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by plasticdaft
Sun Oct 04, 2020 9:55 am
Forum: Ask IVA Forum and Industry experts
Topic: Just received:
Replies: 5
Views: 3944

Pretty poor from Jarvis. This is when I feel for people who take time to choose the RIGHT company for them and then get thrown to another firm they know nothing about!!
by plasticdaft
Wed Aug 26, 2020 6:32 am
Forum: Ask IVA Forum and Industry experts
Topic: Ebay & amazon
Replies: 5
Views: 2099

Saving where possible should be encouraged(its not always possible). Hope she enjoys the trainers!!

Paul
by plasticdaft
Wed Aug 19, 2020 10:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: Advised to lie on IVA application
Replies: 12
Views: 2335

Run a mile from whoever is ill advising you.

Take advice from another firm.

Any firm willing to lie to creditors to get things started is well worth avoiding!!
by plasticdaft
Sat Aug 08, 2020 8:24 pm
Forum: Ask IVA Forum and Industry experts
Topic: Aaaaaand I'm done :)
Replies: 3
Views: 2455

Its certainly a reminder that an IVA shouldnt be entered into without doing your homework. Choice of firms can make a huge difference to the running of your IVA for a 5/6 year period, make sure you are happy before you sign up. It is no silver bullet, but is a tool which under the right circumstance...
by plasticdaft
Sat Aug 08, 2020 8:19 pm
Forum: Ask IVA Forum and Industry experts
Topic: General advice on % for a F&F?
Replies: 2
Views: 2197

Unless circumstances dictate otherwise it has to be worthwhile for creditors. As foggy says a figure close to what they could expect is the starting point.

Paul
by plasticdaft
Wed Jul 22, 2020 12:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: Inheritance during 6th year
Replies: 4
Views: 2619

Is an inheritance a realistic possibility??
by plasticdaft
Tue Jul 21, 2020 5:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Settlement question
Replies: 6
Views: 1778

How had you worked out what to offer peanut??
by plasticdaft
Thu Jul 16, 2020 11:07 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is my car safe?
Replies: 4
Views: 2830

Pretty sure your car will be safe.


Paul
by plasticdaft
Thu Jun 04, 2020 5:49 pm
Forum: Ask IVA Forum and Industry experts
Topic: Half way
Replies: 5
Views: 2866

I still write all the incomings and outgoings in an A4 book, to be fair I did it before my trust deed(scottish iva) but back then it was littered was lies of what was getting paid. Robbing peter to pay paul, paying xxx to credit card no6 so we could then use it for groceries or fuel. 30 months time ...
by plasticdaft
Tue Apr 28, 2020 10:23 am
Forum: Ask IVA Forum and Industry experts
Topic: FINAL PAYMENT
Replies: 4
Views: 2380

Well done on making it to the other side!!! No easy task at times.
by plasticdaft
Tue Apr 28, 2020 10:21 am
Forum: Ask IVA Forum and Industry experts
Topic: Final Settlement Meeting TODAY!
Replies: 11
Views: 3066

Good luck with the new offer.
by plasticdaft
Sun Apr 26, 2020 8:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: Keyworkers / overtime
Replies: 5
Views: 3071

I've a feeling this will vary across the industry.
by plasticdaft
Sun Apr 26, 2020 8:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I buy chainlink?
Replies: 2
Views: 2806

Thought this was to buy some medieval armour!!

Every day is a schoolday!!
by plasticdaft
Sun Dec 08, 2019 6:38 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will past iva affect new job offer?
Replies: 5
Views: 3056

Does the new potential employer have an HR dept you could have an informal chat with? The iva may not be an issue, it may not even need to be mentioned.

Good luck.

Paul
by plasticdaft
Sun Dec 01, 2019 9:09 pm
Forum: Ask IVA Forum and Industry experts
Topic: Being asked to lie
Replies: 16
Views: 4759

I went to my local citizens advice bureau to get info on trust deeds.

They put me in touch with a couple of firms.

Paul
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