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Iva Possible If Debts With Dca?
Hi, can anyone please advise I am thinking I would like to start a DMP however I am boardering on entering in to an IVA cccs have recommended both - my question is if my debts get passed to dca's and i decided to enter in to an iva at a later date would I be able to do so or do the debts ahve to be with the original…
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IVA, think we've been done!!!
Hi In 2001 my husband and i entered into an IVA with Debtfree Direct. We made our payments for 4 years and then were told we could complete early. We had to make an offer to our creditors and because property prices had increased, we had equity. We were told at the beginning of the IVA that once we had made the payments…
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HELP..Can you claim missold Insurance on loans and credit cards.
This might be a stupid question but no-one seem to have the answer but I'll ask again, My theory is that when your paying a IVA you are paying for the insurance that you have been misold , but the fact remains that you have paid for the "mis sold" insurance and over charges up until the point of the IVA starting...so can…
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full and final IVA
Hi I know this has probably been explained in depth and i like to think Im an intelligent woman (just obviously not where money is concerned!) but my question is - earlier this year I completed a full and final IVA meaning I released equity from my property rather than paying any monthly amount and received my letter of…
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IVA diary
Hi everyone There are tons of diaries on the debt-free-wannabee forum and little here so I thought I would start one as it may help others? In October I realised that there was just no way I could continue the way I was. Robbing Peter to pay Paul, cutting back so much it was unrealistic, constant panic and sleepless nights…
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Considering an IVA Beware!
Only enter into an IVA agreement as a last resort. They don't always reduce the amount you owe, though they stop interest accumulating. Look into the IVA provider carefully as there are a lot of cowboy firms out there such as SPWCA dot co dot uk who charge extortionate fees, all of which are added to the repayment total.…
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Can I get back my Insurance if I've been misold and Im on an IVA
Really short and simple question ,but can I reclaim my mis-sold insurance on credit cards and loans if im on an IVA?
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IVA Payments
I entered into an IVA in January 2007, my debts total £37,000. My take home pay is £2100.00 per month and my IVA payment is £701 per month. I am paying my creditors 100p in the £. I feel I am paying too much as I will be paying all the debt back and not 75%. Has anyone else been in the same situation? I don't know what to…
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help needed please!
hi ive got my iva meeting in the morning and im pooing myself , im really scared they gonna refuse it, m not sleeping and i am really stressed any advice welcome thanks:confused:
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Should I switch from DMP to IVA
Hi I currently have a DMP through CCCS which I have been paying for 2 years. I originally owed about 56K (gulp!) and now owe in the region of 45K. I pay £343 per month and have regular income. The predicition on the site is that this will be paid off in March 2020 - which is horrific. Would I be better off switching to an…
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iva nad overdraft
We entered in to an iva in june, before it went to court we opened another bank account with halifax, it has an overdraft which we use on a regular basis. Does anyone know Is this going to cause problems with my iva down the line or at my annual review.
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Partner's house/salary at risk?
Hi there My partner has an IVA and has never mentioned that he has a partner (and now a baby!). I own the house we live in and work - is my house and salary at risk of them asking for more money?
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About to enter IVA - INFO PLEASE
Hello, I am about to enter an IVA as I have £74k of debts (through several credit cards and an overdraft). I have been in touch with the CAB and the National Debtline and wandered which one would be the best one to use? There also seems to be quite a few mentions of the CCCS on this forum. Would I be better to go through…
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DMP, IVA or BR
Im waiting to hear from the CCCS with a telephone interview on Fri. Iv been reading the boards to get my head around which one would be suited to me or not... Im 35k in debt with £200 spare per month. Am i right in saying an IVA will last no longer than 5 years but is normally for people who have property to save. I only…
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4th year IVA
Dear All, I'm approaching the 5th year of my IVA, which so far has been perfect for me, trouble free and manageable. I am concerned that there may be a big review at the beginning of the 5th Year that I need to collate paperwork for. Is this the case or does it carry on ticking over as usual, bar the annual review? Many…
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Head in the sand...non payment of IVA
We took out an IVA with Grant Thornton back in 2003 made a couple of payments and then got into trouble, partner lost his job etc....... haven't heard anything since I know it is really bad to have not paid anything since but to be honest things have gone from bad to worse over the following years. Needless to say we can't…
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Easy Debt Solutions
Hi there Has anyone had any dealings with Easy Debt Solutions in Glasgow? We went to them recently for help re credit card debt. Thanks Lola
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IVA and debit card
Is someone on an IVA allowed to have a debit card? I ask because I've opened a Nationwide Flexi account (before IVA has started) as recommended on these boards, but it is a cash card only.
