Search found 22 matches

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Car

by Jessicamj
Thu Feb 15, 2018 11:52 am
Forum: Ask IVA Forum and Industry experts
Topic: Car
Replies: 1
Views: 3114
So im thinking of selling my car and getting a different one. The money will be a bank transfer, will this be classed as a windfall? Will i be able to buy a new car? Will i have to tell them if my insurance increases/decreases
by Jessicamj
Mon Feb 12, 2018 6:16 am
Forum: Ask IVA Forum and Industry experts
Topic: Payment
Replies: 2
Views: 3051
So i made my first payment on 19th January. I picked the last date possible as i thought this would reflect my pay dates as i am paid 2 weekly. However this was not the best idea as i struggled to find the money as all my bills are paid from my first pay and nothing from the second pay. So the secon...
by Jessicamj
Sat Jan 06, 2018 11:12 am
Forum: Ask IVA Forum and Industry experts
Topic: Help
Replies: 4
Views: 4265
So as you know my iva got apporoved on 20th december. I am receiving letters from my creditors saying that if i dont make the payment they want they will close my account and demand full payment of the whole account with a date given and if i do not pay then further action may be taken. Do i just ig...
by Jessicamj
Wed Dec 20, 2017 1:15 pm
Forum: Ask IVA Forum and Industry experts
Topic: YESSSS!!
Replies: 4
Views: 5754
My iva was accepted today!!

I was advised to reject the modification of £20 as they had less than 20%

Thankyou for all the help with my silly questions!!

Heres to a new start!
by Jessicamj
Mon Dec 18, 2017 7:28 am
Forum: Ask IVA Forum and Industry experts
Topic: SOMEOME HELP
Replies: 5
Views: 6055
Most of it revolves around fees, which, unless you manage to pay back all of the debt, will not directly affect you. But, yes, it looks like the creditors have rejected the £20 smoking allowance and the payment is now £280 per month. Thankyou the email also said I can confirm that I have received v...
by Jessicamj
Sun Dec 17, 2017 12:26 pm
Forum: Ask IVA Forum and Industry experts
Topic: Sorry guys
Replies: 1
Views: 5728
So i have decided i dont want to bank with lloyds and would rather go with nationwide. Im awaiting for my meeting on the 20th if its accepted they will send out a direct debit mandate, can i just put my new details on here?
by Jessicamj
Fri Dec 15, 2017 7:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: SOMEOME HELP
Replies: 5
Views: 6055
I received an email today saying modifications have been made to my proposal and I can either accept or reject but I have no understand of half the words. The email quotes Nominee and supervisor fees The nominee fee will not exceed £1500. The nominee may pay expenses incurred by a third party which ...
by Jessicamj
Sun Dec 10, 2017 7:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditors
Replies: 2
Views: 6443
I have found over the last 7 years that creditors can be fickle --- some refuse a few as well as accept a few, it all depends on the strength of the offer and the general set of circumstances --- HSBC, for one, notoriously hate IVA's, yet I have seen them say yes. The only real thorn in the side (a...
by Jessicamj
Sun Dec 10, 2017 7:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditors
Replies: 2
Views: 6443
Are there any specific creditors likely to say no to iva proposal?
by Jessicamj
Wed Dec 06, 2017 9:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: Isa or savings account
Replies: 5
Views: 6596
While in an IVA I would go for a basic, instant Access, savings account --- you might need to call on modest savings for an emergency --- and you won't be able to save enough to make any impact on interest rate gains between products. Ok Thankyou, so an isa is a no-go? It isn't a no go if that is w...
by Jessicamj
Wed Dec 06, 2017 8:38 pm
Forum: Ask IVA Forum and Industry experts
Topic: Isa or savings account
Replies: 5
Views: 6596
Sorry for the 1000000th question. Just wondering which one would be better Isa or basic savings account? Thanks While in an IVA I would go for a basic, instant Access, savings account --- you might need to call on modest savings for an emergency --- and you won't be able to save enough to make any ...
by Jessicamj
Wed Dec 06, 2017 8:12 pm
Forum: Ask IVA Forum and Industry experts
Topic: Isa or savings account
Replies: 5
Views: 6596
Sorry for the 1000000th question.

Just wondering which one would be better

Isa or basic savings account?
Thanks
by Jessicamj
Tue Dec 05, 2017 9:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: Great news...but
Replies: 4
Views: 6841
I have the date for my creditors meeting 20th dec woop. I am looking to pay my first payment on the 1st jan as this is just easier as im paid two weekly. Regards to the 10/50/50 when will the ‘month’ start? from the date i make the payment 1st jan (only 2 pay days in janaury) or 20th dec if approved...
by Jessicamj
Thu Nov 30, 2017 7:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Bank statements
Replies: 4
Views: 5998
Do your bank statements get shown to creditors when sent the proposal or at meeting or are they just between you and ip?
by Jessicamj
Wed Nov 29, 2017 5:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: Help please
Replies: 2
Views: 5415
I had my iva proposal through today. I have not signed it yet. When will i be bound by the terms? Once i sign and sent back or once the proposal is accepted by creditors E.g if i came into money over £500, would i need to declare this as ive signed the iva or not declare yet as the iva has not been ...
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Search found 22 matches Page 1 of 2