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Does anybody no from experience what swift insolvency require for the 12 monthly review,
My IP is steven cooke,
Many thanks Lee
by
Mxlee8
on 20/03/19
I am part of my childs PTA. occasionally I buy supplies for our events from supermarkets, etc and then they give me the money back with a cheque. i then have to put the cheque back into my bank account. it usually for small amounts that are between...
by
disneygal
on 20/03/19
Hi, Barclays will not allow me POA status on my mums account due to a Iva I have, can they refuse this as I have poa status? They say I have a mark on my name?
Many thanks
by
edward
on 20/03/19
In 2005 I took out a joint IVA with my ex partner. We both had individual debts totalling approx £2,000 each and a joint consolidated debt at £19,500. A creditors meeting was held and everything was agreed and signed by the end of sept 2005. We...
by
Minky17
on 20/03/19
First of all I no this has been asked so many times but just want everyone's opinion so I don't have false hope. ( Sorry for long message) Right here goes : IVA FIGURES : TOTAL DEBT : £8274 PAYMENTS: £92 x60 ( £5520 ) NO PROPERTY IMVOLVED I...
by
Mxlee8
on 20/03/19
Hi I'm with aperture last July they told me to stop my payments as I will be in my last year so had to remortgage from the beginning I told dfd the previous iva company that I couldn't remortgage they said that was OK I would have an extra year to...
by
wendyb
on 20/03/19
Hi me and my partner applied looked into an iva and got a call back by swift insolvency back in january and went through all the set up and details and documents and was told they would set up the creditor meeting on the 21st of Feb but then on the...
by
jason703
on 20/03/19
Hi, My wife and I have had our IVA approved but I have a quick question. On the list of creditors that are in included in agreement are all the companies we expected. However, four of them are not showing in the part where it says how each company...
by
Carra_Rud
on 19/03/19
Hello quick question I'm 1 payment into my iva, this time next year my parents are in about buying me a different car roughly 4 - 5k can my iva company do anything about this? ( Swift insolvency) I currently have a car worth 1000 on my iva, but it...
by
Mxlee8
on 19/03/19
I am considering the possibility of taking out an IVA. However, I am also five years into an Open University course which I have financed thus far by student loan. I am concerned whether I will still be able to apply for a further student loan for...
by
ed801
on 19/03/19
Please can some one help me. I am Portuguese National leaving in UK I have been approach by a company that had said they could help me with my debts and They worked with government , Next minute I was told even to lie by the company in order for me...
by
morais vasco
on 19/03/19
Hi I'm wanting some help or advice on what to do regarding our IVA. We started back in 2011 thinking this was a good idea but now thinking it is a total waste of time. We have been in contact with the company right the way throughout sending in...
by
sophie503
on 19/03/19
I had paid my debt in full thru solicitors but my name is not removed
From bankrupcy and insolvenvey
by
jayshree
on 19/03/19
I am due for annual review on my iva, my partner’s not been sharing with the expenses ( we are not in good terms)and I am left to pay for mostly all of it. I am not sure what to write on the partner’s income because of this. If I put his income,...
by
edha
on 19/03/19
Well a very very very good morning to you all. This is just to update you all that my F&F has been accepted (a couple of days earlier than expected meeting date) - and I honestly am so incredibly grateful for all your support and advice as I will be...
by
katieweeks1
on 19/03/19
So we were told by the IP that my husbands self assessment for 2017-2018 was to be paid direct to HMRC. Now we have had a letter from HMRC saying that they are sending us it all back including the on account payment that we made at the end of Jan! ...
by
Coline81
on 19/03/19
Can i do an iva if i have no fixed abourd?
by
michael730
on 19/03/19
I have an IVA and one of my creditors covered in my IVA has sold my debt on to a Debt Recovery Agency who today sent me a letter informing me that they will be contacting me in the next 7 days to arrange payments. I sent them an email informing them...
by
Capocrimine
on 18/03/19
I have a catalogue account open but not included within my Iva would I be able to use it while I’m in my Iva?
by
vicki635
on 18/03/19
I am starting a Paraplanner Apprenticeship and I have to join the CII. One of the questions is about whether I have been bankrupt or had an IVA. I had a IVA from 2008 to 2013 and all completed successfully. The CII helpdesk say it shouldn't create a...
