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by Chappie
Thu Apr 18, 2019 8:30 pm
Forum: Ask IVA Forum and Industry experts
Topic: Max recovery
Replies: 7
Views: 1311

Thanks Foggy

So will I keep getting these for years to come?? Can I get them stopped? They are dated April 2019, 6 months after the completion of my IVA they won't be chasing me for money will they? Thought this was all sorted with being in an iva.
by Chappie
Thu Apr 18, 2019 7:57 pm
Forum: Ask IVA Forum and Industry experts
Topic: Max recovery
Replies: 7
Views: 1311

Hi All
I have received through the post today 4 envelopes from Max recovery. Listing my creditors and balances outstanding.. Should I be getting these now, as my iva has completed and certificate issued?
Many thanks
by Chappie
Thu Apr 18, 2019 7:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: 7 Long Years Later!!!
Replies: 9
Views: 2000

Congratulations,

I completed mine after 11 long years. The relief is immense.

Good luck for your debt free future
by Chappie
Sat Apr 13, 2019 10:25 am
Forum: Ask IVA Forum and Industry experts
Topic: Financial mis selling in an iva
Replies: 3
Views: 1233

Thanks Foggy

Just bothers me that that they sent the letter as if I was still in the iva and bound by its terms.. I haven't got an issue with the payments going to my completed iva as long as I know where the money is going and that I am not liable for any charges.

Thanks
by Chappie
Sat Apr 13, 2019 10:02 am
Forum: Ask IVA Forum and Industry experts
Topic: Financial mis selling in an iva
Replies: 3
Views: 1233

Morning All Just received a letter and booklet from aperture about mis selling in an iva. I have been asked to complete a questionnaire which lists all my creditors. I had a substantial amount paid into my iva when it was with dfd. My completion certificate was received in January.. At what point do...
by Chappie
Tue Mar 26, 2019 7:33 am
Forum: Ask IVA Forum and Industry experts
Topic: How long after an iva finishes can you keep ppi claims. Or windfalls
Replies: 6
Views: 1363

Hey can I ask why did your iva last 11 years? Hi Various issues, redundancy twice, relationship break up.. Payment breaks..change of Iva companies. In hind sight. I would have gone bankrupt. It wouldn't have lasted so long.. But I wanted to keep my home, but lost it anyway.. Not because of the iva ...
by Chappie
Mon Mar 25, 2019 9:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: How long after an iva finishes can you keep ppi claims. Or windfalls
Replies: 6
Views: 1363

Thanks Foggy.

Would I get a letter from my ex supervisor. To let me know where the money has been distributed.. Do they have to let me know. This will affect the final dividend wouldn't it.? Would the final report need amending?
by Chappie
Mon Mar 25, 2019 6:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: How long after an iva finishes can you keep ppi claims. Or windfalls
Replies: 6
Views: 1363

Hi All. How long after your iva closes do you get to keep ppi claims and other windfalls.. Is there a cut off period? When do things start returning to normal after an iva? I know it's 6 years after the start of your iva for credit rating to improve. As you know I was in an iva 11 years finally comp...
by Chappie
Sun Feb 17, 2019 2:41 pm
Forum: Frugal Friends Map
Topic: Credit report
Replies: 5
Views: 6918

Thanks Foggy.

As I thought, waited this long. So guess another year isn't going to matter. :D
by Chappie
Sun Feb 17, 2019 2:10 pm
Forum: Frugal Friends Map
Topic: Credit report
Replies: 5
Views: 6918

The default date is Sept 2014.it was only added to my iva in 2016. Will they change the default date, It will drop off next year. When the 6 years is up. So will I have to wait till then.

Thanks
by Chappie
Sun Feb 17, 2019 12:58 pm
Forum: Frugal Friends Map
Topic: Credit report
Replies: 5
Views: 6918

Hi Checked my credit report this morning. My insolvency has dropped off the report. My secured loan that became part of my iva has been marked partially satisfied with a 0 balance. But noticed that my credit rating number has gone even lower than when I had these on my report. Is there a reason for ...
by Chappie
Sat Feb 09, 2019 10:08 am
Forum: Ask IVA Forum and Industry experts
Topic: Completion certificate. Yay!!
Replies: 7
Views: 6305

Thanks everyone. I couldn't have done it without this forum. Keep up the great work xx
by Chappie
Fri Feb 08, 2019 9:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Completion certificate. Yay!!
Replies: 7
Views: 6305

Hi All. I am so happy. I have received my completion certificate today.. I just wanted to say thank you to everyone on this forum for your support, help and advice. It has been a long hard slog and at times I felt I was never going to get to the end. Especially when my original finish date was 2013,...
by Chappie
Wed Feb 06, 2019 4:07 pm
Forum: Ask IVA Forum and Industry experts
Topic: Iva closure
Replies: 3
Views: 5755

Hi Just a quick question please. I received an email from aperture on the 23rd January, congratulating me on the closure of my iva. The email stated that I would have my completion certificate in approx 10 working day. I have yet to receive it. Yesterday I received an email asking me to complete an ...
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