As Kallis mentions, HSBC have, historically, been very averse to customers in an IVA, whether creditors or not and have routinely closed accounts without notice upon discovering the IVA. You can but ask. I would suggest talking to a person face to face, or the covid equivalent, rather than relying ...

They can't do anything about your old accounts as they were included in the IVA. I doubt they will activate the old accounts but you can but speak to them. HSBC have never been known to be friendly with an IVA. I take it you had a different bank during your IVA? Thank you for the reply. We’ve been ...

<t>Hi. We had entered an IVA in 2012. Finally in April 2021 we received a completion documents. We have informed by the IP that it could take up to 3 months for our credit file to reflect the completion of the IVA. My Wife and I banked with HSBC for many years before we entered the IVA. As we had a ...

We got the variation call yesterday. Aperture reviewed our income and expenditure and asked us why our expenditure on some basic necessities was low. We explained our number 1 priority to is to complete the IVA successfully. After which they asked us if we could afford 100 per month for the next 12 ...

Thank you for your prompt reply. It is Aperture now.

I can ask them to recommend to bring the IVA to a close now based on the slow approach between DFD and Aperture to evaluate the reviews and not make prompt recommendations?

<t>Hello. We entered our IVA in November 2012 for 5 years. In our 4th year DFD asked us to check if we could release equity through our property. Since this was not possible they extended for 1 extra year. Our payments up to July 2017 were 200 per month - all paid on time. After which they would be ...

Thank you Melanie now thats clear one more question, fuel prices have been going up and we have cut right back on unnecessary trips, my wife's car is a diesel and as diesel is now almost 10p a litre more we have calculated we could save £20 per month on fuel costs if we had similar car that was a pe...

Just got the loan agreement out. It is titled "Fixed Sum Loan Agreement regulated by the Consumer Credit ACt !974" with details of my wife's car listed below.

Just been going through the IVA paperwork, in the Estimated Statement of Affairs my wife's car and its value are listed as "Assets Not Specifically Pledged" along with with a value adjacent, in the column next to it they have stated "Estmated to Realise" along with the same value as the preceding co...

Hi, My wife and I had our IVA approved last month. We have 2 HP agreements with the one in my name with Motonovo Finance and is less than 1 year old. My wife's HP agreement is with Fortis Lease, at the point the IVA was approved the term my wife had passed on the HP agreement was 34 months of a 60 m...

Thanks Melanie. She is not intending on surrendering the car. We had clearly defined in the IVA proposal the need for 2 cars as my wife works varying shifts and commutes 10 miles each way to work. The firm is Debt Free Direct.

Hi, My wife and I had our IVA approved last month. We have 2 HP agreements with the one in my name with Motonovo Finance and is less than 1 year old. My wife's HP agreement is with Fortis Lease, at the point the IVA was approved the term my wife had passed on the HP agreement was 34 months of a 60 m...