Search found 10050 matches

Search found 10050 matches Page 1 of 670
by luluj
Thu Apr 26, 2018 12:32 am
Forum: Ask IVA Forum and Industry experts
Topic: Full and final offer rejected, what to do next?
Replies: 3
Views: 442
I agree with Lisa in that you need 75% of those who vote to be in agreement therefore ignore those that have not and you should get an acceptance.
by luluj
Thu Apr 26, 2018 12:26 am
Forum: Ask IVA Forum and Industry experts
Topic: Received Payplan Completion Letter in under 6 weeks of completion....shocked!!
Replies: 5
Views: 312
If only every completion certificate came through so quickly ...brilliant ..well done and enjoy your debt free life.
by luluj
Thu Apr 26, 2018 12:24 am
Forum: Ask IVA Forum and Industry experts
Topic: Does it matter if you live in housing association property
Replies: 3
Views: 347
My only question would be is your rent up to date or do you owe your landlord money ? If you do then they would need to be included as a creditor in an iva situation.
by luluj
Wed Apr 25, 2018 1:44 am
Forum: Ask IVA Forum and Industry experts
Topic: Voting houses
Replies: 5
Views: 513
Same as foggy half of our creditors used voting houses...fingers crossed your iva will be approved very soon x
by luluj
Mon Apr 23, 2018 6:49 pm
Forum: thinking of making your first post ?
Topic: Stressed, embarassed and a failure
Replies: 10
Views: 945
I just wanted to say you have come to a forum that will be here to support you - although we can't tell you what to do we can give you encouragement and support.
Feel free to ask as many questions as necessary
by luluj
Sun Apr 22, 2018 8:06 am
Forum: Ask IVA Forum and Industry experts
Topic: Not signed final proposal but still added to register & told IVA breached by us
Replies: 6
Views: 1348
Does he have the evidence of not proceeding in writing following the suggested modifications ??

If he does then he needs to send this in and really argue the point around the said conversation etc - if he did not sign off the chairman report with modifications then in my opinion the iva is not valid.
by luluj
Fri Apr 20, 2018 12:41 am
Forum: Ask IVA Forum and Industry experts
Topic: Help. Companies saying I owe debt
Replies: 6
Views: 2103
Let your IP investigate - tell them to communicate with your IP who can then tell them to go away
by luluj
Fri Apr 20, 2018 12:39 am
Forum: IVA approved!
Topic: Hey
Replies: 8
Views: 1919
Welcome to the forum - how much was your total debt prior to iva being approved ? Have you had a change in income which has meant increased payments ? Or a windfall that has been taken into the iva pot ? You will always owe the full amount of original debt plus IP fees and possible statutory interes...
by luluj
Tue Apr 17, 2018 4:35 am
Forum: Ask IVA Forum and Industry experts
Topic: How to manage my new pay rise
Replies: 3
Views: 2818
I would be insisting on an IP conversation not the caseworker.

I would also follow up all conversations in writing.

It clearly states payrises are dealt with at annual reviews not immediately so I would hold onto that point and insist on it.
by luluj
Sun Apr 15, 2018 4:39 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can i cancel IVA before creditors meeting?
Replies: 3
Views: 3262
Now is certainly the time to withdraw if you are not sure ... I would phone and cancel it then follow it up by email or registered post as evidence to ensure it does not go ahead.
As foggy suggests other debt solutions maybe more appropriate
by luluj
Sun Apr 15, 2018 6:52 am
Forum: Ask IVA Forum and Industry experts
Topic: Crisis this early ?☹️
Replies: 3
Views: 3544
Fingers crossed the mechanic can save the day !

You mention you are disabled - without prying have you looking into eligibility for a motability car ?
by luluj
Sat Apr 14, 2018 9:59 am
Forum: Ask IVA Forum and Industry experts
Topic: I have accumulated debt again during IVA
Replies: 5
Views: 4012
How much debt have you gathered ? A payment break may support you if your IP is kind and forgiving
by luluj
Thu Apr 12, 2018 8:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: Changing mortgage deals while in an IVA
Replies: 12
Views: 4231
Thats good 5 yr deal ... fingers crossed OP is offered as good a one
by luluj
Thu Apr 12, 2018 4:20 pm
Forum: Ask IVA Forum and Industry experts
Topic: Renting aftwr IVA
Replies: 4
Views: 4126
Private landlords are the way forward whilst the iva remains on your credit file.
by luluj
Thu Apr 12, 2018 2:34 pm
Forum: Ask IVA Forum and Industry experts
Topic: Business bank account
Replies: 3
Views: 4084
Try Santander ..they appear to be helpful and sympathetic to those in an iva
Search found 10050 matches Page 1 of 670