by
fallen45
on 18/03/19
On Saturday 16th I received a letter (apparently) from Aperture (dated 8th March). It appears to be from them but the letter is not on their colour letterhead. It tells me that I urgently need to change the bank account that I pay my monthly IVA...
by
Stevedgn68
on 18/03/19
I started my IVA on 17/04/12. I finishing paying my creditors in 2018 but for the past year I have been paying off additional earnings and my final payment to the IVA was on Friday 15th March. Myself and my partner are looking around at mortgage...
by
neil369
on 18/03/19
I’ve spoken to my IVA company again today about my full and final offer and once again told that it’s being written. Iv said to them I’ve read the protocol and a variation meeting should be set within 21 days of them receiving my request which...
by
Pigger479
on 18/03/19
I have been given the opportunity to give my book away for free for anyone who has a Kindle - its called the insanity of gambling and its the story of how I made every excuse under the sun, my mind-set at the time and how I finally addressed the...
by
Radish
on 17/03/19
I cancelled my iva in 2008 due to a change of circumstance. I had no further correspondence with my advisor. I am now selling my property and there is a restriction on the registry. As I have been dealing with the debts myself can I request this be...
by
linda332
on 16/03/19
Can post a new topic in complaints but no where else!
by
luluj
on 16/03/19
My daughter is bringing her wedding forward due to her father being seriously ill. As I am in an IVA i am obviously unable to help her financially, however I do have a self employed pension plan which even though it hasn't been paid into since 1987...
by
Janice
on 16/03/19
have ballon payment coming up of 4000 and have iva would i be able to get finance to pay this off
by
monica136
on 16/03/19
our iva was completed after 2 years,and we were debt free after 6 years,we had Barclaycard on our debtors list when we took out the iva,now our iva has finished we have found that we had ppi on Barclaycard can we successfully get compensated without...
by
Christina.c
on 16/03/19
Hi, First Post, so be kind. My wife and I are in the process of going into an IVA. When we first started the process we were told to change account and setup direct debits etc. to the new account. My wife set the DD's and our pay to go into her...
by
Carra_Rud
on 15/03/19
Hi guys, Quick question re. Credit file. Does it need to state default for it to drop off after 6 years? All my creditors have updated correctly bar one (Creation Consumer Finance) who keeps it on late payment (despite 2 years almost gone) I...
by
Johng79
on 15/03/19
Just testing to see if as a moderator my new post will be seen by others - foggy please respond
by
luluj
on 15/03/19
I have completed my final IVA payment and would like closure as soon as possible to enable me to sell my property and repay the outstanding mortgage since the term ends in eight months. Aperture initially promised me closure by mid/end of March but...
by
maria275
on 15/03/19
:?
by
Janice
on 14/03/19
As you will have noticed the layout has been changed. Since then I have had numerous problems posting and reading posts as well as being plagued by "error" pages. I know a couple others are having similar issues, but Admin say all is working...
by
Foggy
on 14/03/19
Hi, I am in an iva and recently (after iva commencement) reconciled with my partner; Im just seeking clarification on my partners (not in iva) contribution towards my household expenses. Would it be the case that we factor in her salary and taxi...
by
Duke01
on 14/03/19
Hi there I'm a former iva person. Brent over for a few years now. I heard that the first company I spoke to has been shut down for bad reasons. I was put on to them by former iva person Andy davie who has seemed to have disappeared. I started off...
by
paul1971
on 14/03/19
Hi. I am currently in an IVA through Payplan. I have had numerous problems with them over the last 4.5 years I have been in it. I needed a new creditors meeting and it took 15 months for them to arrange (despite constant nagging. Then I got...
by
Doodles43
on 14/03/19
Yet another letter from Wilson tarquin! I'm loathe to phone in case I can't get rid of them!
