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by ian32
Wed Nov 14, 2018 12:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can a creditor claim a payment during an IVA?
Replies: 8
Views: 7335
I would suggest it is harassment by them, if it continues tell them you will take legal action.
by ian32
Wed Nov 14, 2018 12:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: Why are Barclays still contacting me?
Replies: 8
Views: 6873
If the letters persist after you've told them that the IVA has concluded inform them you will be making a complaint of harassment to the police.
by ian32
Wed Oct 10, 2018 11:04 am
Forum: Ask IVA Forum and Industry experts
Topic: Full and final offer
Replies: 2
Views: 6477
I will be 3 years into my IVA soon. I will owe £14,544 in the remaining 24 months. A family member has offered me 12000 to make a full and final offer to settle the IVA..Will £12000 be accepted by my creditors. I have paid approx an extra £100 a month in overtime payments on top.

by ian32
Tue Dec 16, 2008 9:03 pm
Forum: full and final settlements
Topic: F & F
Replies: 11
Views: 1665
I SUPPOSE ALL I/P'S ARE DIFFERENT, IN MY CASE I JUST NEEDED A LETTER TO CONFIRMING THE FUNDS WERE AVAILABLE. WITH REGARDS TO YOUR CASE I FEEL A 41 P OFFER IS A GOOD ONE AND SHOULD BE ACCEPTED AS IT IS THE SAME AS YOUR ORIGINAL DIVIDEND. COMPANIES ARE EAGER TO GET THEIR HANDS ON THE MONEY AS QUICKLY ...

by ian32
Tue Dec 16, 2008 8:52 pm
Forum: full and final settlements
Topic: F & F
Replies: 11
Views: 1665
You don't need to send the money until the offer has been accepted. Also when you say your I/P has agreed to the 6k, it's not for them to agree, they are there to help and advise you, it's up to you how much money you want to put forward.

by ian32
Wed Nov 05, 2008 12:07 am
Forum: IVA completed !!
Topic: offer accepted
Replies: 21
Views: 5796
SILLY ME. MY FINGERS ARE STICKING TO THOSE ZERO'S!!

by ian32
Wed Nov 05, 2008 12:02 am
Forum: IVA completed !!
Topic: CCJ
Replies: 1
Views: 1338
I have just completed my IVA with a F&F offer accepted. My thoughts now are to improve my credit rating. I am aware the IVA is on my file for 6 years from the start date however I also have a CCJ on my file that was put on just before I started my IVA. The CCJ was however included in my IVA which ha...

by ian32
Tue Nov 04, 2008 11:55 pm
Forum: IVA completed !!
Topic: offer accepted
Replies: 21
Views: 5796
SORRY FOR THE LATE REPLY. IF I CONTINUED WITH MY MONTHLY PAYMENTS UNTIL THE END OF MY IVA I WOULD HAVE PAID £14980. I ASKED MY IP FOR A FIGURE BASED ON THE ORIGINAL DIVIDEND OFFERED. MY IP GOT BACK TO ME THE NEXT DAY STATING AN OFFER OF £13000 WOULD GIVE MY CREEDITORS THE ORIGINAL DIVIDEND OFFERED. ...

by ian32
Thu Oct 23, 2008 8:41 pm
Forum: full and final settlements
Topic: About to make Full and Final offer
Replies: 14
Views: 1693
HI I'M NO EXPERT BUT I HAVE JUST HAD A FULL AND FINAL OFFER ACCEPTED. TO PAY BACK MY ORIGINAL DIVIDEND I WOULD HAVE HAD TO OFFER 13,000. IF I CONTINUED WITH MY £572 MONTHLY REPAYMENTS I WOULD HAVE REPAYED 14,900 AS I WOULD HAVE BEEN CHARGED THE SUPERVISOR FEES FOR THE REMAINING 2 YEARS OF MY IVA. AN...

by ian32
Thu Oct 16, 2008 9:43 pm
Forum: IVA completed !!
Topic: offer accepted
Replies: 21
Views: 5796
APOLOGIES THE TOTAL DEBT SHOULD STATE 39,0000 NOT 390000. I WOULD HAVE HAD TO GO SOME TO GET MYSELF IN DEBT BY 390000!!

by ian32
Thu Oct 16, 2008 9:28 pm
Forum: IVA completed !!
Topic: offer accepted
Replies: 21
Views: 5796
I HAVE JUST HAD A FULL AND FINAL OFFER ACCEPTED! I HAVE BEEN PAYING £572 INTO MY IVA FOR NEARLY 3 YEARS.(26 PAYMENTS LEFT) ORIGINAL DEBT OF £390000. I OWED £14890 WHEN I OFFERED £10000 IN F&F OFFER. RESULT BACK TODAY AND HAS BEEN ACCEPTED! FAMILY MEMBER HAS LENT ME £10000 AND I AM PAYING THEM BACK A...

by ian32
Wed Sep 03, 2008 5:05 pm
Forum: full and final settlements
Topic: Settlement offer
Replies: 1
Views: 995
Hello all. I have just asked for my IP for a final settlement figure for my IVA. I have had an email back today stating that based on the original dividend offered a £13000 offer would be mean my creditors would get back the same amount as if the IVA ran to its conclusion. I understand it is my deci...

by ian32
Tue Sep 02, 2008 10:47 pm
Forum: full and final settlements
Topic: IVA SETTLEMENT
Replies: 6
Views: 1545
Not reduced my debt?? I was paying around £1000 a month before the IVA and about half of it was interest on credit cards

by ian32
Tue Aug 26, 2008 7:09 pm
Forum: postings for august
Topic: Lots of questions i need answers to please
Replies: 13
Views: 1216
HI ALL, IT STATES IN MY IVA THAT I AM NOT TO OBTAIN MORE THAN £500 OF CREDIT. I AM CURRENTLY WITH BARCLAYS NORMAL DEBIT ACCOUNT WITH DEBIT CARD / CHEQUE GUARANTEE OF 100 AND A 250 OVERDRAFT LIMIT.I PROBABLY ONLY HAVE THIS AS I HAD IT BEFORE I STARTED MY IVA BUT I DID NOT USE IT AS MY MAIN BANK ACCOU...

by ian32
Mon Aug 25, 2008 4:42 pm
Forum: postings for august
Topic: Lots of questions i need answers to please
Replies: 13
Views: 1216
A few further answers.... An IVA is a lawfull way to discharge debt, entering into a IVA will not effect your job ie police officer etc, you are not obliged to inform them. I have been in a IVA for 3 years, there is no clause in my terms which state I have to pay half of any overtime. Overtime is su...
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Search found 17 matches Page 1 of 2