Search found 10328 matches

Search found 10328 matches Page 1 of 689
by luluj
Sat Jan 12, 2019 7:35 am
Forum: Ask IVA Forum and Industry experts
Topic: Help please
Replies: 4
Views: 1443
I would wait for the official request then negotiate a payment plan with them.

Don't act on a website projection ..they are often very wrong
by luluj
Sat Jan 12, 2019 7:33 am
Forum: Ask IVA Forum and Industry experts
Topic: Why bother with an IVA?
Replies: 5
Views: 1420
It depends on your circumstances, level of debt and ability to repay.

There are many options to consider and taking professional advice is the way to go
by luluj
Sat Jan 12, 2019 7:32 am
Forum: Ask IVA Forum and Industry experts
Topic: Quicker way to get a mortgage?
Replies: 25
Views: 1473
Sorry to say whilst your iva is ongoing and on your credit file (6 years from its start date) it will be almost impossible to get a mortgage. You will be better off focusing on your iva, saving as much as you can from your allowances and making a plan for when the iva is done, certificate of closure...
by luluj
Thu Jan 10, 2019 7:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA Creditor meeting today
Replies: 38
Views: 2242
Congratulations on your iva being approved x
by luluj
Wed Jan 09, 2019 7:38 am
Forum: Ask IVA Forum and Industry experts
Topic: Why can't I pay my IVA off early
Replies: 3
Views: 2192
In your iva agreement is there an equity release clause? Normally equity would be considered in year 4. Finishing an iva now will not necessarily prove financially the best option for your creditors as they may get a higher return if the iva ran its duration through increased income, bonuses, overti...
by luluj
Sat Jan 05, 2019 3:16 am
Forum: Ask IVA Forum and Industry experts
Topic: My IVA with Freeman Jones
Replies: 11
Views: 3887
Hopefully both have been in contact with Freeman Jones now and things are enroute to closure so that 2019 can be the start of something new ...a debt free life !
by luluj
Sat Jan 05, 2019 3:13 am
Forum: Ask IVA Forum and Industry experts
Topic: Terminated IVA
Replies: 2
Views: 3526
As speed is of the essence here I would agree with foggy and your creditors to write a brief statement to enable you to move forward with your house move.
by luluj
Sat Jan 05, 2019 3:10 am
Forum: Ask IVA Forum and Industry experts
Topic: Can you pay more than the original proposal?
Replies: 4
Views: 3439
Welcome to the forum ! Your iva will end prior to the proposed end date if you have been able to pay 100% of your original debt, plus fees and potential statutory interest. Equity release will only be taken if you have not reached this. Your credit file will remain effected until the 6th anniversary...
by luluj
Fri Jan 04, 2019 4:05 am
Forum: Ask IVA Forum and Industry experts
Topic: If my IVA is rejected ....
Replies: 3
Views: 3770
Nothing to add to the advice of foggy other than to say stay positive ..an iva would not be being proposed if your IP did not believe it was the best option for you. Good luck and let us know how you get on.
by luluj
Fri Jan 04, 2019 4:02 am
Forum: Ask IVA Forum and Industry experts
Topic: Good IVA companies
Replies: 4
Views: 3768
It is not possible for us to recommend one company over another, however my advice is to contact three or four, take their advice then go with the one that makes you feel comfortable and one that can become your 'best friend' for the next 6 years as you will be working with them closely for sure. Lo...
by luluj
Thu Jan 03, 2019 6:10 am
Forum: Ask IVA Forum and Industry experts
Topic: Critical Illness payout whilst in an IVA
Replies: 3
Views: 4176
The end decision will be the wording of your policy and iva although I would hope some lenancy by your IP due to circumstances of the payout would be taken into account.
by luluj
Thu Jan 03, 2019 6:08 am
Forum: Ask IVA Forum and Industry experts
Topic: Gambling and my annual review
Replies: 17
Views: 4402
It will be ok ... hopefully the regularity of it will not even show up and they won't raise any concerns. If you feel that your allowances are tight and have led you towards gambling then ensure during the review each of your allowances are reviewed and where necessary seek an increase. Try not to l...
by luluj
Thu Jan 03, 2019 6:04 am
Forum: Ask IVA Forum and Industry experts
Topic: Can i go on holiday whilst in an IVA
Replies: 4
Views: 4155
If you are in the fortunate position of being able to afford a holiday or are gifted the opportunity then grasp it with firm hands. An iva does not stop you from leaving the country or holiday in the UK. In our iva we managed to save through our allowances for a weeks camping every year to ensure we...
by luluj
Tue Jan 01, 2019 8:03 am
Forum: Ask IVA Forum and Industry experts
Topic: Deputyship in iva
Replies: 3
Views: 4522
Happy new year to you too snd sincerely hope 2019 is kindness to you and your family
by luluj
Tue Jan 01, 2019 8:00 am
Forum: Ask IVA Forum and Industry experts
Topic: mortgage options
Replies: 4
Views: 4577
Agree with foggy. Also if you have joint financial accounts you may find it harder for your partner to get a mortgage in his own right too as your financial status will be linked.
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