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by luluj
Wed Feb 21, 2018 5:36 am
Forum: Ask IVA Forum and Industry experts
Topic: Is it normal for the IVA company to ask for car insurance policy?
Replies: 3
Views: 387
I have not heard of that before personally but it could be they are simply confirming your monthly outgoings
by luluj
Wed Feb 21, 2018 5:34 am
Forum: Ask IVA Forum and Industry experts
Topic: Got my IVA accepted last night after being an irresponsible teenager
Replies: 5
Views: 406
Great news and a great post - just take it in stages and look at it as a loan in five years time you will be debt free !
Chance of a fresh start in life - take this opportunity and learn from it !
by luluj
Mon Feb 19, 2018 6:58 am
Forum: Ask IVA Forum and Industry experts
Topic: 7 months in and possible f+f
Replies: 5
Views: 1111
But bear in mind the iva will remain on your credit file for the full 6 years since its start date.
by luluj
Mon Feb 19, 2018 6:57 am
Forum: Ask IVA Forum and Industry experts
Topic: Can I still apply for IVA after receiving default notice from creditors?
Replies: 3
Views: 956
You can still apply for an iva. Take some professional advice from 2 or 3 providers and let them guide you to the best debt solution
by luluj
Sat Feb 17, 2018 4:39 am
Forum: Ask IVA Forum and Industry experts
Topic: I keep getting a statement of account from Cahoot. IVA complete in 2016.
Replies: 3
Views: 1605
I would write to the financial controller and ask them to amend your details within 14 days otherwise a formal complaint will be made. Send the letter recorded delivery so it can be tracked.
by luluj
Sat Feb 17, 2018 4:37 am
Forum: Ask IVA Forum and Industry experts
Topic: We have paid off our IVA. A man came to our house to say we have to pay more.
Replies: 5
Views: 1716
Do you have your completion certificate? You certainly do not have to pay more once an iva is closed and concluded.
I would certainly be reporting this man to the police especially if in a no cold calling area - he has no rights to be where he is or doing what he is doing
by luluj
Fri Feb 16, 2018 9:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: What to expect once IVA has ended
Replies: 3
Views: 1809
So glad the forum has been there to support you throughout - we will still.be here in years to come so please don't think you cant ask questions !
by luluj
Fri Feb 16, 2018 9:20 pm
Forum: Ask IVA Forum and Industry experts
Topic: Life after an IVA
Replies: 5
Views: 1790
Good to hear from you - time has passed quickly ! Its 11 years since our IVA started this September - does not seem possible !
by luluj
Tue Feb 13, 2018 5:30 am
Forum: Ask IVA Forum and Industry experts
Topic: My IVA terminated in 12 months, when will it be removed from credit file?
Replies: 4
Views: 2636
Even if an iva is ended early it remains on your credit file for 6 years from its agreed date.
by luluj
Mon Feb 12, 2018 5:34 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hi inlaws looking at Iva/bankruptcy?
Replies: 14
Views: 2878
Advice from 2 or 3 companies is best - if protecting the house is important then bankruptcy should be last resort.

We can all give our opinions but professional advice with all the facts and figures will be far better
by luluj
Mon Feb 12, 2018 5:30 pm
Forum: Ask IVA Forum and Industry experts
Topic: When can I start to rebuild credit once IVA completed?
Replies: 4
Views: 2770
Great news and well done ! August will soon be here and your credit rating will improve quickly then ... have a goal to aim for - makes it easier !
by luluj
Mon Feb 12, 2018 4:54 am
Forum: Ask IVA Forum and Industry experts
Topic: Our 1960 warm air heating system has been condemned
Replies: 14
Views: 3406
What about buying some economy 7 wall heaters that have timers ..average running cost 1p a minute ?

There are some offers on them at tge minute.
by luluj
Sun Feb 11, 2018 5:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I pay friend's IVA?
Replies: 4
Views: 3043
What a kind friend you are !

A review of your friends income Nd expenditure is needed. An iva should be manageable with careful budgeting not impossible, however it does sometimes take time to get into the mindset
by luluj
Sun Feb 11, 2018 5:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA company have asked to see my partners proof of income. She is concerned.
Replies: 2
Views: 3050
Agree with foggy - its a process that needs to be done to calculate your iva payment - she has no need to worry
by luluj
Sat Feb 10, 2018 7:11 am
Forum: Ask IVA Forum and Industry experts
Topic: Iva or dro comparison advice please.
Replies: 6
Views: 3335
Difficult to give the advice without sitting down and listening to your fall case. I wluld approach two or three providers and seek their advice - with that level of debt you are probably borderline for DRO ... have you also considered bankrupty?

Let us know how you get on.
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