Search found 127 matches

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Search found 127 matches Page 1 of 9
by redboxtree
Sat Jun 23, 2018 10:46 am
Forum: Ask IVA Forum and Industry experts
Topic: F&F meeting (Credit Fix) adjourned 4 times
Replies: 16
Views: 683
The likelihood the issue is to do with their proposed charges.
by redboxtree
Sat Jun 23, 2018 10:45 am
Forum: Ask IVA Forum and Industry experts
Topic: Could my IVA still be visible somewhere?
Replies: 6
Views: 689
Try Swallow - all app. based (including how you apply) and I was accepted by them recently.
by redboxtree
Tue Jun 19, 2018 11:07 am
Forum: Ask IVA Forum and Industry experts
Topic: Aperture never ending nightmare!
Replies: 7
Views: 1811
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.
by redboxtree
Sun Jun 17, 2018 8:25 am
Forum: Ask IVA Forum and Industry experts
Topic: My Iva has been sold on three times
Replies: 2
Views: 2598
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...
by redboxtree
Mon May 21, 2018 12:35 pm
Forum: Ask IVA Forum and Industry experts
Topic: Aperture & Debt Free Direct
Replies: 5
Views: 5295
Remind them that under GDPR they need to establish that they are the data controller and that their customers need to be told this.
by redboxtree
Thu May 17, 2018 5:53 am
Forum: Ask IVA Forum and Industry experts
Topic: Credit Union loan
Replies: 4
Views: 5676
Likely to be quite hard - remember that the loan was provided out of other members direct savings and contributions.
by redboxtree
Wed May 16, 2018 5:23 am
Forum: Ask IVA Forum and Industry experts
Topic: Could there ever be a IVA's missold scandal?
Replies: 8
Views: 5634
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.
by redboxtree
Tue May 15, 2018 4:57 pm
Forum: Ask IVA Forum and Industry experts
Topic: Could there ever be a IVA's missold scandal?
Replies: 8
Views: 5634
A recent article on Debt Camel suggests that there are indications that concerns exist around IVA being missold. Ultimately the devil will be in the detail but if there are case IVA companies only have themselves to blame - if they were really honest when people were signing up it would put them off...
by redboxtree
Tue May 08, 2018 12:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Completed IVA with Clear Debt
Replies: 6
Views: 4560
Under the Insolvency Act all records should be destroyed 6 years after completion certificate provided.

They will need to demonstrate why they now have the legal ability to do this.
by redboxtree
Tue Apr 17, 2018 8:18 pm
Forum: equity release
Topic: Equity Clause from HMRC
Replies: 11
Views: 11402
I'm sorry but this was a known issue as I was coming out of my IVA a couple of years ago - and if I knew about it your IP should have as well. HMRC started introducing this as an artificial way of enforcing a mid agreement review that effectively shortened the life of some IVA's. With previous cases...
by redboxtree
Mon Apr 16, 2018 6:37 am
Forum: Ask IVA Forum and Industry experts
Topic: I never had an IVA still my name is in insolvency register, please advice.
Replies: 6
Views: 4752
Ask them specifically (or via your solicitor) who their Data Protection Officer is and state that you want this resolved otherwise you will make a formal complaint to the Information Commissioner. Point out that from 25/05/18 the law will be strengthened to deal with inaccurate data and if they drag...
by redboxtree
Mon Apr 16, 2018 6:33 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA is the best thing i ever did
Replies: 6
Views: 4992
Hope I am wrong (personal opinion only) but the wording seems very similar to other posts across the net promoting them.

Looking a bit more deeply they are case finders and if I am right about who owns them they seem to be struggling.
by redboxtree
Mon Apr 16, 2018 6:30 am
Forum: Ask IVA Forum and Industry experts
Topic: Can i cancel IVA before creditors meeting?
Replies: 3
Views: 4753
£8k seems very little to go into an IVA and if you felt rushed into going this that is not a good sign. If you can take some space and as the others have said way up all your options. We were with Creditfix and whilst it worked out in the end (we were transferred to them) would we have chosen them -...
by redboxtree
Mon Apr 16, 2018 6:28 am
Forum: Ask IVA Forum and Industry experts
Topic: Is F&F worth a try 17 months into IVA?
Replies: 3
Views: 4566
Possibly about £2-3000 too little.
by redboxtree
Tue Apr 10, 2018 2:09 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA completed 2011, should I have paid IP PPI claims since?
Replies: 3
Views: 4937
As Cleardebt as the data controller no longer exists and had shown no interest in reclaiming PPI over the intervening years Aperture/DRSP will need to clearly identify what gives them the legal basis to deal with this now, Send the forms back to DRSP stating that you have never consented to your inf...
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Search found 127 matches Page 1 of 9