Search found 39 matches

Search found 39 matches Page 1 of 3
by IVAconfused75
Tue Jan 09, 2018 11:07 am
Forum: Ask IVA Forum and Industry experts
Topic: Land registry
Replies: 4
Views: 2936
Thanks for your info. I will do that.
by IVAconfused75
Tue Jan 09, 2018 7:17 am
Forum: Ask IVA Forum and Industry experts
Topic: feels like its never going to end
Replies: 7
Views: 3180
It is a struggle and feels like a noose around your neck, but well done for getting this far. Hopefully, not too long to go. I could be wrong, but this is one area where there isn't I guess any emotional support, like there is for health conditions etc... Entering a long term financial binding agree...
by IVAconfused75
Tue Jan 09, 2018 7:00 am
Forum: Ask IVA Forum and Industry experts
Topic: Land registry
Replies: 4
Views: 2936
Hi So, I've settled my IVA in December. I haven't heard anything more from Payplan since then. Still waiting for my certificate. I've looked on this forum and there's a overview of the IVA process, but not one for when you are leaving it. I understand you receive a completion certificate that there ...
by IVAconfused75
Sat Dec 30, 2017 11:58 am
Forum: Ask IVA Forum and Industry experts
Topic: How long does it take to be 100% released from IVA after early settlement ?
Replies: 22
Views: 4832
Even if iva f&f agreed the iva will remain on your credit file albeit it shown as closed for the full 6 years since its start date. The only benefit to a f&f is that you have your income back without restriction. While you're on this point, can you clarify that if you complete your original...
by IVAconfused75
Sat Dec 30, 2017 11:53 am
Forum: Ask IVA Forum and Industry experts
Topic: How long does it take to be 100% released from IVA after early settlement ?
Replies: 22
Views: 4832
After this certificate has been issued you are released completely, save for any PPI which might surface in the future (but there is a fast approaching deadline for that anyway). Am I right in saying, so long as the PPI wasn't arranged before you entered an IVA? They can still scour for this, if it...
by IVAconfused75
Thu Dec 21, 2017 7:50 pm
Forum: Ask IVA Forum and Industry experts
Topic: Are there minimum amounts to qualify for an IVA ?
Replies: 30
Views: 5845
I think from my own personal experience, if I had the information I now have, I would have done everything I could, before signing into one.
I just hope top end of new year is going to promptly get me out of it.
by IVAconfused75
Thu Dec 21, 2017 6:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: Are there minimum amounts to qualify for an IVA ?
Replies: 30
Views: 5845
I apologise. I should have named direct.
Not knowing anything about IVAs, I wouldn't know which company does what or should be doing, but this just points out as a big company, they should be doing what you do to all their customers I guess.
by IVAconfused75
Wed Dec 20, 2017 10:02 am
Forum: Ask IVA Forum and Industry experts
Topic: Are there minimum amounts to qualify for an IVA ?
Replies: 30
Views: 5845
Hi Lisa. I'm with Payplan. They never went through any options at all, or asked me if I had spoken to any other services, prior to them. Just rushed me through their paperwork and procedure, which was a lot of information; especially as I had just been through a critical spell in hospital, mentally ...
by IVAconfused75
Tue Dec 19, 2017 6:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: Are there minimum amounts to qualify for an IVA ?
Replies: 30
Views: 5845
The other avenues will really depend on whether the debtor has got good advice from an IP and done their research or only explored one option instead of considering all options. [/i]


I can appreciate this, in theory. It's unfortunate is not part of an insolvency company's normal practice.
by IVAconfused75
Mon Dec 18, 2017 6:39 pm
Forum: Ask IVA Forum and Industry experts
Topic: Are there minimum amounts to qualify for an IVA ?
Replies: 30
Views: 5845
Option B could come as biting the bullet and maybe getting some help from family, as many people tell noone they're in a IVA. Then maybe negotiate some scheduled lump payments directly to your creditors over a shorter period of time than 6years. As you say, every circumstance is different and some m...
by IVAconfused75
Mon Dec 18, 2017 1:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: Are there minimum amounts to qualify for an IVA ?
Replies: 30
Views: 5845
I personally think there should be a minimum amount set of around £30k upwards. I don't see the point in locking someone into a debt plan for 6+yrs, with a debt less than that, with no equity or good job/assets. What do they expect to receive after the plan? Not very much. Is it worth going after so...
by IVAconfused75
Sat Dec 09, 2017 6:52 am
Forum: Ask IVA Forum and Industry experts
Topic: Petition now Live -- please sign
Replies: 8
Views: 6479
Signed the petition. I happened to stumble on to the next page about your local MP. I didn't know who mine was, but I do now. So I decided to pen her an email too. She might just bin it, but maybe this is another avenue we could try to be heard or at least make those in government we can contact dir...
by IVAconfused75
Sat Dec 09, 2017 6:05 am
Forum: Ask IVA Forum and Industry experts
Topic: Another petition
Replies: 6
Views: 4982
Hi. I know it's a bit late for my 2 pence worth, but I would've also included that the financial mediator also offer some advice if the debtor should be using an IVA at all, based on their level of debt and their mental state at that time. Not all debt is based around overspending shopping sprees or...
by IVAconfused75
Mon Dec 04, 2017 8:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: My full and final offer approved, but amount doesn't seem correct.
Replies: 3
Views: 5662
Thanks Foggy. The mistake was theirs. I called them this evening and it should've been 2 payments. There was no apology though. I just hope I'm not on here next year amongst the others, concerned about having to chase up my completion letter . .. By the way, are you sent a receipt or a letter of con...
by IVAconfused75
Mon Dec 04, 2017 1:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: My full and final offer approved, but amount doesn't seem correct.
Replies: 3
Views: 5662
I had confirmation that my F and F offer was approved last Friday. However, 2 monthly payments have been made from the time I formally wrote to them until the meeting date. It seems they have only taken 1 month payment off the offer. I will ring them tonight to point out the timespan and the indiffe...
Search found 39 matches Page 1 of 3