Search found 71 matches

Search found 71 matches Page 1 of 5
by J5453
Tue Aug 07, 2018 1:14 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I add debts into an IVA
Replies: 4
Views: 4821
The short answer is yes you can. But it may mean another creditors meeting and them agreeing to allow the debt to be added. This is classed as a variation. I was allowed this as I had a secured debt that became unsecured, but was known about from the outset. You will have to explain where this new d...
by J5453
Thu Aug 02, 2018 6:42 am
Forum: Ask IVA Forum and Industry experts
Topic: How can a secured loan become unsecured?
Replies: 7
Views: 5656
Hi I had a first plus loan secured on the house. During the iva due to my circumstances I had to have the house voluntary repossessed because first plus would not allow me to sell the house as there would be a £17k shortfall. So I had it repossessed. This then meant there was no house to secure the ...
by J5453
Sat Jul 07, 2018 6:50 pm
Forum: Complaints procedure
Topic: Credit file clean up
Replies: 4
Views: 5140
Thanks for the link Foggy!

Especially on who to address the letter to.

The certificate was dated 20th April this year.
I thought things would have started to filter through by now but seems like I’m yet again doing the run around!
by J5453
Sat Jul 07, 2018 6:11 pm
Forum: Complaints procedure
Topic: Credit file clean up
Replies: 4
Views: 5140
Hi, Just as I thought the journey was over with, feels like the beginning. Trying to clear up my credit file is not as straight forward as I thought. Iva is now completed and 6 years were up on the 30th April this year but it’s still not dropped off so have rang IP to sort it plus sent in docs to th...
by J5453
Fri Jun 29, 2018 8:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: Fo I have to sign an RX1 form?
Replies: 8
Views: 5559
They’ve really not been very helpful by allowing it to get this far before sending it and then giving a misleading explanation but if you want to stay within T&C’s of your IVA as a homeowner I’m afraid as already mentioned it will have to be signed. If you need to get independent advice then spe...
by J5453
Fri Jun 29, 2018 6:27 pm
Forum: Ask IVA Forum and Industry experts
Topic: Fo I have to sign an RX1 form?
Replies: 8
Views: 5559
I’m amazed at the lack of honesty on their part too! This is basic stuff and they should be able to give a clear reason why the form has to be signed. I’m not sure if it was just my company but this was explained to me before I even put pen to paper in setting up the IVA so I knew I had to sign it a...
by J5453
Sat Jun 09, 2018 3:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: Conpletion Certificate
Replies: 7
Views: 5416
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: 5565
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: 5565
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: 5565
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: 5565
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: 5549
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: 4610
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: 4610
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: 4553
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...
Search found 71 matches Page 1 of 5