Search found 10299 matches

Search found 10299 matches Page 1 of 687
by luluj
Tue Dec 11, 2018 1:15 am
Forum: Ask IVA Forum and Industry experts
Topic: Compensation payment
Replies: 4
Views: 271
I would sincerely hope your IP allow for your wife to retain this payment, although am sure no amount.of compensation will ever compensate for the trauma experienced x
by luluj
Tue Dec 11, 2018 1:12 am
Forum: Ask IVA Forum and Industry experts
Topic: Inheritance during 6th year of IVA
Replies: 3
Views: 388
Agree with foggy. Have you informed your IP of the pending inheritance ? If not, you need to now, as part of your agreement will be to inform as soon as made aware ...
by luluj
Tue Dec 11, 2018 1:10 am
Forum: Ask IVA Forum and Industry experts
Topic: Some advice required please
Replies: 2
Views: 320
Foggy outlines the situation well and likewise I am unsure of what exactly it is you are seeking. If you are trying to identify a breach and some sort of iva refund I think you need to fully aware that this could result in your debts being "reinstated" despite your iva payments of the last...
by luluj
Tue Dec 11, 2018 1:04 am
Forum: Ask IVA Forum and Industry experts
Topic: Is no vote a yes vote?
Replies: 3
Views: 284
You need 75% of those who vote to be a yes. Those that do not vote simply have to go by the decision of those that do.
by luluj
Mon Dec 10, 2018 3:25 am
Forum: Ask IVA Forum and Industry experts
Topic: Zero hr contract..or now as known seasonal contract
Replies: 3
Views: 627
I would imagine it will take a few months to identify an average earnings per month and with the festive season bringing more hours it possibly may get taken as overtime initially if over previous income. Have a chat with your IP and seek their advice - as long as the iva remains affordable thats al...
by luluj
Mon Dec 10, 2018 3:21 am
Forum: Ask IVA Forum and Industry experts
Topic: Received inheritance
Replies: 6
Views: 748
Agree with others comments but just wanted to add if your total debt at the beginning could be cleared by your inheritance you could seek a full n Final offer and ask your creditors to remove the statutory interest clause. I received inheritance during my iva and concluded ours through a f n f with ...
by luluj
Fri Dec 07, 2018 10:15 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is this a scam?
Replies: 6
Views: 1253
I personally would delete and ignore - if you have never instructed them to look into PPI, signed any paperwork I would be 99.9% sure it is a scam !
by luluj
Wed Dec 05, 2018 3:50 am
Forum: Ask IVA Forum and Industry experts
Topic: Payrise Question
Replies: 3
Views: 2061
Indeed ..much better in the long run ..sometimes doesn't feel like that, but the iva in my opinion, is far more favourable
by luluj
Mon Dec 03, 2018 12:53 am
Forum: Ask IVA Forum and Industry experts
Topic: Paying more than agreed?
Replies: 9
Views: 3087
Abbiesmum - point well made. I saw our iva as a loan over 5 years with a flexible rate that changed depending on our earnings ..ticked it off month hy month on the poster stuck to the fridge door, added in overtime, and windfalls ..paid over inheritance that thankfully, but sadly, saw our iva end 12...
by luluj
Sat Dec 01, 2018 5:14 am
Forum: Ask IVA Forum and Industry experts
Topic: Saving on budget in an IVA
Replies: 4
Views: 3647
Whatever you save from your allowances can be kept for a rainy day as you can guarantee within a few weeks you will need it, especially over the next couple of months with xmas and new year.
by luluj
Sat Dec 01, 2018 5:12 am
Forum: Ask IVA Forum and Industry experts
Topic: Struggling with my wife's debts
Replies: 5
Views: 3299
Your wife needs to take some advice around her circumstances and consider the options available - as she is not working at the present time it won't necessarily be easy to identify a solution. The citizen advice bureau is a good starting point for her.
by luluj
Sat Dec 01, 2018 5:08 am
Forum: Ask IVA Forum and Industry experts
Topic: Lump sum
Replies: 3
Views: 3195
The person who is thinking of offering a lump sum - have they indicated how much they are able to give? I would be tempted to hold off from signing any iva proposal and seek support through the citizen advice bureau to see if creditors would be willing to agree a settlement direct based on your circ...
by luluj
Fri Nov 30, 2018 2:34 am
Forum: Ask IVA Forum and Industry experts
Topic: Creditors are still taking action
Replies: 4
Views: 3572
Were they listed as a creditor in your proposal ? If they were but chose not to vote they are bound by the iva decision and are not allowed to hold onto your vehicle. Your IP needs to address this for you and if necessary I would contact your local citizens advice and seek their help in getting the ...
by luluj
Tue Nov 27, 2018 6:10 am
Forum: Ask IVA Forum and Industry experts
Topic: Annual review increase
Replies: 4
Views: 4538
As others have all said it is based on affordability- has your income and expenditure changed over the last 12 months? Have you received a pay rise ? Received additional regular income? Has your expenditure increased ? Travel costs risen too and from work ? Has your partners income increased and the...
by luluj
Tue Nov 27, 2018 6:03 am
Forum: Ask IVA Forum and Industry experts
Topic: Windfalls, pain & distress
Replies: 10
Views: 4549
If you ring your case worker and ask for a telephone appointment with your IP they should give you that chance - you may have to explain a little but I would insist in speaking to them and explain it is a private and very sensitve, difficult matter that you want to explain only once due to its upset...
Search found 10299 matches Page 1 of 687