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Search found 72215 matches Page 1 of 4815
by kallis3
Mon Jan 15, 2018 12:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: Monies
Replies: 6
Views: 417
I agree that it is probably classed the same as PPI and as such I personally think it is due to your creditors.
by kallis3
Sun Jan 14, 2018 4:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: I’m going into year 5 of a joint IVA. 60000 was the debt.
Replies: 3
Views: 689
Hi,

You will be in an interlocking IVA. Chances are you will continue on for a further 12 months as you are unlikely to be able to remortgage. You will never pay back more than your original debt plus fees and possible statutory interest.
by kallis3
Sun Jan 14, 2018 8:50 am
Forum: Ask IVA Forum and Industry experts
Topic: Full and final offer
Replies: 6
Views: 865
You can always get them to blank out totals and just leave the sum they are providing. Make sure your IP knows it is only available for your offer and will be withdrawn if not accepted.
by kallis3
Sat Jan 13, 2018 9:56 am
Forum: Ask IVA Forum and Industry experts
Topic: Going through Divorce - have a large amount of equity with in the marital home
Replies: 4
Views: 1049
Hi,

Once in an IVA, your credit rating will be shot for six years regardless, even if you manage to pay off all if your creditors. You will have a restriction on any sales which is registered at the Land Registry and would need your IP's permission to sell.
by kallis3
Fri Jan 12, 2018 3:12 pm
Forum: Ask IVA Forum and Industry experts
Topic: I have UK debts but now live in france
Replies: 1
Views: 1259
How long have you lived in France? I believe if you have not been out of the UK for more than 3 years, you can set up an IVA but do speak to a few companies for some advice.
by kallis3
Fri Jan 12, 2018 2:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: Moving banks
Replies: 5
Views: 1273
Never had an overdraft with either bank I use and don't want one. Do agree with the others that it should not cause a problem. Shouldn't make any difference if you swap salary etc to your other account.
by kallis3
Fri Jan 12, 2018 1:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Draft proposal
Replies: 7
Views: 2441
Fingers crossed!
by kallis3
Fri Jan 12, 2018 1:17 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA and Gambling
Replies: 6
Views: 1336
Excellent post and I'm glad you have beaten the gambling problems.
by kallis3
Fri Jan 12, 2018 1:14 pm
Forum: Ask IVA Forum and Industry experts
Topic: Paying off IVA early
Replies: 10
Views: 1387
Also not a good idea to contact your creditors - debts may well have been sold on and it could mean failure of your IVA which could lead to interest and charges being added on.
by kallis3
Fri Jan 12, 2018 10:25 am
Forum: Ask IVA Forum and Industry experts
Topic: Paying off IVA early
Replies: 10
Views: 1387
You also tell them you want any monthly payments deducted from your offer. I will also say that even if you settle early, your IVA will remain on your credit record for the full six years.
by kallis3
Fri Jan 12, 2018 10:22 am
Forum: Ask IVA Forum and Industry experts
Topic: Paying off IVA early
Replies: 10
Views: 1387
It should not take take that long to arrange a meeting. Keep on at them!
by kallis3
Fri Jan 12, 2018 7:09 am
Forum: Ask IVA Forum and Industry experts
Topic: DCAs v original creditors
Replies: 3
Views: 1339
It's not usual for them to be sold on immediately. If you default without doing a repayment plan of some sort it will still reflect badly on your credit record.

You need to decide which route to go down and speak to a couple of companies for professional advice.
by kallis3
Fri Jan 12, 2018 7:03 am
Forum: Ask IVA Forum and Industry experts
Topic: Lodger v cohabiting
Replies: 3
Views: 1365
Just make sure the lodger pays rent
Search found 72215 matches Page 1 of 4815