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by MelanieGiles
Sun Jul 27, 2014 9:45 pm
Forum: Ask IVA Forum and Industry experts
Topic: 12 months in lieu of Equity a question
Replies: 14
Views: 5671

Let's hope you can put this IVA firmly behind you very soon, country girl. It has been a very rocky road for you.
by MelanieGiles
Sun Jul 27, 2014 9:45 pm
Forum: Ask IVA Forum and Industry experts
Topic: Would I have to declare ISA savings to an IVA ? My DMP company went into receivership.
Replies: 5
Views: 2244

Hi Patrice and welcome to the forum Are you saying that for the full 5 years you were paying into a DMP no money was actually paid to your creditors? If so, that is absolutely shocking - which firm were you using? I am afraid that if you are now going to propose an IVA, that you will have to declare...
by MelanieGiles
Sun Jul 27, 2014 9:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hi Melanie, have you received my emails?
Replies: 4
Views: 1840

Hi there Yes I have received one e-mail from you, but was poorly last week so am only just catching up. I will look at this for you, but I cannot really intervene in a dispute you may have with your IP, as I don't know the full facts of your case, and it is not really the done thing for one IP to ad...
by MelanieGiles
Sun Jul 27, 2014 9:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: Told I need to start a new IVA by GT although I have made 5 years of payments.
Replies: 45
Views: 12987

Any time in the evenings is fine with me Craig. Just let me know when you are available.
by MelanieGiles
Sun Jul 27, 2014 8:12 pm
Forum: Ask IVA Forum and Industry experts
Topic: How long does it take to get your completion certificate ? Last payment made December 2013
Replies: 7
Views: 2204

IVA cases should be closed within two months of the final anniversary, unless there are specific reasons why this cannot happen - PPI adjustments being one of them. A Certificate of Completion in its own right is largely meaningless - apart from perhaps indicating to you that the IVA has been finali...
by MelanieGiles
Sun Jul 27, 2014 8:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: Am I better off with a charity or a debt management company ?
Replies: 3
Views: 3939

I stand to be corrected, but there is only one debt charity who do IVAs, and that is StepChange, and I understand that these are done in a separate company to the charity as they charge the same level of fees as the rest of us. There are many charities who will put together a DMP in the so called "f...
by MelanieGiles
Sun Jul 27, 2014 8:03 pm
Forum: Ask IVA Forum and Industry experts
Topic: Dad has received exemplary advice and service from PJG. F&F accepted. Thank you so much
Replies: 6
Views: 2994

Thank you so much for taking time to post, nbsa, and of course we are all delighted with the result for Dad.

I'm really grateful that you singled out the people who worked on your case, as of course we are a close-knit team. Nothing gives me more pleasure to see us succeed, where others have failed!
by MelanieGiles
Sun Jul 27, 2014 8:01 pm
Forum: IVA approved!
Topic: Waiting creditors meeting.
Replies: 41
Views: 226182

Which debt management company were you with, Chelsea, and did they recommend Grant Thornton to you, or did you do your own research to find the right firm?
by MelanieGiles
Sun Jul 27, 2014 7:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: i want to sell my house and buy another but worried that IVA will want proceeds of sale
Replies: 3
Views: 2823

Your IP will need to understand the need for the sale and purchase, and be assured that creditors will not be prejudiced by this. Why do you want to sell your current property, Ali?
by MelanieGiles
Sun Jul 27, 2014 7:58 pm
Forum: Ask IVA Forum and Industry experts
Topic: When will My IVA end tired of all the drama
Replies: 9
Views: 7262

I doubt that your IP would be happy to know one of their staff is saying that you probably chose the wrong solution - especially if they are licenced by the FCA! If this IVA gets failed for the reasons you have stated, I will eat my insolvency licence - however taking tongue out of cheek you need to...
by MelanieGiles
Sun Jul 27, 2014 7:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: We have a joint mortgage. If partners IVA fails and mine is up to date, what happens to house ?
Replies: 14
Views: 2332

The it does not seem that your IVAs are interlocking - not that that make any difference to your question and my answer, however!
by MelanieGiles
Sun Jul 27, 2014 6:41 pm
Forum: Ask IVA Forum and Industry experts
Topic: Advice about how to go about a full and final settlement much appreciated.
Replies: 2
Views: 2809

You should not be open to the loss of any windfalls once you have had a full and final offer accepted by creditors, but do make sure the wording of your offer reflects this point.
by MelanieGiles
Sun Jul 27, 2014 6:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: F&F october 2013, waiting for certificate. Are GT holding the money ? Creditor says nothing paid.
Replies: 2
Views: 2579

It is usual in a full and final based IVA to distribute the monies when you are ready to close the case - but if your IVA was completed in October 2013 I am rather surprised this is all taking so long. Have they given you any idea what is causing the delay?
by MelanieGiles
Sun Jul 27, 2014 6:38 pm
Forum: Ask IVA Forum and Industry experts
Topic: When selling a house do I have to pay the full amount of the IVA back ?
Replies: 1
Views: 1492

Hi Alison and sorry it has taken us so long to get back to you.

It really does depend upon the terms of your IVA, and the reasons behind you wanting to sell your old property and purchase a new one. Can you give us a little more information about what you want to do please.
by MelanieGiles
Sun Jul 27, 2014 5:36 pm
Forum: Ask IVA Forum and Industry experts
Topic: M&S
Replies: 10
Views: 7476

I guess it is up to the individual lenders to set their own policies, and if they want to lose out on additional business then that is up to them.
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