Gone in the recycling bin!!
by
kallis3
on 14/03/19
Hi, I am currently in an IVA. At the moment going strong for a year. my Father will be giving me money to settle the IVA including a Deposit for a house. Both mum and dad will be giving me 20000 in total towards a deposit for a house. I am...
by
GhulamP
on 13/03/19
Hey guys, long story short i suffer from depression and tried to attempt suicide a couple of months back. I decided to get help and I had my IVA approved last week and the creditor meeting all voted in favour with a few minor corrections, but I need...
by
Daniel123
on 12/03/19
Hi spoken to my Iva company about my full and final today. I’ve asked how far along it is and if they had any idea when variation meeting would be .. was given the answer we don’t know yet. Now I completely understand they are busy but this is...
by
Pigger479
on 12/03/19
Been in an IVA for 9 months, made about £30k of contributions to date and suddenly lost my job, which was a very specialised position specific to that company. Any new job will be for far less money; to the point where contributions will be...
by
jame$bear
on 12/03/19
Hello my iva got approved on 5th Feb 2019, first payment 4th March.
Just checking my credit report on
Giff gaff
Noddle
Clearscore
Majority of creditors still say upto date.
Only capital one say late payment now?
Any advice cheers
Lee
by
Mxlee8
on 12/03/19
Hi i am 2 years into the IVA, i owe 14,500 still. My brother is willing to pay 10 grand to settle it, do you think this is a reasonable offer? Thanks
by
Guyfaulks
on 11/03/19
I finished my Iva 5yrs ago and con not find my certificate one of my creditors has started to contact me for more money do they have any legal rights
by
joan927
on 11/03/19
I have a few questions. I started my IVA in 2015 when we lived in the UK and at the time I had a car lease in place, which I needed to keep going for my job. I had a 3-year lease at the time, and the agreement was that I would have an extra year...
by
Addiepea48
on 11/03/19
My IVA was registered 27.12.12 and I settled it early, full and final settlement, in September 2014. My question is around how I obtain the "Notice of Full Implementation" and also when the IVA will "realistically" disappear from my credit report? ...
by
ryan231
on 10/03/19
Right, Not long started iva, 1 payment in.. My parents are hoping to help me out after my first year of payments to finish the iva 4 years early. First of all my debt level was not massive prior to an iva but long story short I've started one.. ...
by
Mxlee8
on 10/03/19
Why have I got to pay 100p to the pound in my Iva when there is government legislation to write off some of the debt
by
sandra811
on 10/03/19
I have previosuly had an IVA and i completed it with a full and final offwer. I sound this forum very helpful at the time so I was hoping someone could share some wisdom on my current situation. I owe HMRC over £20,000 for Self Assesment. I have...
by
peter583
on 10/03/19
my iva successfully concluded dec 2015 certificate issued but rbs have told me that they will still actively pursue me for debt that was included in the iva can they still chase me for payment also the bank used a payment due to myself not ppi to...
by
andrew348
on 10/03/19
Hi guys’ so I checked my credit score on ClearScore and my monthly update is about to come through. But I noticed it says their has been a credit/store card added to your account. Now I honestly have not taken out any credit at all. I know it’s...
by
MrBT96
on 09/03/19
Iva with swift insolvency Hello quick question guys, Currently in an iva just started ( approved 4th March 19) Now I have all my money for direct debits standing order ect in my bank account, but any other money's that are left I withdraw all...
by
Mxlee8
on 09/03/19
I have an IVA that began August 2013 .... it should of finished last August but I had missed some payments due to being out of work (4 payments) and they reduced my payment to a lower amount so I could afford it.... I’m a bit confused as they...
by
wendy887
on 09/03/19
Hi, I have received a letter from a company called Wilson Tarquin stating they are aware I was previously involved in an IVA and informing me that I may be due a refund .. This is very odd and I find suspicious as I didn't think I could claim...
by
heather859
on 09/03/19
Hi I'm with credit fix and I'm going to receive some inhertitance of the amount of around £35000will they keep every penny of this or will they allow me to keep some of it as I had a claim for average holiday pay and received £1400 and they let me...
by
Zippy6971
on 09/03/19
Hi, Someone I know who is in an IVA also has received a quite large compensation cheque. They are thinking of using a cheque cashing service or putting the money into an old savings account and not declaring I’ve told them that this is a TERRIBLE...
by
Pigger479
on 09/03/19
Hi, I’m in the process of discussing an Iva with a reputable company. I just wanted to seek some advice on tax credits overpayment. I have been overpaid around the figure of £1900 which isn’t my greatest debt amongst creditors. The situation...
by
Sara01
on 08/03/19
That's the headline at the top of this page. I just want to take that line by line for a second for anyone who thinks that this is your get out of jail free card: Write off 90% debts This is a lie. When you go into an IVA, NOTHING is written off. ...
by
JustPlainStupid
on 07/03/19
Hi My husband and I had a secured loan during my, still active, IVA. We received a letter today saying we are owed £1641.22 as we signed a loyalty eward certificate and adhered to all terms and condition. Freeman Jones have told me this is...
by
Allywally
on 07/03/19
I have a prebooked holiday that im paying off for monthly with less still to pay then ive already paid out, I had an IVA that failed with one company and have spent months trying to get it re established with another, Im assuming the creditors will...
by
gemma783
on 06/03/19
I am looking at applying for a Transport Managers CPC.
