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by plasticdaft
Thu Oct 17, 2019 10:56 am
Forum: Ask IVA Forum and Industry experts
Topic: Bank markers
Replies: 4
Views: 2224

Shop around. Its their loss given you have clearly kept your mortgage payments up throughout!!

Paul
by plasticdaft
Tue Oct 01, 2019 7:34 pm
Forum: Ask IVA Forum and Industry experts
Topic: Review
Replies: 12
Views: 6780

Always a stressful time is review time!!!

Paul
by plasticdaft
Tue Oct 01, 2019 7:32 pm
Forum: Ask IVA Forum and Industry experts
Topic: Pet insurance
Replies: 6
Views: 1783

Just got Oscars renewal through and its up to £59 an month(3 year old lab, no claims).

Thats more than both cars and the home and contents insurance added together!!!

Petplan taking advantage as I really dont want to shop around, yet I do with all other insurances!

Paul
by plasticdaft
Sat Aug 17, 2019 12:19 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can Insolvency Practitioner access ISA savings that was opened after IVA begun
Replies: 8
Views: 2106

Modest savings or emergency kitties are one thing but substantial amounts will always be at risk!!

Paul
by plasticdaft
Sat Aug 17, 2019 12:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: Improving credit score post IVA
Replies: 5
Views: 1283

We got rid of our vanquis cards after about a year of clear credit file and it had done its job.

Very good method of boosting your score.

Paul
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: 2342

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: 2147

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: 2458

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: 6
Views: 4143

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: 1330

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: 1435

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: 8061

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: 7615

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: 6835

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: 6766

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...
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