Search found 70 matches

Search found 70 matches Page 1 of 5
by Pigger479
Mon Oct 08, 2018 7:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: Partner entering an iva
Replies: 6
Views: 3140
They will run separately. Are you going with the same IP ? Another IP has been recommended to her but would it be easier if they were at the same place? Makes little difference really, as long as none of her earnings were taken as part of your disposable income. When I did my review her monthly sal...
by Pigger479
Mon Oct 08, 2018 6:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: Partner entering an iva
Replies: 6
Views: 3140
Foggy wrote:
They will run separately. Are you going with the same IP ?



Another IP has been recommended to her but would it be easier if they were at the same place?
by Pigger479
Mon Oct 08, 2018 2:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: Partner entering an iva
Replies: 6
Views: 3140
Hi all,

I’ve been in an IVA for about 15 months now and it’s all going great no issues. My partner has applied for an IVA. Does this have any implications to mine or will they just run separately etc. We have no joint debts etc
by Pigger479
Sun Jul 29, 2018 8:29 am
Forum: Ask IVA Forum and Industry experts
Topic: Thinking of Leaving IVA (again)
Replies: 3
Views: 5647
Hi guys, I’m considering leaving my IVA and trying to make arrangements with my creditors. Last month I paid over 700 pound into my IVA. The problem is I have a slightly different job role now so my basic pay stays the same but I’m earning more bonus , standby payments and phone call payments in my ...
by Pigger479
Mon Jul 16, 2018 3:10 pm
Forum: Ask IVA Forum and Industry experts
Topic: Compensation
Replies: 2
Views: 4832
If I was to receive a compensation pay out is there a percentage I’m allowed to keep or does all it go into the IVA?
by Pigger479
Wed Jun 06, 2018 1:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA early exit loan
Replies: 12
Views: 5623
[quote="SteveUK"]I really can't see the point of this. You are going to repay the amount plus interest over a longer term than the IVA. Unless the interest is a lot less than the discount you get on the IVA whats the point? The only time I can see it being beneficial is if you know your ci...
by Pigger479
Wed Jun 06, 2018 9:53 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA early exit loan
Replies: 12
Views: 5623
I’m quite happy in the IVA I just didn’t realise it could be an option or an option for the future
by Pigger479
Wed Jun 06, 2018 9:36 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA early exit loan
Replies: 12
Views: 5623
Essentially, if there is enough equity in your property and you qualify for a loan, you can make an offer known as 'Full and Final' to your creditors. This would be conditional upon it settling your obligations and therefore, if accepted by the creditors, you would no longer be subject to the terms...
by Pigger479
Wed Jun 06, 2018 8:17 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA early exit loan
Replies: 12
Views: 5623
Shaun Vickery wrote:
Yes it's quite possible, and quite common practice, although of course it will depend on your particular circumstances.


How would an early exit loan work? Could I have some more info this?
by Pigger479
Sat Jun 02, 2018 12:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: Submitted everything for yearly review and heard nothing..
Replies: 2
Views: 4892
I had a letter for yearly review at start of march. I sent everything off a week later and have still heard nothing the anniversary is the 8th June.. should I be getting worried ? I assumed that I would know what my new payment is etc by now ?
by Pigger479
Wed May 09, 2018 6:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: Betting account
Replies: 4
Views: 4457
Not judging but, if you have gone this long without gambling then why start again? Every penny you have spare I would have thought could be put away in a small savings account, with a guaranteed return. I know we get little relief from the constant money saving and total budgeting when in an IVA bu...
by Pigger479
Wed May 09, 2018 5:32 pm
Forum: Ask IVA Forum and Industry experts
Topic: Betting account
Replies: 4
Views: 4457
I haven’t gambled since nice my IVA was accepted last June. Am I allowed to have an online gambling account to have the occasional flutter on football once a week? Gambling had no impact on me getting into debt as I ever spent small amounts
by Pigger479
Mon Apr 30, 2018 6:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Coming out of IVA and into a DMP?
Replies: 2
Views: 3950
Has anyone successfully came out of an IVA and into a DMP? With my job being the Way it seems almost that I don’t really need the IVA anymore and would probably pay my debt off quicker if I could use a DMP. Is this a terrible idea or has anyone done it?
by Pigger479
Tue Apr 17, 2018 6:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: HELP!!!
Replies: 7
Views: 4722
Good to chat ear;lier. As mentioned - you have done everything right in the first year - informing the IP if your overtime/bonus on a given month was more than 10% of your basic salary. Exactly the same principle for the second year. Thanks for your help earlier!! Really sorted me out!! Looking at ...
by Pigger479
Tue Apr 17, 2018 10:50 am
Forum: Ask IVA Forum and Industry experts
Topic: HELP!!!
Replies: 7
Views: 4722
Fingers crossed then!!!
Search found 70 matches Page 1 of 5