Search found 132 matches

Search found 132 matches Page 1 of 9
by Mrs_Brown
Thu May 02, 2019 12:58 pm
Forum: Ask IVA Forum and Industry experts
Topic: Important question
Replies: 2
Views: 1147

Best thing would be to check with IP. A budgeting loan may be an issue because of the amounts, an advance of UC would probably be below the £500 additional credit threshold and is intended to help people get through the first 5wks, so the IP might be a bit more tolerant of that.
by Mrs_Brown
Fri Apr 05, 2019 8:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: Help! IVA Bank Frozen
Replies: 6
Views: 1414

Lloyds are terrible for freezing bank accounts, there has been several posts on here about them. My own experience with it was that they did unfreeze an account (not one I was using but I was still named on it, despite having taken steps to be removed) it happened on a Friday, but they couldn't unfr...
by Mrs_Brown
Tue Apr 02, 2019 7:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: ** IVA Friendly Bank Accounts
Replies: 11
Views: 1416

I read somewhere about Monzo, I quite like them myself, but I only use my account with them as a secondary account to my co-op account, somewhere I can stash those allowances I need to save and little extras like the council tax I haven't paid on Feb / Mar and my share of any overtime.
by Mrs_Brown
Sat Mar 16, 2019 6:18 am
Forum: Ask IVA Forum and Industry experts
Topic: Bank taking partners money.
Replies: 7
Views: 3140

An issue with Lloyds freezing accounts happened to me when I had got my creditor meeting date set. My ex had been using a joint account with them, I had a credit card with them. I had signed papers to have my name taken off the joint account 2months before starting the IVA process, but it wasn't act...
by Mrs_Brown
Fri Mar 15, 2019 4:51 am
Forum: Ask IVA Forum and Industry experts
Topic: New layout / access problems
Replies: 3
Views: 3319

Once in a while I get an error screen flash up, with some text on it. I haven't taken a screenshot though so can't remember the message. I have to admit I visit the site less often now, because its less clear what's new and where a comment is added. I often think I am seeing a comment on an old post...
by Mrs_Brown
Fri Mar 15, 2019 4:46 am
Forum: Ask IVA Forum and Industry experts
Topic: My first annual review due and would like to know how many wage slips and bank statements i will need to provide ????
Replies: 9
Views: 3364

I think it varies between companies, offhand I think Stepchange asked me for 3 payslips and 1 bank statement. I had more issues with their Microsoft word document than I did with the review.
by Mrs_Brown
Sun Mar 10, 2019 7:36 pm
Forum: Ask IVA Forum and Industry experts
Topic: Why have I got to pay 100p in the £?
Replies: 7
Views: 4588

I was aware of this rule before my IVA, and it was emphasised in my data gather call from Stepchange. In all honesty, if I had received any windfall outside of an IVA, I would have used it to clear debts. I view it as if I do get any kind of windfall now, paying off 100p in the £1 (plus the addition...
by Mrs_Brown
Sun Mar 03, 2019 6:04 am
Forum: Ask IVA Forum and Industry experts
Topic: New forum layout
Replies: 9
Views: 6373

I'm glad it's not just me thinking it! It seems like an old school message board, with those ancient pinned posts at the top, so I wondered if there had been a point the site admins had reverted to an old old version of the site coding. Don't know about drop downs Foggy as I use mobile view. It woul...
by Mrs_Brown
Fri Feb 22, 2019 7:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: Cheque landed on my door this morning
Replies: 10
Views: 7597

This is the second post about Lloyds, I wonder if I will be getting a surprise cheque too, given then were a big chunk of my debts.
by Mrs_Brown
Wed Feb 20, 2019 7:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: What do i say to creditors when they ring?
Replies: 5
Views: 7737

I wouldn't answer the phone. I told them to communicate in writing (I told them this by letter) and blocked private number calling on my phone. I didn't answer unknown numbers and Googled them after!
by Mrs_Brown
Tue Feb 12, 2019 11:02 am
Forum: Frugal Friends Map
Topic: how do you do the surveys
Replies: 4
Views: 6457

Not surveys, but I use my phone to take photos of receipts through two apps, Receipt Hog and Shoppix. I earned £5 over 6 months from Receipt Hog, Shoppix was much quicker and took 2months. But that's based on every single receipt, and I tend to split my shopping up, on any single trip I night go to ...
by Mrs_Brown
Fri Feb 08, 2019 7:09 am
Forum: Ask IVA Forum and Industry experts
Topic: Will an IVA work for us?
Replies: 5
Views: 5639

The other thing that occurs to me as I read this is the help to buy part of the house payments, check the clauses in that to ensure there's no insolvency ties that could find them revoking it in any way. I remember hesitating about starting an IVA, although my circumstances are different to yours, I...
by Mrs_Brown
Tue Jan 22, 2019 8:06 am
Forum: Ask IVA Forum and Industry experts
Topic: Self employed and Tax Return
Replies: 5
Views: 4901

any advise please? I would suggest ringing the helpline and asking them if you should amend it / have it noted on file that you were in touch. My inclination would be to say you should if it is the year before the official receiver would have been dealing with your affairs, but it might have an imp...
by Mrs_Brown
Sat Jan 19, 2019 3:58 pm
Forum: Ask IVA Forum and Industry experts
Topic: Ok - IVA why bother take 2
Replies: 7
Views: 5210

Someone once told me he did this, stopped paying and it all dropped off after 6yrs. When I looked at the public insolvency record he was on there, with an old IVA unsettled. I suspect from what I was told, that he set up the IVA then did a bunk on them and allowed his new partner to take on all thei...
by Mrs_Brown
Sat Jan 12, 2019 8:40 am
Forum: Ask IVA Forum and Industry experts
Topic: Why bother with an IVA?
Replies: 5
Views: 5618

From your previous posts I can see yours completed, has something happened since?
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