Search found 141 matches

Search found 141 matches Page 1 of 10
by redboxtree
Sat Mar 02, 2019 9:22 am
Forum: Ask IVA Forum and Industry experts
Topic: New forum layout
Replies: 9
Views: 6210

Hate being negative but the new layout is dire You cannot see immediately who is posting and what about. It also gives the impression that nothing new is being posted given the age of the posts that you do actually see immediately. You also need to be careful about the really old posts (the ones ide...
by redboxtree
Fri Feb 15, 2019 9:44 am
Forum: Ask IVA Forum and Industry experts
Topic: Defaults not off report
Replies: 10
Views: 6912

Foggy is correct - it is your IVA company that has let you down by not correctly explaining the impact of entering an IVA and the long term impact on your credit history.
by redboxtree
Mon Nov 12, 2018 2:40 pm
Forum: annual review
Topic: Creditfix annual review - sorry
Replies: 13
Views: 20164

Agreed - an IVA is a contract with obligations on all sides.

If CF are seeking to change the contract and the contract does not specifically include how assessments are done in this way, then they have to change the contract.
by redboxtree
Fri Nov 02, 2018 8:46 am
Forum: a success story
Topic: In process of starting an IVA- Stressful
Replies: 14
Views: 32311

"PS - we use WhatsApp as its a fast and convenient way for customers to take pictures of documents and send them in. Its "end to end encrypted" which means its more secure than email (and most other forms of communication)." It is free to use which reduces the cost for FJ. The trouble with any free ...
by redboxtree
Wed Oct 31, 2018 11:27 am
Forum: Ask IVA Forum and Industry experts
Topic: How much are you monitored whilst in an IVA?
Replies: 4
Views: 5164

Some of their practices are not standard.

I would recommend looking at smaller companies where you can also gauge how likely it is you will get on with them.

The larger comapnies tend to spend a lot of effort on onboarding but then you end up with indifferent service.
by redboxtree
Thu Oct 25, 2018 9:59 am
Forum: Ask IVA Forum and Industry experts
Topic: Car insurance and my iva
Replies: 5
Views: 5753

If I remember correctly it is NFU that tends not to accept people who are in an IVA.
by redboxtree
Mon Sep 03, 2018 7:41 am
Forum: Ask IVA Forum and Industry experts
Topic: Independent IP has recommeneded bankruptcy
Replies: 13
Views: 5602

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...
by redboxtree
Tue Aug 14, 2018 7:45 am
Forum: Ask IVA Forum and Industry experts
Topic: Can corporation tax be added into an IVA
Replies: 2
Views: 4345

No - you would need to make time to pay arrangements with HMRC.
by redboxtree
Mon Aug 13, 2018 5:45 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is Holmes Financial a legal registered IVA Debt management company?
Replies: 6
Views: 4445

The level of the fine is one of the highest ever issued - designed to drive them out of business.
by redboxtree
Thu Aug 09, 2018 5:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: Advice please
Replies: 5
Views: 4704

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 ...
by redboxtree
Thu Jul 26, 2018 9:54 am
Forum: Ask IVA Forum and Industry experts
Topic: Would an IVA suit me?
Replies: 4
Views: 6215

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 ...
by redboxtree
Tue Jul 17, 2018 6:04 pm
Forum: Ask IVA Forum and Industry experts
Topic: Do I have to give Creditfix access to my bank account
Replies: 9
Views: 5712

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...
by redboxtree
Fri Jul 13, 2018 3:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: How can Creditfix justify the additional £11,000 just because we want to settle
Replies: 16
Views: 5409

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.
by redboxtree
Thu Jul 12, 2018 9:18 am
Forum: Ask IVA Forum and Industry experts
Topic: Credit fix? How long until they sort paperwork out?
Replies: 8
Views: 5419

Have you even seen the new documentation that is being used and the wording?
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: 6087

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