However i am currently in an IVA.
Will this be possible as it will not be my fleet of vehicles but the company i work for.
by
neil226
on 06/03/19
Hi, I entered into an IVA back in 2007 and after a year and a half of paying was made redundant. A few months after that the insolvency practitioner closed/liquidated and my debts were sent back to my creditors and I’ve been paying them directly...
by
Louisa
on 06/03/19
Wow been waiting over 2 months now for my iva annual review and whats happening with it but now the companies i owe money to are getting intouch and letting me see what i owe and its not changed at all! The balance is the same! Ive paid in 2000 in a...
by
toni511
on 06/03/19
So, I receive an email last week stating that they have added an additional creditor for the value of 4067.19 from Max Recovery Ltd. I don't have any other creditors. So I looked through any paperwork I had from creditors and I had notification from...
by
mel865
on 06/03/19
Hello, my Aperture IVA is due to be completed may 2019. I'm worried because they sent me an email saying I will have to release equity from the house or pay another year on the IVA. I've already been paying it since 2011, can they keep putting the...
by
Davyboy3006
on 05/03/19
We finished are IVA in Sept 2018. And we r still waiting forare certificate. 6 month on. I have just spoke to someone on the iva team and thay said we my have to remortgage. How is this when we have finished paying them. Thay said that would contact...
by
jacqueline138
on 05/03/19
hi I have a iva with creditfix, and they told I had £85 spare every month, I don't seem to have that anymore, as bills have increased. they have no told me they are looking at notice of breach if I don't pay. I find really hard to get by as on...
by
dave309
on 05/03/19
I'm just wondering do you have to change bank accounts eith an iva? If so would you yoo that for life after your iva is cleared?
by
faye
on 05/03/19
Hi all . My sister was going to offer a f+f a year ago but she was going through a mortgage application and wasn't sure of a position now things are settled she wants to offer again. I pay £166 a month , the total was 9960 and I have 6800 remaining....
by
rae25
on 05/03/19
I am 27 months into an iva , which was agreed at £54,000. I pay £900 a month so to date I have paid in £24300 +I also paid in £3750 from a tax rebate making £28,000, total , I think this leaves £26000 , my daughter is willing to help and pay...
by
denice
on 05/03/19
Im in an IVA and confused over Windfalls Have a bank refund out of the blue its not PPI but from closed account pre IVA the bank say its for overcharging on my account the bank in question are not on my list of creditors the account was The IVA...
by
alan749
on 05/03/19
If someone got a Iva can they be a guarantor for me
by
courts
on 05/03/19
If my full and final is accepted will I have an end review or do I just stop paying my monthly payments ? Thanks
by
Pigger479
on 04/03/19
Hi just wondering those who are with creditfix when you do overtime what do you do , do you email your pay slips to them ? Do they reply ? I started my iva end of November and new to it all. There's always the chance of picking a bit of overtime at...
by
emily694
on 04/03/19
I can post but it seems Foggy can't.
by
kallis3
on 04/03/19
I am in an IVA. I am having to do a variation because the property being used to provide the funds to satisfy the IVA has not yet sold. I have a small pension which was excluded from the IVA, but because I will now be 55 during the extended term I...
by
jeremy835
on 04/03/19
Can I my first review manually as I do not like the idea of a 3rd party accessing all my bank details (even if it is a one off - then the information is 'deleted')
by
chris717
on 04/03/19
Just waiting a reply back off our 1st annual review. 1 year down, 5 to go! (plus another year maybe when we look at equity in the house). I feel like this year has gone by quite quickly but still a bit upset we are stuck in a starter home that’s...
by
mumof3
on 04/03/19
Just checking...... our half of overtime that we get to keep....we can save this up can’t we? I just don’t want to end up with an amount of money and we have to hand it over to the IVA. Just trying to save for the future and/or any big...
