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by luluj
Wed Nov 14, 2018 8:11 pm
Forum: how are you coping?
Topic: Three Payments To Go
Replies: 5
Views: 632
Well done and feel free to ramble away xx
by luluj
Wed Nov 14, 2018 5:22 am
Forum: Ask IVA Forum and Industry experts
Topic: Cashback
Replies: 6
Views: 854
I would just go and enjoy it .... cant see anyone being interesed in this as for me you have been wise in your choices and I see it as a loyalty card building points- bit like Tesco Clubcard or Sainsbury points.
by luluj
Mon Nov 12, 2018 10:58 pm
Forum: Ask IVA Forum and Industry experts
Topic: Partners overtime....why wasn’t it included?
Replies: 6
Views: 1207
Totally agreed. Your partners overtime is his business not of your IVA. His salary would have been used to ensure fairness of expenditure within the household compard to income.
by luluj
Sun Nov 11, 2018 2:12 am
Forum: Ask IVA Forum and Industry experts
Topic: Options for a friend??
Replies: 7
Views: 1908
What a great friend to have- someone who knows what its like to go through. I agree a DRO may be an option, but I do like you wonder if bankruptcy would be a better and quicker option with the position she is in. I would ask her to seek a reassessment of her universal credit if it has changed things...
by luluj
Fri Nov 09, 2018 5:55 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will my payments go up?
Replies: 2
Views: 2086
My understanding is you continue to pay at the rate you are, unless I & E dictates you can pay a little more, for the next 12 months
by luluj
Thu Nov 08, 2018 5:56 am
Forum: Ask IVA Forum and Industry experts
Topic: Post of the Month
Replies: 3
Views: 2738
Well done ...just goes to show what you post on the forum can not only really help and support others but provides you with a few £s to treat yourself ..enjoy spending your voucher
by luluj
Thu Nov 08, 2018 5:54 am
Forum: Ask IVA Forum and Industry experts
Topic: When can I remortgage post IVA
Replies: 4
Views: 2704
Another 6 months will save you money in the long run ..if you can wait till its clear from your file it would be more beneficial.

Good luck...
by luluj
Thu Nov 08, 2018 5:52 am
Forum: Ask IVA Forum and Industry experts
Topic: Help to Buy Mortgages
Replies: 2
Views: 2608
Thats really good news for those able to take advantage of this scheme. Great to see our forum experts being supportive to members and working in their industry to make products available to
ex-iva's
by luluj
Thu Nov 08, 2018 5:49 am
Forum: Ask IVA Forum and Industry experts
Topic: Aperture
Replies: 4
Views: 2612
Agree with foggy a little patience maybe required on this- a weekly phonecall to chase it may help !
by luluj
Thu Nov 08, 2018 5:47 am
Forum: Ask IVA Forum and Industry experts
Topic: I'm about to sell my house .....
Replies: 4
Views: 2624
You need the permission of your IP to sell your home while in an iva as there may a restriction on the house, RX1, stopping you from doing so. During the iva you will always owe 100% of your original debt plus IP fees and statutory interest. Only when this is achieved will any monies remaining be pa...
by luluj
Thu Nov 08, 2018 5:41 am
Forum: Ask IVA Forum and Industry experts
Topic: Review
Replies: 6
Views: 2642
What a hassle ... but done now and with what you say has changed there should be no change to your payment ...fingers crossed you hear back soon..... oh and its fine to use Greggs for lunch...you have to eat !!
by luluj
Thu Nov 08, 2018 5:36 am
Forum: Ask IVA Forum and Industry experts
Topic: No completion yet
Replies: 5
Views: 2643
Unfortunately little you can do until Aperture can get the final claim agreed with your creditor. Without the completion certificate you won't be able to move forwards.
I would keep ringing every week to 'hound' them in the hope they quicken their actions for you.
by luluj
Tue Nov 06, 2018 8:39 pm
Forum: Ask IVA Forum and Industry experts
Topic: DWP taking me to Court even though I am in an IVA
Replies: 4
Views: 5794
Can I suggest you get legal advice and if necessary approach your MP for their support
by luluj
Tue Nov 06, 2018 8:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: Finally I can breath!!!
Replies: 8
Views: 2931
So glad its sorted and you can now move forward xx
Search found 10271 matches Page 1 of 685