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second time iva....
does anybody have any knowledge of having a 2nd iva, my first one was paid in full and fully satisfied approx two and a half years ago, now need to look at doing another, any else been thru' this? or know anything about it?
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Pay Day Loan And IVA
Hi, It's only after reading some posts on here that has got me thinking. For about a year or so now because i get payed monthly on 2 or 3 occasions i have had to get a pay day loan, i know they are a bad way of borrowing money because of the interest you pay back egs but i have just used it in a emergency when needed and…
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advice please
My hubby and I agonised forever over whether or not to go with an IVA and did eventually take one out together paying £298 per month. This actually has left us living on the breadline even with my hubby working every possible hour available on overtime. I have ordered goods from catalogues and had a credit card total…
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Unsure to cancel direct debit
Hi guys I currently am in talks with a debt management company and am still deciding wether to take the option of a DMP or an IVA. Whilst the option I choose to take is considered and the time it will take to set up, bills are still coming out of my account by direct debit. I am due to pay my Egg card this Wednesday by…
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bank went back on IVA
Iset up an IVA and the bank agreed to accept so much a month, everything was going well, until now when I recieved a letter from banks solicitors saying that the bank had written several times ( which is false) and they want all the money back now can they do that? I have sent the letter to the company dealing with it but…
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just had a call from "consumer credit advice" company, anyone know these ?
Hi there, just received a call unexpected for this company based in wales i believe, offering to help with unsecured debt, reducing the payments etc. Are these one of those type of companies with a bad reputation to avoid or worth considering ? Very pushy and irritating guy and basically told him i was busy, i know i…
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Question on current IVA
Hey all, I'm very new to all this, but have been using the forums for advice for a long time now. I'm currently 6 months into my IVA with partner and just have a few questions that keep coming up. When it comes to our review, how much of a monthly increase can we expect I've had a small pay rise, but at the moment do alot…
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I think I have stuffed up my IVA
MY hubby and I took out our IVA in December 2007 and paying £298. per month. All has been going well untill I started work. The company I started with did a 20% discount card which you had to sign up to. It was I later discovered a capital one credit card. I did use it with christmas here and no money to speak of. I had…
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Help!!!
Hi, This is our (Husband and I) first time posting on here. We have decided to get our heads out of the sand and face our debts head on. I am a stay at home mum with 2 boys (1 and 3) and my husband has a reasonably paid job. one way or another we have an unsecured debt of just over £100.000 :eek: This is due to a number of…
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Can I remortgage during an IVA? I have no exit penalty on my existing mortgage.
I am currently in an IVA, due to finish October 2010 (although I intend to pay it off early). My fixed rate existing mortgage expires in March 2009 and I obviously want to move to the best possible rate, although I know I can just move to my existing lender's variable rate. To spice it up, I am self employed, do have…
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My IVA story, the early part
Hi Everyone, I just thought I would write up my story so far re: my IVA. After some umming and arrhhing (a lot) I decided that an IVA was probably the best way to go. I had recently moved into a new job where my cost of travel had skyrocketed by over 200% and it was, initially at least, paying less, although the prospects…
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Joint account
Hello All, I wonder if anyone can give me some advice. I have had an IVA for the past year and a half. I am concerned about how this is effecting my partners credit rating. We currently have a joint account - should i take my name off this or is the damage already done? We also have several bills in joint names - gas,…
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iva - creditor neds advice.
Hi, I am owed a considerable amount of money by a builder who has 'done a bunk' leaving me with an half finished extension. I have now heard that he is applying for an iva. My question is how should I proceed in order to try to get as much of my money back as possible? Any advice very gratefully received. Many thanks in…
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IVA's/Debt Management 'Windfall Clause' Petition
Hi All, Happy New Year to you all!!! As a new year's resolution, I intend to be debt free as quickly as possible!! Not sure if this is the right forum for me to be in, but I'm am sure it will be moved to the right place if not. I would like to let you know that I have started a petition on the Downing st website which I…
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Brothers Debt.
Hi my brother has told me he owes £10000 accross a couple of credit cards, i don't know the exact details of how much on which. I do know that neither one is 0% though. Is there a card available that he might actually qualify for the is at 0% for a period long enough for him to actually pay off some of the debt? Or is…
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In an IVA but cant afford to keep paying.Any advice please.
Hi all, Please can anyone help me. I have been in an IVA for 2 years now and have really been struggling to pay it. Initially i was told that the payments were going to be £200 then it jumped to £350 and was told " if you dont pay this amount then you cant do it" by the supervisor of the IVA 4 months before the creditors…
