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How do I find out my IVA Administrator???
Hiya all I completed an IVA in a single payment but am being chased by a creditor that is saying my IVA has not been completed. I cannot find my paperwork as moved and also broken into!!! What luck, eh!! Who can I contact to get a copy of my IVA Completion Certificate??? HELP PLEASE Mark
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I have a DRO but need to rent?
Hi Guys Can anyone help. I have a DRO at the moment, and need to rent a new flat with my girlfriend. However, they all do credit checks. Now my salary is only part time, but she is on 20k. She would be paying the rent and then I would pay bills etc. But they still insist on checks etc. So is it likely I will fail these as…
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Under £15k
4 years into my IVA and under £15k left to go. Can't wait for next summer to come along. :D
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Student Loan Deferred Payments
Don't know if anyone can shed any light on this. I have approx £4k on a student loan that I told the IVA company about before the IVA was approved. It went on the IVA proposal as a preferred creditor but the SLC do not get any of the IVA payment. I have been deferring payments to the SLC since August as my wages were below…
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IVA and Equity question
Hi Guys, I hope someone could give me some advice on this please. We (well my husband) is £37,000 in debt and due to ill health at the end of last year he has had to change his job and is now on a lower wage and is unable to pay what he did on his debts. He is on probation with his new job at the moment but as soon as this…
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Last IVA payment next month
My OH's IVA is due to finish end of July. :) We've just paid the lump sum settlement and had a receipt - what happens when the final payment is made? Been a long 5yrs, but looking forward to a fresh start - all be it with rubbish credit ratings!
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IVA, Car insurance and Credit checks!
Sorry if this isn't the best place to post this. I have been in an IVA since the start of this year, and hence my credit rating is trashed. I have just had my car insurance renewal quote, and I want to change insurance companies as the premium has increased considerably. My concern is whether the new company will run a…
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Setteling a HP agreement with Welcome Car
Hi guys, This is my first thread so please take it easy on me if I have done anything wrong. All I am after is some advice from some of you. Back in July 2007 I was stupid enough to take a car from Welcome Finance on a HP agreement at a cost of £208/month for 48 months. I have never missed a payment and my account has been…
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Barclays causing big problems
Hi, I have an IVA since March this year. One of the creditors was Barclays. I had my personal account with them - I had on overdraft of £2800 that was part of the IVA. This was my sole account no one else had access. My partner had a savings account with Barclays. I became a joint account holder with this account only.…
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Trust Deed
Ive just made my last payments to my trust deed, I called my Trustee to see if i need to do anything else, and was advised that's it. Should get my discharge papers in around 3 months or so depending on the creditors. I've now cancelled my Direct Debit so will be better off from next pay day. Its been turbulent but im glad…
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IVA had creditors meeting....now freaking out!!!
Hi, I have around 46K of unsecured debt on credit cards and a loan & student loan. 12K of it is student loans (which has to be paid back anyway) so were really talking about 34K...Yes I've been stupid, living beyond my means for 10 years, and drinking myself into a depressed state thinking it will all go away...well this…
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Is anyone else an accountant and in an IVA?
I started my IVA in March and am an accountant although not working in practice at the moment. Before starting the IVA I spoke with someone from my institute (icaew) who said as long as I kept them informed I wouldn't have my membership revoked, which would happen if I were to go bankrupt. I therefore let them now but…
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IVA and equity in house
Hi there, My debt is £59k and I have £61k equity in house. I am told I can't do an IVA as creditors would just expect me to see my house. My friend has £54k of debt, no equity and is doing an IVA. Is that right. And, if I did do an IVA how does the equity release in the 4th/5th year work? thanks in adavnce, Iggle
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Will this affect IVA being approved??
We are currently in the first stages of applying for an IVA and I have just started worrying that we might not be approved because we only went on holiday a couple of weeks ago and will this mean that we are seen as being really irresponsable (sp??) therefore they will not approve? Thanks in advance for your help.
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final IVA payment
:beer:Hi Our final IVA payment was made last month, and we were wondering what the next step is? How do we restore our credit rating etc. Any advice will be gratefully received. Thank you.:j
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Some Questions on Debt Relief Order's
Please ignore - reposted in correct forum. Thankyou
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Director Personal Guarantee with IVA
Hi, I'm hoping for some advice. I'm 18 months into my IVA and am the sole director of a limited company. I'm still trading but the last year has been difficult and the bank have now called in my personal guarantee on a company loan and overdraft and asked me to pay back £20K. I made an offer of a payment plan which they…
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Got credit report...Now what?
Hi, I'm currently on the mobile phone board regarding this situation... I am currently trying to get an Orange contract but they have turned me away because of my credit rating, I assume my IVA will be holding me back. http://forums.moneysavingexpert.com/showthread.php?t=2511013 I checked with Payplan and they have said…
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Debt Relief Orders, any experience and advice please
I'm submitting my DRO next week, after speaking to CAB and taking a long look at debts I decided it would be the best option. I understand the process and what happens I'm just wondering if there are any things I may have overlooked, worst case scenarios, and what affects it may have in the future. Has anyone had a DRO and…
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Pay rise with IVA
Hi all, This is my first post even though I have been lurking for several months. Me and my dh are about to apply for an IVA through Payplan however I have a quick question for anyone who can help me. I have asked my work if I can increase my hours from September when my eldest daugther starts school in order to earn more…