font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Andy Davie Hi It just shows how important it is to read and digest the Chairmans report following the creditors meeting. With many IVAs protocol complaint these days the equity clause should be univers...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by frankiebabe1 Hi all i completed my IVA MaY 2011 whilst in the IVA i started a claim for PPI through a Claims management company who charged me 38% of any settlement to cut a long story short i was offe...

I had 3 separate contracts with 3 while in an IVA, they didnt seem to bother with intricate details so far as you are on the Electoral register.

While I was in the final year of my IVA I was unable to obtain equity release on my property. No lender was willing to offer me a remortgage, so I had to get 2 letters of rejection to satisfy my IVA arrangement. I was expecting a 12 month extension to my IVA payments as a result but my IP 'miraculou...

I have completed my IVA in February. My IVA company asked me to voluntarily complete some documents on behalf of a company claiming PPI refunds. I didnt volunteer to do so. One of my erstwhile Creditors added £10,000 to the cost of debt under the guise of insurance. My Solicitors have advised me to ...

I just finished my IVA with Payplan this February, does any one know how it will take before I get my Certificate of completion?

Correct - this firm's modifications require a professional valuation to be carried out followed by the obtaining of two offers of remortgage. You will then need to accept the offer which provides the most money and introduce 100% of the money raised. Melanie, can I ask an Estate Valuer of my choice...

I was getting pestering phone calls at work from AMEX and HFC Bank.I was advised to call them up to remove my Office number from their list and ask them to call my Home/Mobile numbers instead.(On AMEX I went to my profile on their website to delete my office number) I called them and put them on the...

I hardly feel that this is an IVA failure point, unless you guaranteed a dividend payment at a certain level, which was reliant upon you releasing a certain figure for equity. I never guaranteed any dividend payment of any certain amount.If the Creditors failed the IVA due to variations in the expe...

No. We are not divorced ,just separated (due to my bad financial state of affairs). How would she enforce her right of beneficial interest to restrain the IP from disburing 100% of the equity in the property to my creditors? With the Creditors getting only my share of 50% of the equity because of my...

I live in my mortgaged property,my wife lives in a council flat with 3 kids. I am currently in an IVA when I was seperated from my wife and the property I own is in my name only. One condition of my IVA proposal was to release 100% available equity from my property in the 4th year. Does my wife have...

I learnt that my IVA proposal was midwived through a collaboration between HSBC's/HFC/Marble card Reps's -TDX and Paypal through their Insolvency Exchange system where they determine to creditors what IVA's should go through, or which one's need adjustments,etc before the meeting. Is this intermeddl...

Saz, I just started an IVA with Payplan this week and found them to be quite helpful. I got lots of monetary provision for dealing with unforseen financial circumstances in my IVA proposal which was accepted by my creditors.I stopped making token payments to any of my creditors the moment Payplan to...

I have just started an IVA and after one year I am thinking of meeting my IP after one year with a view of purchasing a second property through a special deal with my Broker. He has new built property for sale, the 10% deposit,stamp duty,legal fee's and valuation will be paid for by the builders.I d...

Thanx for all the advice given,i'm expecting the paper work by today so that I can exactly see through the small prints concerning the 100% equity release in the 4th year.