IVA Calculator - Do I qualify?

Unless you are looking at director level roles (which in the NHS can start at 8b) it should not be a issue. Your pension scheme contributions are pretty much defined by your contract. Try and claim any possible PPI before going into an IVA as you might find that what you get back stops you having to...

No - you would need to make time to pay arrangements with HMRC.

The level of the fine is one of the highest ever issued - designed to drive them out of business.

The IVA company acting for the creditors has a claim on his wife's estate and that means they need to get in contact with the executor. Even if he is the executor, he has no direct responsibilities for maintaining the payments for his deceased wife. IVA companies are also supposed to have processes ...

Is the £35000 owed to your employer included in the £48000 that you identified? You need to think this through and that includes talking to your employer about what would happen if you went into an IVA. I have half a feeling that your employment may be at risk because I am not sure they could allow ...

Number provided has been linked to a cold call debt management company plus also someone stating that from HMRC. (information in public domain) At least one of the directors of Castlight Ltd are linked to Creditfix. (information in public domain) Potentially good product that may find that reputatio...

Need to point out that Creditfix has suspended all full and final offers until they can sort out "paperwork" issues - this is probably not the best time to do anything that involves them.

Have you even seen the new documentation that is being used and the wording?

The likelihood the issue is to do with their proposed charges.

Try Swallow - all app. based (including how you apply) and I was accepted by them recently.

There was one case where someone came back about the result of going to the regulator and I believe that it was against Aperture.

Historically, their IP's get fined quite often due to delays in the process.

You cannot do anything about being sold on (just shows people in an IVA can be a commodity though) BUT: - if the old company is still trading write in and ask for a copy of any data they hold about you - do the same for the new company - ask them to confirm how they process your data under article 6...

Remind them that under GDPR they need to establish that they are the data controller and that their customers need to be told this.

Likely to be quite hard - remember that the loan was provided out of other members direct savings and contributions.

Clear Debt previously lost a court case where their interpretation of what an IVA is was challenged.

I have no interest in going over the past in the sane way as MerlinL14 - it would appear that the IVA companies have an interest in doing that instead.