Any other thoughts guys?

I'm interested in how long companies like Barclaycard can keep my records.

Thanks Andy,

Do you know where that info is held?

Hi, My IVA will be dropping off my credit file in about a year and I'm just doing some tidying before. Could you tell me all the places that details of my IVA are held? I know about- 1) My credit file 2) The individual insolvency register Are there any other places? Do the courts hold the info and i...

Thanks everyone.

Hi All, I've been out of my full and final for a year now (creditors meeting was 2 years ago but had to wait for the revenue). I wonder if you could offer advice in 2 areas? 1) Is the Vanquis credit card a good idea. I want to build up by credit score but if I have a Vanquis card on my file after th...

I'm still not sure what you mean by unsatisfactorily concluded. What would my situation be?

Would it be the same as before the IVA was agreed?

Would I get the money back?

Could I do another IVA?

Confused

That's my understanding but the question is, is the IVA now closed or is it in breach?

In other words, am I free of my liabilities or do I have to start again with a new IVA?

OK, cool. I'll leave it with you. Wasn't sure what you were saying though.

If the IP had breached the agreement, would he still be able to take his fee or would the whole amount be available for transfer to a new IVA?

When you say back to square one, does that mean the money I've put into the IVA comes back to me (for putting into a different IVA) or does the IP keep some or all of it?

My proposal refers back to the standard conditions produced by the IVA forum (not sure if you know them). para 5(1) states that any extension notice must be sent 7 days before the end of the IVA. The reason this is a pain is because there are clauses that cover windfalls and earnings while the IVA i...

The IP did have the money from my friend within 2 weeks of the creditors meeting.

My question though, is can he extend the term without telling me and if not, what happens?

Hi Mel,

Nice to talk to you again

They have extended it because the revenue can't give a final figure for their claim until they receive the 2009/10 tax return.

The IVA was only supposed to be 2 months but according the the revenue, that is impossible.

I was hoping to have a chat here before approaching the IP. If any of the experts could comment, that would be great.

My belief is that it's a full and final but it doesn't use that term in the IVA. It just says that I intend to make a one off payment, not sure if thats the same thing.

It was a full and final IVA that was due to last 2 Months.

No, the IP isn't saying the've informed me.

It wasn't the IP himself I've spoken to, just one of the administrators.

Hi all,

Could you tell me what happens when an IP breaches an agreement?

My proposal states that the IP should inform 1 week before the IVA is due to finish that he intends to extend it. My finish date was months ago but he is saying it is still open, despite the fact that he hasn't notified me.