Search found 104 matches

Search found 104 matches Page 1 of 7
by Keith White
Thu Oct 08, 2020 4:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can my husband have an IVA if I have debts too?
Replies: 3
Views: 3274

I agree. The right solution for one person in a couple may be different to their partner/spouses best or preferred solution.
by Keith White
Tue Jun 23, 2020 2:39 pm
Forum: Ask IVA Forum and Industry experts
Topic: Provisional rejection
Replies: 4
Views: 2801

I have heard of this before - a creditor being over-cautious thinking that maybe the IVA would fail part way through as income level drops. In my experience, once the debtor has assured the IP/creditor that they will manage to maintain payments even in the changing circumstances, then it tends to go...
by Keith White
Tue Feb 11, 2020 7:33 am
Forum: pets corner
Topic: Pet allowances
Replies: 6
Views: 3347

Hi, my understanding is that the "normal guidelines" to cover pet food/insurance is £34 total. This must seem impossibly low for pet lovers - especially if there are special circumstances. Its just that from the creditors' perspective, they want as much of their debt back as possible. I agree with L...
by Keith White
Wed Jan 08, 2020 4:07 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is an IVA the best option for me?
Replies: 7
Views: 2494

Certainly worth talking to other companies. 2 questions for everyone considering an IVA - is it the right option for me and then secondly, who are the right company to run it through.
by Keith White
Wed Jan 08, 2020 3:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Likelihood of an IVA being accepted
Replies: 3
Views: 2438

If the IVA offer is likely to pay creditors more than they would receive in bankruptcy then it is likely that creditors will accept. With some further details we could assess the likelihood of acceptance - certainly worth exploring. Feel free to get in touch.
by Keith White
Fri Nov 29, 2019 5:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: Using credit card before iva
Replies: 14
Views: 4105

Its always a nervous time waiting for the creditors meeting. I think it is highly unlikely that the use of the credit cards as you mention will cause the IVA to fail. The Insolvency Practitioner must believe the IVA will succeed by putting it forward. Good luck with everything!
by Keith White
Thu Nov 21, 2019 7:31 am
Forum: a success story
Topic: 6 Years, 2 Months and 18 Days...
Replies: 3
Views: 14878

Very very helpful - thank you. Enjoy Year 6 Month 2 Day 19!
by Keith White
Wed Nov 13, 2019 8:51 am
Forum: Ask IVA Forum and Industry experts
Topic: Can anyone give me any info on CreditFix
Replies: 4
Views: 2889

Hi - its never a bad idea to talk to more than one iva company in order to compare companies and their advice. Its a big decision and one that you should not be rushed into without some thorough research. There is absolutely no problem with chatting with someone else despite having a proposal ready ...
by Keith White
Thu Oct 24, 2019 4:33 pm
Forum: thinking of making your first post ?
Topic: Advice on application put forward
Replies: 3
Views: 4407

That sounds a very fair proposal - good luck!
by Keith White
Fri Oct 18, 2019 12:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I transfer my IVA to another company?
Replies: 6
Views: 2772

Foggy is right - you can't transfer IVA company once the IVA has been set up and agreed. Many people speak to more than one company before deciding which is the right one for them.
by Keith White
Thu Aug 08, 2019 9:08 am
Forum: Ask IVA Forum and Industry experts
Topic: Can I still rent a home if I have an IVA?
Replies: 4
Views: 2145

I agree - your choices maybe more limited - but private rentals are normally fine. A good reference and a nice smile can do the trick!
by Keith White
Sun Aug 04, 2019 10:10 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA and Virgin Mortgage
Replies: 5
Views: 2404

There is a big difference entering an IVA with an existing mortgage and applying for a mortgage once in an IVA. Maybe half the people in IVA's have existing mortgages and all is well as long as they maintain payments. As mentioned, it may be difficult to switch lenders or get a new fixed rate deal b...
by Keith White
Mon Jul 22, 2019 7:27 am
Forum: Ask IVA Forum and Industry experts
Topic: Splitting the household bills
Replies: 2
Views: 1933

The main principle here is to evidence that you are not payimg more than your fair/reasonable share of the household bills.
by Keith White
Tue Jul 02, 2019 9:31 am
Forum: Ask IVA Forum and Industry experts
Topic: Is an IVA Free?
Replies: 5
Views: 2430

I agree - well worth chatting to 1 or 2 companies - they will be able to help with information regarding the options open to you to sort out the debts.
by Keith White
Sun Jun 16, 2019 5:15 pm
Forum: Ask IVA Forum and Industry experts
Topic: What can I do about my debts?
Replies: 5
Views: 2711

Find out about all options then you are in a position to make an informed decision.
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