Search found 1304 matches

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Search found 1304 matches Page 1 of 87
by mole
Wed Sep 05, 2018 5:34 pm
Forum: Ask IVA Forum and Industry experts
Topic: Unhappy and confused with my iva
Replies: 5
Views: 5884
You do not say how much debt you were in or how much your house is worth. But surely if you had no mortgage, you would have been far better off, releasing some equity to pay of your debt and completely avoided the painful years of an insolvency. If your debt was huge and over 5 years you will not ha...
by mole
Tue Aug 07, 2018 5:39 pm
Forum: Ask IVA Forum and Industry experts
Topic: Interest Rates gone up
Replies: 3
Views: 4737
Thank you I will let her know. Perhaps not an issue at present but could be if rates continue to rise (who knows if they will !)
by mole
Tue Aug 07, 2018 5:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Interest Rates gone up
Replies: 3
Views: 4737
Friend is in an IVA, and just had a letter that says her Mortgage payments are going up following last weeks interest rate rise. They went up a few months ago and the provider allowed a 10% deduction in payments. I don't think they will allow this again. I am sure there must be 1000s affected by thi...

by mole
Tue Nov 01, 2016 10:58 am
Forum: Ask IVA Forum and Industry experts
Topic: First appointment
Replies: 13
Views: 2093
Hi Natashad3368, I felt just like you when I faced up to my debt problems. I just wanted a solution in place asap. Can I recommend you give Micheal Peoples a call. He is a long standing, well respected expert on this forum. He will give you professional, impartial advice and hopefully put you on the...

by mole
Tue Mar 22, 2016 6:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: Cleardebt owe me money!
Replies: 14
Views: 4783
I completed my IVA with Cleardebt last year (to be fair they were fantastic all the way through). However, after completed my final payment, before getting my completion certificate, I had to agree them reclaiming money for a packaged bank account I had years ago. I had no problem with this and inde...

by mole
Sat Jan 09, 2016 12:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: When is the Green vs Wright going to the appeal court ?,
Replies: 25
Views: 10894
Michael, why is James Green taking this action. Is it just for his personal gain.

If the creditors have an issue with the ruling surely they should take up the argument?

Or are the creditors funding this action on his behalf?

by mole
Tue Nov 24, 2015 9:45 am
Forum: Ask IVA Forum and Industry experts
Topic: Advise would be welcomed on using credit cards after completion certificate received.
Replies: 6
Views: 2505
I understand Lisa's caution but I think they are really useful for emergencies (unless you have savings). They also ease paying for hotels and car hire.

Plus the additional insurance you get when buying large items on CCs

by mole
Sun Nov 22, 2015 11:03 am
Forum: Ask IVA Forum and Industry experts
Topic: Advise would be welcomed on using credit cards after completion certificate received.
Replies: 6
Views: 2505
If the IVA is still on your credit report (albeit paid off), you will be looking at subprime like aqua or vanquis. There have been some decent reports about them on here. If your credit file is clear (over six yearss since IVA start), I would apply for a mainstream card immediately. I was given Visa...

by mole
Mon Oct 26, 2015 4:14 pm
Forum: Ask IVA Forum and Industry experts
Topic: Reclaiming PBA
Replies: 5
Views: 1759
Sorry Michael, I didn't mean an extension of the IVA itself, just the ongoing obligation and claim pursuit.

by mole
Mon Oct 26, 2015 2:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Reclaiming PBA
Replies: 5
Views: 1759
I completed by IVA earlier this year. Although PPI was resolved during the term, around the time of the last payment my IP said they must explore if they can realise any funds through the mis-selling of a packaged bank account. I agreed to this and the claims company appointed interviewed me, sent m...

by mole
Mon Sep 14, 2015 8:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is there anyway we can appeal Cleardebts decision to refer us to GF for secured borrowing ?
Replies: 99
Views: 15247
I would also ask them to clarify why the 2014 IVA protocol brought in a clause to allow the introduction of Secured Loans (in lieu of equity), if the 2009 and 2010 IVA protocols already contained provision for this (as they are arguing)

by mole
Mon Sep 14, 2015 8:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is there anyway we can appeal Cleardebts decision to refer us to GF for secured borrowing ?
Replies: 99
Views: 15247
Hi Jean, I was with CD albeit my arrangement was from 2009. In my agreement it clearly stated an option of 12 months additional payments in lieu of equity, there was no need to go back to creditors.

by mole
Sun Sep 13, 2015 8:35 pm
Forum: Ask IVA Forum and Industry experts
Topic: Possible 2nd IVA or Bankruptcy ?
Replies: 15
Views: 3496
Are you 55 or approaching that age. Never great to dip into pensions but if you have a decent pot (and can access it without paying tax, it could get you out of a pickle.

by mole
Mon Sep 07, 2015 9:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage
Replies: 6
Views: 2052
Kevwillo, if you have a totally clean credit file, there is no reason yo cannot try a mainstream leader straight away. With a clean CF, your salary and deposit will have more bearing on the outcome.

by mole
Mon Sep 07, 2015 9:17 pm
Forum: Ask IVA Forum and Industry experts
Topic: Virgin media contract
Replies: 14
Views: 2065
And have watched every boxed set out there :))
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Search found 1304 matches Page 1 of 87