Search found 9509 matches

Search found 9509 matches Page 1 of 634
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: 5573
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...
by plasticdaft
Sat Sep 15, 2018 9:04 am
Forum: Ask IVA Forum and Industry experts
Topic: Managing money
Replies: 13
Views: 5913
It gets easier over time. Try if possible to save up a little emergency kitty (not always possible).

The envelopes idea is great if you can control the urge to borrow from them if you are short one month!

Best of luck.

Paul
by plasticdaft
Fri Aug 24, 2018 7:20 pm
Forum: Ask IVA Forum and Industry experts
Topic: Salary increase
Replies: 3
Views: 5044
Well done on the pay rise.

Not had a meaningful one in over a decade!!
by plasticdaft
Fri Jul 13, 2018 7:20 pm
Forum: Ask IVA Forum and Industry experts
Topic: Leaving the armed forces
Replies: 4
Views: 5193
This should have been discussed before starting the iva. Pity.

Paul
by plasticdaft
Sun Jul 01, 2018 3:30 pm
Forum: Ask IVA Forum and Industry experts
Topic: Completion certificate copy?
Replies: 2
Views: 5254
Given the number of firms which get sold on I can imagine it not being as easy as a quick phone call in some cases.

Paul
by plasticdaft
Sun Jul 01, 2018 3:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Finished my iva - do I need to contribute to my husbands?
Replies: 7
Views: 5346
I would ask them to review what you have as available income and make sure your figures left little spare!!! Bit of a scam that you have to pay half of what your payment was, clearly you wouldnt have had to if hubbys creditors didnt insist on 7 years. Did you expect this from the start, was it expla...
by plasticdaft
Sun Jul 01, 2018 3:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Why are Aperture emailing me now?
Replies: 4
Views: 5297
Sounds like they are struggling to keep up with the increase in cases. I assume you mean they cannot read the photos? Are they asking you to resubmit them?

Paul
by plasticdaft
Sun Jul 01, 2018 9:38 am
Forum: Ask IVA Forum and Industry experts
Topic: Now my disposable income has increased .....
Replies: 3
Views: 5724
Given the change in circumstances a complete review makes sense.

Paul
by plasticdaft
Sun Jul 01, 2018 9:34 am
Forum: Ask IVA Forum and Industry experts
Topic: Nearly done
Replies: 7
Views: 5274
Well done. Its never an easy process to go through, budgeting for a 5 year period can be a struggle as life throws things at you.

As for learning lessons throughout you arent wrong.

Paul
by plasticdaft
Tue Jun 19, 2018 4:41 pm
Forum: Ask IVA Forum and Industry experts
Topic: Aperture never ending nightmare!
Replies: 7
Views: 6170
Unfortunately customer service is something many firms struggle with, often because they have you over a barrel and you feel unable to complain.

Whilst you should have been aware of your requirements, there is no excuse for the lack of contact from aperture.

Paul
by plasticdaft
Mon Apr 16, 2018 7:36 am
Forum: Ask IVA Forum and Industry experts
Topic: I never had an IVA still my name is in insolvency register, please advice.
Replies: 6
Views: 4794
There is a list of data controllers on the ico website if you need contact details.

Good luck.

Paul
by plasticdaft
Mon Apr 16, 2018 7:33 am
Forum: Ask IVA Forum and Industry experts
Topic: Will a guarantor be chased if I do IVA?
Replies: 5
Views: 4564
karen959 wrote:
will my mum be chased for money if I went through iva as she was my guarantor?

Unfortunately yes.


Paul
by plasticdaft
Mon Apr 09, 2018 9:05 am
Forum: Ask IVA Forum and Industry experts
Topic: Yesterday I received a ‘Notice of Breach’ from Aperture
Replies: 4
Views: 5001
Have the creditors taken any action since you stopped paying the iva?
by plasticdaft
Mon Apr 09, 2018 9:03 am
Forum: Ask IVA Forum and Industry experts
Topic: Driving lessons
Replies: 3
Views: 4703
Arnold clark hire dual control cars which would be cheaper if you had someone to teach you.

Why not see how much you could save over 6 months then treat yourself to a lesson or 2.

Life shouldn't stop just because of an iva(albeit lack of funds can restrict you somewhat).

Paul
by plasticdaft
Mon Apr 09, 2018 8:58 am
Forum: Ask IVA Forum and Industry experts
Topic: I was not provided the right advice by Payplan
Replies: 9
Views: 4991
Its been running fine for 5 years, why are you doubting the advice given now??

Why is your job at risk??

Paul
Search found 9509 matches Page 1 of 634