Search found 78 matches

Search found 78 matches Page 1 of 6
by Keith White
Tue Feb 05, 2019 7:27 pm
Forum: Ask IVA Forum and Industry experts
Topic: All over...
Replies: 13
Views: 5570

Did someone say it was a beer all round?
by Keith White
Mon Feb 04, 2019 9:45 pm
Forum: Ask IVA Forum and Industry experts
Topic: Do you have to be so many days falling free before you can go into an IVA
Replies: 8
Views: 5250

Hi, debt definitely plays second fiddle to physical or mental health issues. Its important that you receive the right level of help and support. Please feel free to contact me direct at keith.white@iva.com - I will do all I can to point you in the right direction and explain options open to you.
by Keith White
Fri Jan 18, 2019 10:01 am
Forum: Ask IVA Forum and Industry experts
Topic: Should I still be paying for loan if she is in an IVA?
Replies: 9
Views: 5272

I think the question here is whether the loan was taken out in joint names or in just your ex's name. If just in hers, then you are not legally liable for it and she is protected within her IVA. The exception would be if it were included as part of some legal arrangement within the terms of your sep...
by Keith White
Wed Jan 09, 2019 6:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: Iva finished last year but heard nothing from Aperture
Replies: 5
Views: 5715

It doesn't seem normal and once the IVA is finished you should receive a completion certificate though it can take a few months. Have you tried speaking to Aperture?
by Keith White
Mon Oct 01, 2018 4:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage is on my chairman's report
Replies: 6
Views: 6427

Just a thought - do you mean there is a unsecured part of the mortgage? ie an unsecured loan as part of the mortgage but not secured on the property?
by Keith White
Thu Sep 06, 2018 12:55 pm
Forum: Ask IVA Forum and Industry experts
Topic: Should my son do an IVA
Replies: 4
Views: 5727

A little depends too on whether your son plans to keep the car that is on finance. On most car deals the finance is secured on the car and could not be included as a debt. I suspect this would be a problem in a DRO. But certainly an IVA or a Debt Management Plan are potential solutions. So much depe...
by Keith White
Fri Aug 31, 2018 5:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: Independent IP has recommeneded bankruptcy
Replies: 13
Views: 5638

Hi Christine, plenty of IVA's are accepted at low dividends and £150/mth may well be accepted if its based on reasonable expenses and actual income. Many companies don't charge upfront fees and it makes no sense to pay them. But the pension payment does seem quite high and could represent an issue. ...
by Keith White
Tue May 01, 2018 3:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: Who do I do my IVA with?
Replies: 15
Views: 4499

Well worth talking to more than one company and as others have said read reviews, and don't be pressured into deciding before you are ready.
by Keith White
Tue Apr 24, 2018 7:39 am
Forum: thinking of making your first post ?
Topic: Stressed, embarassed and a failure
Replies: 15
Views: 6271

If you do feel a failure - then join the rest of us - so many of us have stories to tell that can cause shame or a sense of failure. The best you can do is work out the best way forward and go for it. Firstly forget the 48 hours ultimatum - that is unfair. You need to understand the options open to ...
by Keith White
Tue Apr 17, 2018 12:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: HELP!!!
Replies: 7
Views: 4902

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.
by Keith White
Sun Apr 08, 2018 11:31 am
Forum: Ask IVA Forum and Industry experts
Topic: Who have people gone with to do iva
Replies: 5
Views: 4931

Definitely worth speaking to more than one company just to get a feel for how different companies operate.
by Keith White
Thu Mar 15, 2018 9:39 am
Forum: Ask IVA Forum and Industry experts
Topic: Advice?
Replies: 17
Views: 4497

Obviously your income level is important in calculating the amount you can afford to pay back on the debts through an IVA. You can probably start an IVA at one level of payment and reduce it if your income reduces. If you know what the new salary will be (and can provide evidence in due course) then...
by Keith White
Thu Mar 15, 2018 9:34 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA Rejected
Replies: 27
Views: 5214

Very sorry to hear about the rejection. If though you can make another offer - with a significantly greater amount of money - the there is no reason not to start again with a new proposal. £600/mty must be a lot more "commercially viable" than £200/mth! The amount of equity you have will be relevant...
by Keith White
Mon Mar 12, 2018 7:41 am
Forum: Ask IVA Forum and Industry experts
Topic: I was declared bankrupt in 2010 - is an IVA an option?
Replies: 4
Views: 4140

Certainly no reason why you shouldn't explore an IVA option. Well worth speaking to 1 or 2 companies to find out all your options - pros and cons of each. The fact that you have previously been made bankrupt does not prevent you proposing an IVA now.
by Keith White
Wed Mar 07, 2018 8:28 am
Forum: Ask IVA Forum and Industry experts
Topic: Do Zopa reject IVA's?
Replies: 3
Views: 5102

Hi - Zopa do accept IVA's - but seem to demand a higher dividend than many other creditors. They require 50p in £ minimum - which means that the IVA needs to deliver 50p in the £ to all creditors - as all need to be treated equally.
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