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I could really do with some advice re: IVA company being awkward
Hi Everyone, As per title I could just do with a bit of advice re: this. I lost my job early last month and was able to make all required payments etc. However as we are coming close to next month, I can't really afford the mortgage. I have had (and have) several interviews over the last few days. The mortgage company…
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iva nightmare
hi new to this, but it may make me feel better to get it off my chest. got myself into debt, and couldn't get out of it soaring credit card interest rates, and that is where the problem started, i was in a complete circle chasing my tail, and nobody want to help unless they were getting something out of it, so on false…
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IVA + equity
hi all, some advice needed, I have debts of approx £35. I have cleared £6000 by selling my car and buying a cheaper one. I need a car for my work. My debts are mainly credit card all in my name only. approx £16000 on life of balance transfers at 5% pa. about £15000 at 21% interest about £5000 at 25% interest. I have 6…
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McCambridge Duffy & Co ?? Im going into an IVA
I've decided I am going into an IVA.. with the above company, does anyone use them now...
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Creditors meeting after IVA ended
Hi, I hope somebody can help me. My last payment date was 24th May 2010 after 60 months of paying £400 pm for my IVA. I received a letter from my IP yesterday to say she is having a creditors meeting 13th Aug (12 weeks after my final payment) to say she has 2 modifications. 1 is that the original debt was higher £39,530…
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I think I may have had a bit of a result....
but Im not sure - Im a bit confused !!!! Im almost at the end of my IVA - Ive got two payments left now, and today I recieved what will be my last review letter to sign and send back. All the way through, my income has been calculated as £818 take home - and my expenditure hasnt really changed. Anything over the 818, I…
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Default dates on credit report after IVA
Hi, Looking for some advice regards my credit report after IVA. I will be applying for a mortgage in 3 or 4 months time and got a copy of my credit report from experien to check the details first before applying. I had an IVA in August 04 which was completed in August 09 and was presuming that all the details of the IVA…
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is there a percentage for working out f & f offer
my brother wants to lend me money to come out of it early as I still have 13 months left of a 5 year iva, in the fifth year i am to release £17k (which is not possible as my mortgage company would not give me it), and I currently pay £450 per month (£5400 for 12 months total left). Therefore it is about £22k total. my kids…
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When you enter into an IVA do they request Bank Statements etc
When you enter into an IVA do they request Bank Statements , copies of Bills etc etc ?
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I have a DMP but I'm considering an IVA
Hi everyone, My wife and I have debts amounting to £40,000. I became ill with a neurological condition in 2005 and have been unable to work since. We kept hoping someone would be able to diagnose me and either we could claim on a health insurance policy I have, or I could get treatment and return to work. Unfortunately…
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IVA and a second job
Hi, I have been in an IVA for 2 years and I have a few questions ; 1)To make ends meet, I am considering a second job. Will the IVA people take this additional amount off me ? I was considering having the money paid into my partners account, could this be detected by IVA people ? Do they have rights to approach the tax…
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Advice Needed F&F - Partner left me with kids - no job!
It's all a bit dire really - but here's the situation . . . Sole IVA agreed in October 2009 for £19080 on a £45k + debt. I have never missed a payment so far of £265. Currently there is £16430 left on IVA balance (62mths x £265 - the IVA was initially extended by a year to 6yrs as a request by the creditors to get a better…
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IVA Mortgage?
Hello. I have had an IVA since Dec 2009 and have just been offered a new jobn up north. I am selling my house in London and will start of by renting in Manchster. However, when I have asked banks etc about a potential mortgage, they all have said I must wait until the IVA is paid off. I was told by Debt Free Direct, that…
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Settlement Offer
Hello Ive recently been offered a settlement figure with my credit card company. I owe them approx £16k I have two choices - pay them £130 per month for ten years or make a one off payment of £5700 and that will clear the debt and close the account Can anyone out there give me any advice for the long run? I know it will…
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query please?
Can anyone advise at what stage before entering into an IVA is it best to stop trying to make min payments to cc companies? Will it make any difference to the likelihood of the IVA being accepted if I keep making payments up til the end or should I give up now and keep the money stashed for emergencies?
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Fantastic news!
I recieved my discharge papers from my very long, very tiresome trust deed today :j:j For those who are just beginning one, or are worried about spiralling debts, please please seek advice sooner rather than later. OK, my deed seemed never ending, but I would never have managed without it, and now I'm debt free. Find a…
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interlocking IVA
Hi can anyone tell me do you pay two sets of fees to IP if in an interlocking IVA or is it just the one?
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Ashley park
I am so annoyed. I phoned a company regarding a loan and was duely passed to Ashley Park a Debt solutions agency. It sounded like a good idea at the time so i said yes. Fortunately things changed slightly for me and I no longer need their service. They have debited my bank account £75!!! Unfortunately i did not realise…
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which bank account
Hi. can anyone advise which is the best bank account to open before entering into an IVA. I live in N.Ireland and was wondering about Bank of Ireland as don't think any debt connected to it. Also, is it possible to have a debit card and cheque book when on an IVA?
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Just little advice on iva companys please?
Hi all, I recently went on an IVA (payplan) few months ago. Was on it for just over a year an a half, when things got very tought and it failed. I have since then got my self back on my feet an wanting to re entre an IVA. Does any one have some tips and companys that are good etc? Many thanks Dave