IVA Calculator - Do I qualify?

Silly question alert. Hypothetical. Over the years if you received an ad hoc bonus of say £100 and this wasn't in the 6 months pay the asked to see, therefore they haven't seen the evidence, how would they find out? At the end of the IVA what is usually supplied to them? I want to be prepared becaus...

Hiya I'm shared ownership, it's a tricky one. You cannot sell, the equity release calculation is complicated and probably will not be in my favour at the end. I honestly don't 100% understand it, but I had no other option except bankruptcy and I had saved for a very long time and didn't want to lose...

The increase in income should increase the IVA payment by 50% of the increase. Savings in expenditure isn't covered by any pre-agreed formula or rule and would be taken in it's entirety, so all of the savings would increase the IVA payment. So, your new payment should be the old amount, plus 1.5 % ...

Hi all I think I know the answer but I'd like to be sure. On my annual review I have been told I need to pay a lot more moving forward due to a increased income and a reduced expenditure. Income went up by 3% due to annual company payrise. Expenditure went down by approx £50 a month due to savings i...

And regardless of what they say on each review nor will I.

I don't see how they can implement this, it would be nice if someone from CF actually gave some opinion on why they are so insistent.

I've recently done mine with CF. I was asked for 6 months statements etc. But in my letter I have been advised that I will have to do the electronic banking that I turned down this year and I believe that's the full 12 months.

Hi All Just a quick one as I am generally considering the best way to manage my finances. I am just about to start year 3 and I have been trying all ways to better manage my monies....and wondering how do others do it successfully? I appreciate everyone finds different ways that best suit them, but ...

Hi All A quick question to all Creditfix customers. I've watched the video which explains the review which is useful but I do have a few questions? 1. They say it takes a one time snap shot of your online banking accounts, how many months is this snap shot over? 2. I have 1 account which my wages ar...

Hi All Just jumping on this thread. This is my 2nd review but my 1st with creditfix and I recieved my yearly call yesterday asking me to set up a link to my online banking. I've seen posts about asking to do it manually so I asked and was told that this option is no longer available and I had no oth...

Thanks all. It would be very unfair of them to demand the money, seen as my roof is leaking and the interior is damaged, along with the standard amount allowed for home maintenance wouldn't even touch it. I will now try and find some IP contact details for creditfix and keep my fingers crossed.

Hi All

As the title says, I am due a cheque from home insurance company for storm related damage caused to my roof. Do I need to tell the IVA company? The amount equals the quote a roofer gave me, therefore no monies will be going in my pocket.

Thanks in advance

This should have been investigated and discussed with your IP before going into the IVA. Many shared ownerships will prohibit you getting a remortgage or secured loan so a 12 month extension would be, in that case, the only option. Should your H.A agree to allow a remortgage, if, indeed, one was av...

Evening Everyone Does anyone know how equity release works with shared ownership? I'm most confused. I own 40%, the housing association own 60% the calculation methods I've researched dont method any potential of shared ownership and I'd like to know what to expect. I want to be prepared, I have a f...

Hi forum.

Hopefully what should seem like a simple question, has anyone obtained a professional accreditation whilst being in an IVA or lost there's because of it?

Thanks

Hi all

I've just been transfered to creditfix could anyone explain how the online review works please? Do you get a choice? How many months statements etc?

It was fairly smooth with knights bridge and I'll like it to stay that way?

Thanks