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by plasticdaft
Sat Jun 29, 2019 7:58 pm
Forum: Ask IVA Forum and Industry experts
Topic: will an IVA affect my car insurance renewal premium?
Replies: 3
Views: 1967

Nfu mutual wouldnt offer us a quote due to them perceiving us as an increased risk of a fraudulent claim due to our insolvency.

They were politely told to go away!!
by plasticdaft
Sat Jun 29, 2019 7:55 pm
Forum: Ask IVA Forum and Industry experts
Topic: Upgraded phone
Replies: 5
Views: 1771

Wont be an issue at all.
by plasticdaft
Sun Jun 09, 2019 4:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: A refund after iva finished?
Replies: 5
Views: 2239

There's a reason not to poke a sleeping bear with a stick.

I had a fair sized debt written off but wouldnt dream of pushing my luck with a claims company especially given that they may want a fee paid no matter what!!

I understand the temptation but I'm just glad to get through my insolvency.

Paul
by plasticdaft
Wed May 22, 2019 10:47 am
Forum: Ask IVA Forum and Industry experts
Topic: First Dispute Management
Replies: 4
Views: 3086

Personally if it was me I wouldnt be signing it. You have completed your IVA.

Paul
by plasticdaft
Sun May 19, 2019 10:25 am
Forum: Ask IVA Forum and Industry experts
Topic: Change of Pay date whilst in an IVA
Replies: 7
Views: 1241

Plenty people would struggle to last so worth asking your employer for an advance. Bit naff not giving any notice.

Paul
by plasticdaft
Sun May 19, 2019 10:21 am
Forum: Ask IVA Forum and Industry experts
Topic: credit score
Replies: 11
Views: 1329

Start small with things like a vanquis card.

It does take a bit of time.

Good luck.

Paul
by plasticdaft
Thu Dec 27, 2018 9:40 am
Forum: Ask IVA Forum and Industry experts
Topic: Does having any IVA affect our chances of fostering?
Replies: 5
Views: 7966

It may bring in to question the motivation for fostering. Horrible as it may sound and I mean no offence. Not sure anyone ever got rich fostering but everything is looked at very closely. You would need to disclose it so maybe an informal chat just now to see what they think will prevent a failed ap...
by plasticdaft
Thu Dec 27, 2018 9:35 am
Forum: Ask IVA Forum and Industry experts
Topic: Why has my house insurance gone up?
Replies: 3
Views: 7570

A certain company told us that we were more likely to make a fraudulent claim because of our insolvency.
They were told to bolt and we went elsewhere.

Dont want to name them...........



But they were nfu mutual!!!


Paul
by plasticdaft
Thu Dec 27, 2018 9:29 am
Forum: Ask IVA Forum and Industry experts
Topic: Apprehensive about an IVA
Replies: 7
Views: 6766

Seem to remember any time we saved up something went wrong and boom went the savings. Wise to be apprehensive about entering an IVA, it's a massive decision to make and isnt for everyone. Good that you are asking questions before deciding, so many people only ask question after they have committed t...
by plasticdaft
Thu Dec 27, 2018 9:24 am
Forum: Ask IVA Forum and Industry experts
Topic: Getting credit after an IVA
Replies: 4
Views: 6712

I don't think I have credit with any past creditor (bit difficult to remember who is alied to who these days), but I have had no problems getting modest credit from several companies since my credit files cleared. Thanks for the answer Foggy. I think I was specifically interested in AMEX, I found t...
by plasticdaft
Sun Dec 16, 2018 5:14 pm
Forum: Ask IVA Forum and Industry experts
Topic: Iva accepted yesterday!
Replies: 8
Views: 8096

Wont be an easy journey,its not meant to be. Nor is it meant to punish.

Good luck on the rollercoaster to debt freedom.

Paul
by plasticdaft
Sun Dec 09, 2018 5:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is this a scam?
Replies: 6
Views: 8767

So many scams going round.

As mentioned if it seems too good to be true its probably a scam.

Paul
by plasticdaft
Sun Dec 09, 2018 5:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I cancel my iva due to ill health
Replies: 6
Views: 8492

Good afternoon, I have only 3 more payment left on my IVA but I was made redundant at the end of August and since have been ill .I have a skin problems which I have been to my doctor and hospital.I am unable to walk far and the job centre has let me have phone interview with them instead of me tryi...
by plasticdaft
Sun Dec 09, 2018 5:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Received inheritance
Replies: 5
Views: 8574

As mentioned people need to always remember that they owe the full amount of their debts right up to the end of the iva. Only then is any portion written off.

Inheritances often bring up the same issues during an iva.

Paul
by plasticdaft
Sat Sep 15, 2018 9:11 am
Forum: Ask IVA Forum and Industry experts
Topic: Starting an iva but I am worried
Replies: 4
Views: 5700

You are allowed to be worried as its a massive decision that shouldnt be taken on lightly. What you shouldnt be is worried that its the wrong choice for your circumstances. You should also have a good understanding of whats going on. Thats where this place comes into its own!! Dont think there is an...
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