Search found 135 matches

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Search found 135 matches Page 1 of 9
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: 5359
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: 4218
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: 4252
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: 4574
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: 6131
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: 5427
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: 5299
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: 5322
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: 5920
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: 5708
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: 6134
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: 5482
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: 5361
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: 5705
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: 5652
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.
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Search found 135 matches Page 1 of 9