Search found 65 matches

Search found 65 matches Page 1 of 5
by J5453
Sat Jun 09, 2018 3:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: Conpletion Certificate
Replies: 7
Views: 3679
Yes that’s it.

It took about 6 weeks for mine to come through.

Congratulations! You’ve done it! :D
by J5453
Mon May 21, 2018 6:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Post IVA credit
Replies: 10
Views: 5456
Thank you everyone for replying.

I’ll have a look at the credit cards that start me back on the straight and narrow, with the smallest possible limit to just pay for petrol and then pay it off in full.
by J5453
Sun May 20, 2018 2:50 pm
Forum: Ask IVA Forum and Industry experts
Topic: Post IVA credit
Replies: 10
Views: 5456
It’s with Santander.

That’s how I took as too and wanted to make sure.
by J5453
Sun May 20, 2018 2:30 pm
Forum: Ask IVA Forum and Industry experts
Topic: Post IVA credit
Replies: 10
Views: 5456
Meant to add before applying for their everyday credit card.
by J5453
Sun May 20, 2018 2:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: Post IVA credit
Replies: 10
Views: 5456
Can I just piggy back on this one? My Iva completed last month and my 6 years were also up at the same time. My IVA is still showing on credit file and IR. With credit building in mind, my bank states that I must not have been declared bankrupt, or had a CCJ or IVA WITHIN LAST 6 YEARS. So I read tha...
by J5453
Sun May 20, 2018 6:23 am
Forum: Ask IVA Forum and Industry experts
Topic: Using a credit card whilst in an iva
Replies: 4
Views: 5489
Hi there, You will have to check your IVA terms as some allow up to £500 credit but the whole point of being in an Iva is to sort out debts and I think the temptation to use a credit card could get out of hand. That’s my opinion. You don’t want to jeopardise the Iva this early on I’m sure. It maybe ...
by J5453
Sat Apr 28, 2018 5:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: Received Payplan Completion Letter in under 6 weeks of completion....shocked!!
Replies: 11
Views: 4462
Yep I can confirm it’s a bit of paper with no frills. Important all the same but as stated that is it!
by J5453
Sat Apr 28, 2018 5:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: Received Payplan Completion Letter in under 6 weeks of completion....shocked!!
Replies: 11
Views: 4462
Hi there, It’s definitely my completion letter as it says all money has now been paid to creditors with a break down of the amounts. It says my creditors cannot pursue me even though I’m no longer in the Iva. It lists my PPI obligations as per standard and it’s all been signed off as completed on th...
by J5453
Thu Apr 26, 2018 9:42 am
Forum: Ask IVA Forum and Industry experts
Topic: 4th year of IVA and I need help please
Replies: 4
Views: 4493
Hi Jason, I think it’s best to just be honest with your IP. The whole point of an Iva is to get you out of a bad place to a better place. It seems like all the juggling you are doing is causing you more hassle on top. I think cards on the table is the only option otherwise it’s going to play havoc w...
by J5453
Wed Apr 25, 2018 12:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Received Payplan Completion Letter in under 6 weeks of completion....shocked!!
Replies: 11
Views: 4462
Hi, I promised to update a couple of interested forum users on how long it took for Payplan to send out the completion letter after last payment. Well to say I’m shocked is an understatement! My last payment was 15th March after 6 long years! The letter was dated 20th April as completed! Arrived tod...
by J5453
Wed Apr 18, 2018 7:05 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA agreement cancelled but they still took a payment out of my bank account
Replies: 3
Views: 4583
Did you set up a direct debit or standing order with a view to going ahead and then cancelled the Iva? If it’s a standing order, they won’t be able to cancel that from their end and it would have to be you to stop a payment. My payments were standing order and was told after my last payment to make ...
by J5453
Thu Apr 12, 2018 2:52 pm
Forum: Ask IVA Forum and Industry experts
Topic: Payplan completion certificate
Replies: 7
Views: 5111
Ah okay, it was just a paragraph- that's why I thought it was fake. Thanks for the responses Hi there, Out of interest how long did it take to get your letter through after last payment? Waiting for my letter of completion to arrive from Payplan. They quoted me 3 weeks....haha that’s already been a...
by J5453
Tue Apr 10, 2018 4:50 pm
Forum: Ask IVA Forum and Industry experts
Topic: Problems with my IVA provider
Replies: 2
Views: 5153
I am with Payplan and about 2 years into the IVA I had a modification agreed at a variation meeting, all to do with the fact that due to a change in circumstances, they’d get no equity from my house. This was agreed on the proviso that I’d pay a set amount wothin the last year. I totally forgot this...
by J5453
Tue Apr 10, 2018 4:01 am
Forum: Ask IVA Forum and Industry experts
Topic: To pay or not to pay?
Replies: 19
Views: 4962
Hi there, What advice did your IP company give you whilst in the process? They should be offering you the best way to go forward in the meantime. I initially went to the citizens advice bureau before approaching the IP company, who told me to offer a token payment of £1 to each company with a coveri...
Search found 65 matches Page 1 of 5