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by David.43
Thu Mar 06, 2014 12:43 am
Forum: Ask IVA Forum and Industry experts
Topic: Do I have to check the Insolvency register to ensure my name is taken off ?
Replies: 12
Views: 2811
Hi Mel, I will certainly go shopping around to see if there is one that I can afford. I don't know what their fees will be. If I am successful in finding on I can afford, I will certain post the answer on this forum for the benefit of those concerned. I have just edited this reply with an update. I ...
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by David.43
Thu Mar 06, 2014 12:33 am
Forum: Ask IVA Forum and Industry experts
Topic: Do I have to check the Insolvency register to ensure my name is taken off ?
Replies: 12
Views: 2811
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles David Even if you were to post full details about the proposed variation terms being suggested by your IP on the forum, we would not be able to specifically advise you, in fact it would be...
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by David.43
Wed Mar 05, 2014 9:35 pm
Forum: Ask IVA Forum and Industry experts
Topic: Equity clause
Replies: 10
Views: 2514
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Christabelle_sparkle Can IPs make you switch to 2014 protocol? I have noticed a lot of this lately that IPs seem to be 'moving the goal posts' so to speak against what was agreed at the onset. Really c...
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by David.43
Wed Mar 05, 2014 9:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Do I have to check the Insolvency register to ensure my name is taken off ?
Replies: 12
Views: 2811
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by lesley_ Hi David, I think and stand to be corrected it can stay on there for up to 3 months after the end of the IVA. Foggy is experiencing this at the minute and I'm sure he will post his experience t...
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by David.43
Wed Mar 05, 2014 9:19 pm
Forum: Ask IVA Forum and Industry experts
Topic: Do I have to check the Insolvency register to ensure my name is taken off ?
Replies: 12
Views: 2811
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Foggy Hi David. When you get your Certificate of Completion a copy will be sent, by your IP, to the Insolvency Service. Now, I am told by them, the correct procedure is that your IVA will be shown as c...
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by David.43
Wed Mar 05, 2014 5:30 pm
Forum: Ask IVA Forum and Industry experts
Topic: Do I have to check the Insolvency register to ensure my name is taken off ?
Replies: 12
Views: 2811
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by luluj Well done on reaching the end of your iva .... You can look forward and plan how you will move onwards in your debt free life. Hi Luluj, Sorry that I have mislead you into thinking that I have fi...
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by David.43
Wed Mar 05, 2014 5:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: Do I have to check the Insolvency register to ensure my name is taken off ?
Replies: 12
Views: 2811
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles You can check the Insolvency Register quite easily on line David - and I suspect that most people do at the end of an IVA to ensure that their names have been removed. If your IP has close...
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by David.43
Tue Mar 04, 2014 11:50 pm
Forum: Ask IVA Forum and Industry experts
Topic: Do I have to check the Insolvency register to ensure my name is taken off ?
Replies: 12
Views: 2811
Hi, say DFD has issued me a Certificate of Completion of my IVA and I have received it in my hands. In later days, say I have my pension lump sum, or inheritance, or worn the lottery (unlikely because I don't buy it), can DFD comes in with a reason(s) to take the money away or even a portion of it? ...
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by David.43
Tue Mar 04, 2014 10:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: house valuation @ month 54
Replies: 24
Views: 7352
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Michael Peoples Your property would need to be valued in excess of #65533;180,588k as 85% of that figure is #65533;153,500. If the valuation is less your IVA should cease but double check with your own...
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by David.43
Sun Mar 02, 2014 1:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: I don't want to sign the Deed of Assignment. I have fulfilled all aspects of original contract.
Replies: 46
Views: 11390
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MikeyM I don't see a problem signing the deed of assigment if it enables the IVA to be closed while PPI contines to be reclaimed. However, if they are asking you to sign the new T&C's so as to convert ...
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by David.43
Sun Mar 02, 2014 2:36 am
Forum: Ask IVA Forum and Industry experts
Topic: I don't want to sign the Deed of Assignment. I have fulfilled all aspects of original contract.
Replies: 46
Views: 11390
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by nittykitty Hi I have read this thread with interest and I am in a similar position of my IVA coming to an end but PPI is still outstanding. I too was worried about my property, (where equity has alread...
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by David.43
Sun Mar 02, 2014 2:18 am
Forum: Ask IVA Forum and Industry experts
Topic: I don't want to sign the Deed of Assignment. I have fulfilled all aspects of original contract.
Replies: 46
Views: 11390
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles It is difficult for any of us to comment fully on this, without sight of what the proposed new terms and conditions actually are. One thing for sure is that it is as important to ensure th...
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by David.43
Sun Mar 02, 2014 2:11 am
Forum: Ask IVA Forum and Industry experts
Topic: I don't want to sign the Deed of Assignment. I have fulfilled all aspects of original contract.
Replies: 46
Views: 11390
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Foggy David, and / or anyone who has had one of these packs .... could you kindly clarify something for me: Is it possible to accept the Deed of Assignment yet refuse the Change in Ts & Cs (or vice ver...
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by David.43
Sat Mar 01, 2014 8:20 am
Forum: Ask IVA Forum and Industry experts
Topic: I don't want to sign the Deed of Assignment. I have fulfilled all aspects of original contract.
Replies: 46
Views: 11390
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles Personally I am not adopting the use of a Deed of Assignment in my own caseload, as I am confident in the legal advice I have received - and have not encountered any difficulty in closing ...
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by David.43
Fri Feb 28, 2014 9:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: I don't want to sign the Deed of Assignment. I have fulfilled all aspects of original contract.
Replies: 46
Views: 11390
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MikeyM On the face of it, it looks to me like they are lumping together the PPI issues with a change the terms to comply with the 2014 protocol. The options to reject reads like a thinly veiled threat....
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