by
mumof3
on 04/03/19
Payplan contacted me about my annual review and all they asked for was my wage slips between May last year and February this year which I emailed them and they asked my to update my budget online, it hasn't really changed much since it started so I...
by
rhythmb
on 03/03/19
My IVA gets reviewed every year. My question is at the end of fifth and final year will they review all of my five years again and ask for all paper work again
by
nadia499
on 03/03/19
Hi my IVA is now all paid up, first payment 28/12/2012 last payment 28/11/2018 the full 6 year term, my question relates to 2 issues on my credit report one from Nram that shows as satisfied but also shows 6 missed payments and a default date of...
by
downandout
on 03/03/19
My IVA completion was 19th Dec 18 and I'm still waiting for CCert. It was a joint IVA with with my late husband who died 6 month into it. It was with Debt free direct now Aperture. The issue is my mortgage which is interest only finished 3 years ago...
by
jackie123
on 03/03/19
I have a property abroad. Can I still
Apply for an Iva.
by
sam370
on 02/03/19
My ex-partner has an IVA and we have a joint mortgage, he took out this Iva a year after our split, I was asked to sign paperwork regarding the Iva -which of course I didn’t but now they tell me they have protection on my house. Also on his...
by
jade962
on 02/03/19
Hate being negative but the new layout is dire You cannot see immediately who is posting and what about. It also gives the impression that nothing new is being posted given the age of the posts that you do actually see immediately. You also need...
by
redboxtree
on 02/03/19
I have an Iva do my children get free school meals
by
carly844
on 01/03/19
I had a look and couldn't find any other posts similar to my issue, but I'll apologise now if I'm going over old ground. I'm with Freeman Jones (After they took over Harrington Brooks) I paid off my IVA in full after being left money as an...
by
Jamesdh74
on 01/03/19
Hi We have 2 payments left left on an interlocking IVA - 1/03 and 1/04, but I am really worrying about the fact that because of dates and the way my pay dates at work fall on paper it looks like I have had 14 pays instead of 13 ( I get paid 4 weekly)...
by
Lisad0239
on 28/02/19
Hi I am currently on an IVA and have been for 1 1/2 yrs now , i am in the process of taking a car company to court and if i win i should get back about £8000 , which i will use to pay off my IVA . will the court automatically send the payment to...
by
rowena
on 28/02/19
Hi I had an IVA which was completed and signed off as such on my credit file. Several years have elapsed and now going through a house move. My solicitor has told me there is a charge on my current house and needs to be removed/signed off however...
by
paul120
on 28/02/19
Hello, I will be in my final year April 26th this year and I have been asked for my last three months payslips, bank statements and p60 as I always have done on my yearly review. I have been offered money for a full and final offer to end my Iva a...
by
T9UPS
on 27/02/19
Could you please advise. Both myself and my wife were in an IVA unfortunately the IVA was terminated after two years running owing to the fact that i lost my job owing to ill health and had been off work for over 12 months. we asked for help from...
by
charles289
on 27/02/19
Hi does my iva s starting this month, I would like to open a second bank account with coop since my family gives me money gifts once a year, I want to save this money to make extra payments towards my debts, do I need to tell my IP about this second...
by
veronica302
on 27/02/19
My partner and I had an IVA a couple of years ago. I have recently received a letter from a company advising me that we have thousands of pounds unclaimed PPI and to claim it quick as the deadline is soon. They are aware Ive had an IVA but my fear...
by
elizabeth322
on 27/02/19
I wonder iva.co.uk is the companies for people who thiking to set up iva or it is just the forum webside For people who in iva to shere the story. Or this webside just give an advice which the best companie and ip to do iva with?cos i c so many...
by
suwimon
on 27/02/19
I sent my full and final offer off yesterday by special delivery and was delivered today. I guess my question is what happens now ? Shall I start chasing them to help push things along Or is this a long drawn out situation? As you can imagine I’m...
by
Pigger479
on 26/02/19
IVA and PCP final payment . my car pcp payment is due April 21st 2019 £3740 been paying £196 a month for 4 years just read through my IVA agreement and i although its not worded like this i i have been allocated 19 months at around £200 a month...
by
amy769
on 26/02/19