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by kallis3
Thu Jul 25, 2024 1:29 pm
Forum: template letter suggested by inaiva
Topic: Perch Capital
Replies: 2
Views: 2332

Send them a copy of your completion letter and tell them to remove the default otherwise you will make a complaint.
by kallis3
Tue Jul 23, 2024 1:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: Salary sacrifice
Replies: 1
Views: 2253

Have you thought about applying for motability for your child?
by kallis3
Sun Jun 02, 2024 5:54 pm
Forum: how are you coping?
Topic: 50 Months In To IVA (Ebenegate) - Feeling Off
Replies: 14
Views: 5783

Do give it a try - can't hurt. Do give the link I posted a try. The advice is good. Let me know how thing pan out. I am on the other forum as well but under a different name as are several others.
by kallis3
Sun Jun 02, 2024 2:51 pm
Forum: how are you coping?
Topic: 50 Months In To IVA (Ebenegate) - Feeling Off
Replies: 14
Views: 5783

Sorry about all of these problems but Ebengate are not being good at the moment. Double check on the IR to see who your IP is now as I believe it mave changed.

Just to let you know that this site is not constantly monitored now. Try this one now https://theivaforum.co.uk/forum/
by kallis3
Mon May 13, 2024 8:16 am
Forum: Ask IVA Forum and Industry experts
Topic: complicated IVA situation
Replies: 1
Views: 2982

You could ask that the IVA be closed down with payments made to date due to the circumstances, If it fails you will be back to owing the full amount to your creditors but you could set up a payment plan with a different firm and although it will take longer to pay off it should be better for you. Ca...
by kallis3
Fri Mar 01, 2024 11:13 am
Forum: credit
Topic: Credit score
Replies: 1
Views: 4186

It maybe a glitch in the system - just keep an eye on it.
by kallis3
Tue Nov 28, 2023 3:03 pm
Forum: full and final settlements
Topic: Full and final offer
Replies: 1
Views: 4864

You should try and offer as close to the original amount as possible but you can but try to make your offer. Don't forget you will have fees to pay on top and it will take a couple of months to go through.
by kallis3
Sat Nov 18, 2023 5:01 pm
Forum: a success story
Topic: At last its all over
Replies: 2
Views: 5200

That's fabulous news Adam - so glad it has worked out for you. A great early Christmas present as well.

Good luck for the future.
by kallis3
Thu Nov 02, 2023 7:59 am
Forum: Ask IVA Forum and Industry experts
Topic: DRO Application
Replies: 1
Views: 3464

They wouldn't put it through if they didn't think it would be accepted and I, personally have heard of one being rejected. I think you will be fine.
by kallis3
Fri Oct 27, 2023 2:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: First draft Iva refused by Plend
Replies: 6
Views: 4324

That is too much for a DRO. I don't know if companies are required to renegotiate. If they have said no then that might be it and, as you have said it's their loss.
by kallis3
Fri Oct 27, 2023 7:53 am
Forum: Ask IVA Forum and Industry experts
Topic: First draft Iva refused by Plend
Replies: 6
Views: 4324

It is up to your IP to chase Plend who do sound like a nightmare of a company.

With Bankruptcy you may well have to pay an Income Payments order depending on your disposable income and your credit record will be shot for 6 years, same as with the IVA.

Keep talking to your IP.
by kallis3
Thu Oct 12, 2023 7:32 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA doesn't drop off your credit file after 6 years. You have to send them the completion certificate!
Replies: 7
Views: 4719

I know it's a pain but you just have to be patient and keep checking - have you checked the IS to see what it says on there?
by kallis3
Thu Sep 21, 2023 7:58 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA doesn't drop off your credit file after 6 years. You have to send them the completion certificate!
Replies: 7
Views: 4719

Your IP should inform the CRAs that your IVA has completed, mine did and, as far as I am aware, so did all of my friends on here.
It doesn't automatically drop off - down to your IP and not you.
by kallis3
Tue Sep 12, 2023 6:35 am
Forum: full and final settlements
Topic: Made my final settlement Hanover/Creditfix
Replies: 3
Views: 4921

If it's gone to the closures team then the information regarding the creditors acceptance will be on your completion letter. I never received anything other than that.
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