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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: 5
Views: 426
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: 1210
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: 1051
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: 1935
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: 2392
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: 2676
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: 3140
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: 3366
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: 3258
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: 3221
Try Santander ..they appear to be helpful and sympathetic to those in an iva
by luluj
Tue Apr 10, 2018 5:00 am
Forum: Ask IVA Forum and Industry experts
Topic: I am due compensation due to a serious road traffic accident
Replies: 13
Views: 4025
I am no expert in this but I believe it depends what the compensation is being paid out for - loss of earnings is likely I would imagine will need to be put into the iva pot whereas compensation for health and ongoing support could be retain ... Am sure when foggy arises this morning onto the forum ...
by luluj
Tue Apr 10, 2018 4:57 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA settled and help to buy scheme
Replies: 5
Views: 4003
I would advise you contact one of the mortgage experts on this page - either Ryan or Shaun. They have helped many people after and during IVA to gain mortgages.

Good luck
by luluj
Mon Apr 09, 2018 1:48 am
Forum: Ask IVA Forum and Industry experts
Topic: Driving lessons
Replies: 3
Views: 4243
Cling onto the dream of learning to drive once your iva concludes - it is not going to be affordable now but can be your goal when its finished.
by luluj
Mon Apr 09, 2018 1:47 am
Forum: Ask IVA Forum and Industry experts
Topic: Iva living budgets
Replies: 3
Views: 4306
Iva allowances are only a guide - your iva expenditure should be based on your actual spend - everyonr is different. Food wise - I had an allowance for 2 adults that equated to about £50/wk but that was some years ago now. I only saved into an emergency pot when I was able to make savings on differe...
by luluj
Mon Apr 09, 2018 1:43 am
Forum: Ask IVA Forum and Industry experts
Topic: Mobile phone
Replies: 4
Views: 4230
You may be able to upgrade depending on your contract with 02 - I did not have issue during our iva.

Otherwise look on ebay and seek a replacement handset.
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