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Hi , I am posting on behalf of a friend

 

, they have been in a IVA,

next year it comes to a ends after 8 years,

 

the company they are with have send that when it comes to a end

they will have to take out a loan to pay off out standing amount left over,

 

I thought if you went in a IVA after you have been discharged all your debts where write off , the original time for the IVA was 5 years,

 

but after he split with is partner he was left with the mortgage and bills to pay on his own so they extended the IVA

 

, also is ex partner has made him put the house up for sale

her name is still on the mortgage.

 

The company dealing when the IVA is X Debt.

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Who is the IVA with?

 

I would SAR the outfit that set up the IVA, sounds very fishy!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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X debt

 

Yes very dodgy and I expect you nor they did any checks if any of the debts were actually enforceable

Esp those owned by RCA's

 

Can you not get your friend to come on cag so we can get all the paperwork

Esp these on going fees they are taking

 

An iva should be a set period and encompass all debt within that allotted time


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thank you for your answers, I have advised him that something is wrong here ,and yes they didn't check to see if the debts where lawful or enforceable but they did claim back mis sold PPI, to the tune of about £20K, to go towards his IVA.

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Blimey must be a big iva.

If £20k PPI didn't touch it + 8 years of payments too

That PPI would have been almost twice that size as well ibet

They would have taken a hefty cut and prob the shame sister company they go to do it


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Get them to start scanning stuff up

Iva + statements etc

Into one multipage pdf


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I think it was about £56k , when I get home I will help him to post the paper work up , thanks.

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