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by Viki.W
Mon Mar 14, 2016 12:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: Bankruptcy changes from April 2016
Replies: 14
Views: 3755

A person will be prompted to get free independent advice before the application but as far as I know there is no tick box or requirement to seek advice prior to submitting the application.
by Viki.W
Sun Mar 13, 2016 8:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: Bankruptcy changes from April 2016
Replies: 14
Views: 3755

The application itself is lengthy and asks for everything the statement of affairs did so that's not quicker, but you can pay online and the verification is quick, so although I haven't actually submitted one yet, and I won't know exactly until 5th April, yes, it would be possible to do that Andy!
by Viki.W
Sun Mar 13, 2016 8:15 pm
Forum: Ask IVA Forum and Industry experts
Topic: Bankruptcy changes from April 2016
Replies: 14
Views: 3755

Good point Andy.

No, there is no cooling off period.

You can log in and out of the application as and when and then at the end you will need to pass a verification.

Then you can submit your application. Once you've done this, you can't change your mind.
by Viki.W
Sun Mar 13, 2016 4:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: Bankruptcy changes from April 2016
Replies: 14
Views: 3755

Thanks Kallis, wasn't sure.
by Viki.W
Sun Mar 13, 2016 3:49 pm
Forum: Ask IVA Forum and Industry experts
Topic: Bankruptcy changes from April 2016
Replies: 14
Views: 3755

Hi all, hope everyone is well, I posted this on the sister site a couple of days ago and thought I'd best post it here, sorry if someone has already posted this info: From the 6th April 2016, there will be changes to the way an individual applies for bankruptcy. The individual won't go to court to a...
by Viki.W
Wed Nov 28, 2012 10:24 am
Forum: Ask IVA Forum and Industry experts
Topic: ppi
Replies: 47
Views: 4474

Sorry Heretoday, I don't know!
by Viki.W
Wed Nov 28, 2012 10:18 am
Forum: Ask IVA Forum and Industry experts
Topic: ppi
Replies: 47
Views: 4474

If there is a PPI claim from PPI dating back to before the bankruptcy court date, then any money from a successful claim will either be offset by the bank, or claimed by the official receiver.

It doesn't matter if it's after discharge, it will always go to the OR (or be kept by the bank)
by Viki.W
Wed Nov 28, 2012 10:05 am
Forum: Ask IVA Forum and Industry experts
Topic: ppi
Replies: 47
Views: 4474

Just to reassure anyone who is bankrupt, you will still be discharged at the normal time. The PPI issue is not stopping automatic discharge.
by Viki.W
Thu Mar 01, 2012 9:12 pm
Forum: Ask IVA Forum and Industry experts
Topic: Sad news. R.I.P Wizzzard
Replies: 57
Views: 4363

I'm very sorry to hear about Ray. His jokes and countdowns on the forum and emails off line got me through some tough times. He will be sadly missed. My thoughts are with Mrs Wizz and his family.
by Viki.W
Sat Dec 25, 2010 9:20 am
Forum: friends corner
Topic: Merry Christmas
Replies: 20
Views: 2158

Merry christmas Jan, and Merry Christmas to all.

Lots of love from me, Jon and Lily. XXX
by Viki.W
Thu Jan 14, 2010 11:14 am
Forum: friends corner
Topic: I need a moan!
Replies: 27
Views: 3058

Ah sorry you feel poo hun, hope doc sorts you out. Get plenty of rest and get Dave to wait on you. Aren't cats great at looking after you when you're sick?! Nia always jumps on me and rests her paw on my chest. X
by Viki.W
Fri Jan 08, 2010 9:53 am
Forum: friends corner
Topic: Happy Birthday Lesley!
Replies: 17
Views: 1719

Happy birthday hun, Have a fab day. XXX
by Viki.W
Wed Dec 23, 2009 8:35 pm
Forum: Ask IVA Forum and Industry experts
Topic: A bit of a rant!
Replies: 79
Views: 5825

Oh hun, I'm so sorry. I can't believe they are closed for so long, how frustrating. I hope it gets sorted soon. X
by Viki.W
Fri Dec 18, 2009 8:10 am
Forum: friends corner
Topic: Happy Birthday Kallis!
Replies: 33
Views: 2385

Happy birthday hun, have a fab weekend. Talk soon.

Lots of love and hugs from me, Jon and Lily. XXX
by Viki.W
Sat Dec 12, 2009 12:41 pm
Forum: friends corner
Topic: Vicki and Baby Lily
Replies: 19
Views: 2157

Hi everyone, I'm terrible I know, I'm neglecting all my forum pals. I will email you all before Christmas. All good here. Jon is still out of work but a full time Daddy, so I think that is the way it will be now. I'm still working from home so it's lovely having Lily right there. She's gorgeous, she...
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