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by luluj
Fri May 24, 2019 4:17 pm
Forum: Ask IVA Forum and Industry experts
Topic: It's over
Replies: 4
Views: 123

That's fantastic news ...what a start to the bank holiday weekend !
by luluj
Fri May 24, 2019 4:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: Council House purchase whilst I am in an IVA
Replies: 2
Views: 170

Personally if possible get your uncle to buy in his name and then wait until after the IVA ..pay your uncle rent if he is willing if necessary, but I personally would not have it put into my own name at this stage.

What a nice uncle you have though x
by luluj
Thu May 23, 2019 10:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: Trying to sell
Replies: 6
Views: 288

Grant Thornton should be able to provide evidence of the takeover and explain the restriction was passed across at the same time for you so the land registry is fully aware and able to progress
by luluj
Thu May 23, 2019 3:33 am
Forum: Ask IVA Forum and Industry experts
Topic: Aperture - review
Replies: 3
Views: 400

It appears it is all going automated through digital channels with less and less physical communication - it will.be ok
by luluj
Thu May 23, 2019 3:30 am
Forum: Ask IVA Forum and Industry experts
Topic: Could an IVA work for me?
Replies: 3
Views: 242

Recent advice taken from a professional ended with a "if you have more equity than your debt, then creditors are currently not as favourable to except an iva proposal"
by luluj
Mon May 20, 2019 1:59 am
Forum: Ask IVA Forum and Industry experts
Topic: Can I get a mobile phone contract in an IVA?
Replies: 5
Views: 842

A finance check will be done so you may find you are not accepted, however I was upfront in my iva and explained and the store manager overrode the process somehow and sorted it ...ask, you never know !
by luluj
Mon May 20, 2019 1:56 am
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage after IVA
Replies: 3
Views: 445

I would speak to our forum mortgage experts Ryan and or Shaun for specific advice. You may find they are in a position to help you identify suitable mortgages products
by luluj
Mon May 20, 2019 1:54 am
Forum: Ask IVA Forum and Industry experts
Topic: Am I locked into my Iva?
Replies: 3
Views: 452

Agree with foggy re reading your proposal for specific detail. If you let your iva fail and then go for bankruptcy your income will still be taken into account in any bankruptcy hearing and you may still land up paying a similar figure... I think you need to take some professional advice before maki...
by luluj
Mon May 20, 2019 1:51 am
Forum: Ask IVA Forum and Industry experts
Topic: Change of Pay date whilst in an IVA
Replies: 7
Views: 544

Your employer should have given a full months notice of the change to allow for people to budget and prepare themselves for this - I would have faced similar issues too, and to be honest, still would now out of an iva for 9 years, so you certainly are not alone. Can you approach your HR person and a...
by luluj
Mon May 20, 2019 1:43 am
Forum: Ask IVA Forum and Industry experts
Topic: Creditors statement
Replies: 4
Views: 419

You can expect to receive a annual report from your IP but unlikely to.show any dividends to creditors for the first year as the IVA fees are paid first normally....creditors will start to receive payments normally around year 2 onwards
by luluj
Sun May 19, 2019 5:45 pm
Forum: Ask IVA Forum and Industry experts
Topic: creditfix or shop around?
Replies: 8
Views: 483

I always suggest shopping around for the best deal...
by luluj
Sat May 18, 2019 5:53 am
Forum: Ask IVA Forum and Industry experts
Topic: What happens to PPI if our IP is no longer around?
Replies: 3
Views: 526

Aperture will now be the interested party and will distribute monies to your creditors if they are still pursuing matters on your case. If not Aperture may send it to you to do direct
by luluj
Thu May 16, 2019 7:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: How can I cancel my IVA?
Replies: 2
Views: 608

I would try to resolve the situation with your IP ...as foggy explains the impact will remain the same for 6 years anyway
by luluj
Thu May 16, 2019 4:19 am
Forum: Ask IVA Forum and Industry experts
Topic: Thank you for the IVA help
Replies: 5
Views: 679

Greats news - now get them questions asked !
by luluj
Wed May 15, 2019 2:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: Thank you for the IVA help
Replies: 5
Views: 679

If you go to log in and ask for password reset it should provide a link so you can access your account.
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