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by ladymarmite
Fri Jun 19, 2020 8:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: Updating credit file
Replies: 10
Views: 1806

<t>My husband got accepted for an IVA Oct 2018. We submitted all the paperwork to Inquesta. Next Directory was an issue as the debt had been resold twice. But it was listed in my IVA document. In July 2019 I took a loan to offer a full and final settlement and it was accepted and the IVA was satisfi...
by ladymarmite
Sat Mar 07, 2020 12:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: New debt discovered
Replies: 2
Views: 2723

<t>Hi my partner completed his IVA last September 2019 after a Full and final offer. The issue with his debt had been leaving his ex wife. He is just going through the financial divorce settlement and he is mortified to find a new hard search on his credit report from lender he knws nothing about fr...
by ladymarmite
Mon Oct 21, 2019 4:24 pm
Forum: full and final settlements
Topic: Clearing credit record- can I update a CCJ?
Replies: 1
Views: 19197

Hi My partner had a Full and Final offer accepted in September. I'm just now checking and getting the credit reports updated. He has a CCJ from 2015. However, the company that applied for to the CCJ debt is showing as settled. The debt from this was sold to a debt collection company which was includ...
by ladymarmite
Mon Jun 24, 2019 4:07 pm
Forum: full and final settlements
Topic: Advice on making F&F offer
Replies: 6
Views: 18410

Update Fingers crossed...10th July is creditors meeting to decide on two proposals Current payment plan £205 per month paying back 60p in the £ Creditors meeting to vote on resolutions: 1. Full and Final settlement of £7,000 paying back 30p in £ 2. Reduction of payments to £85 for term of IVA (curre...
by ladymarmite
Tue Oct 16, 2018 3:28 pm
Forum: bonus, overtime, pay rises and windfalls
Topic: If I clear my debt how will it affect my partners IVA
Replies: 1
Views: 30267

Hi My partner is just into an IVA. We are cohabiting and my income expenditure has been included in his IVA. I own and am selling a small flat to fund a years study at university for my Masters. I'd like to pay off a car loan in my name, but how will this impact on his IVA? Does he need to report th...
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