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by luluj
Sun Jul 22, 2018 7:44 am
Forum: pets corner
Topic: Fleece dog toys
Replies: 2
Views: 474
Removed a second post inappropriate and locked this thread
by luluj
Sun Jul 22, 2018 7:43 am
Forum: Ask IVA Forum and Industry experts
Topic: eBay sales
Replies: 6
Views: 222
I became a big eBay seller during our ova...sold old unwanted items then purchased new things that were needed and used money for xmas and birthdays.
Perfectly acceptable.
by luluj
Thu Jul 19, 2018 1:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Full & final offer
Replies: 3
Views: 1145
I tend to agree with foggy £1500 ish would be my suggested offer ....
by luluj
Wed Jul 18, 2018 7:30 pm
Forum: Ask IVA Forum and Industry experts
Topic: Lloyds
Replies: 4
Views: 1381
Agree with foggy ..ignore it and tuck it away for a rainy day.
by luluj
Wed Jul 18, 2018 7:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: Ending my iva
Replies: 3
Views: 1330
Well done ... you have almost got there. Here's hoping for swift closure period so you can move forwards quickly.
by luluj
Mon Jul 16, 2018 4:44 pm
Forum: friends corner
Topic: Is 5 years a long time ?
Replies: 7
Views: 1103
Vince_100 ...

5 years is 60 months

1 year is 12 months

1 year is 20%

3 years is 60%

Before you know it you will at the end .... once in a routine it goes really quickly and you do learn to budget and live life !
by luluj
Mon Jul 16, 2018 4:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: Nearly there! Couple of questions
Replies: 4
Views: 2000
No need to tell someone that you are in an iva.... just say you are looking into claiming back some misold monies years ago on a credit card and they need a witness signature ...
by luluj
Mon Jul 16, 2018 4:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: Should I pay my Council Tax debt
Replies: 4
Views: 1981
Council tax debt can be added into your iva ... I personally would not pay it admit will be showing precedence over one creditor ...speak to your IP to ask them to have it included as a debt.
by luluj
Sun Jul 15, 2018 1:39 pm
Forum: Ask IVA Forum and Industry experts
Topic: End of mortgage deal while in an IVA
Replies: 7
Views: 2921
All you can do is ask ... if they won't do it then be sure to have a full review of your I&E and ensure your monthly payments to your iva still remain manageable .....
by luluj
Fri Jul 13, 2018 5:07 am
Forum: Ask IVA Forum and Industry experts
Topic: Post of the Month
Replies: 3
Views: 5618
Congrats ..enjoy your vouchers xx
by luluj
Thu Jul 12, 2018 8:32 pm
Forum: Ask IVA Forum and Industry experts
Topic: Endless task
Replies: 5
Views: 3129
Hopefully they will act on your request and remove it ....

I had a fiat 500 a few years loved it .... it was ok till the dogs arrived on the scene then way too small ... really fun car to drive !
by luluj
Thu Jul 12, 2018 8:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: Not enough Thank You's
Replies: 10
Views: 3238
Me too Kallis- a thank you is nice but not essential... just knowing my experiences have helped others is enough.
by luluj
Wed Jul 11, 2018 11:48 am
Forum: Ask IVA Forum and Industry experts
Topic: Can I cancel my IVA
Replies: 2
Views: 3521
Have have accepted the ova? We had to sign our acceptance for it to become valid but thatbwas some years ago now so it may have changed.

Why do you now want to cancel ? Have your circumstances changed vastly ?
by luluj
Mon Jul 09, 2018 3:48 am
Forum: Ask IVA Forum and Industry experts
Topic: How much do I have to pay back now I have won £20,000?
Replies: 8
Views: 4365
Whilst in your iva and windfall received is taken to paying your iva as you remain liable for the FULL amount of debt plus IP fees plus Statutory Interest. You can make a full and final offer to close your iva at 100p on the £ plus IP fees seeking an agreement statutory interest is not taken - there...
by luluj
Sun Jul 08, 2018 5:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Final settlement
Replies: 3
Views: 4456
With only a £1000 now left to pay I would withdraw from it and let things run- it's not worth the added worry. Let's hope the closure process is more timely for you !
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