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DRO in 24 hours??
24 hours must be a record, I am sooo happy:j:j:j:j I did all my research and prepared everything so i was ready to go - took advice from NDL, DD, ElfieB and everyone on here ( Thankyou all :A:A) There is a long waiting list for processing on NDL, so I decided to phone Baines&ernst yesterday afternoon. Lawrence talked me…
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Credit Card and IVA
Martin Hi there, anyone help with my problem.. My IVA was satisfied 2 years ago now and checked my credit report/score. I founf some of my creditors have not satisfied the amounts and show as o/s amounts still. No worries on this as I am gradually having that changed, BUT.. My debts are now under control in a big way and…
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Need a new car
I'm in an IVA and currently pay finance for a car but its not big enough as i jave just had another baby. So I found one to swap it for which costs the same as my existing finance, but the garage tried to set up new finance for the new car and it was rejected. So i tried my bank who also said no. The people incharge of my…
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CCA in an IVA
Hi , I am new to this site so please go easy on me . I am in an iva and have 5 years still remaining on it . I have got into the position i am in through my own fault spending on credit cards that i could not afford to pay back. Horrific when i think back that i did not see this as someone elses money but when you are…
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Failed IVA
My wife and I have a joint IVA, which has been running for 12 months, I've now lost my job and struggling to get new work. As some of you may of seen from my other posts, I'm about to lose my home, and can't afford to go Bankrupt, so stuck in limbo. We've stopped paying the IVA and told them to fail it, we are now awaiting…
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IVA question
http://forums.moneysavingexpert.com/showthread.html?t=1698037&highlight= I'd love some input on this if anyone here can help?
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True story good news i hope...well sort of and praise to CCCS
Hi all. My first time here, and what a great site and help available. After looking into IVAs BR etc, I came to this place to find out a bit more and also pass over what happened yesterday. After a few phone calls to several agencies, it seemed and felt I was being sold something, and not sure how the system worked, it…
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In an IVA - becoming a Daddy - Need Help!
Hi Guys, First post, I'd would have liked to be a nice one however, I'm in a dilema..... I'm due to become a Dad in September, I started an IVA at the end of last year [before my girlfriend fell pregnant] and while currently this is manageable due to lodgers in our rented property obviously our new arrival will need a room…
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Yet another DRO question!!! (I guess an Bankruptcy person could answer too!!!)
Does the OR look into your "safe" bank account? Are they able to do so without your consent?
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applying for DRO with National Debtline?
My parents have been having a nightmare applying for a Debt Relief Order with the National Debtline and I was wondering if anyone else was having similar problems and if there was any light at the end of the tunnel? They contacted them twice in April, after which time they had sorted out a budget and confirmed that DRO was…
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IVA Help
Hi guys, my partner is considering an IVA. She earns good money but i struggling every month to live after paying back all her debt. She has a range of debt from credit cards to loans. The credit cards cost £615 on there own and the loans are about £200. She also pays for almost all the household expenses. She earns…
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IVA payments
At the moment we are paying £1 token payments on our debts(i've totalled them up about £16,000) our income is going to rise to £24,000 in september(mixture of child tax credits, child benefits, student loans and grants(we will both be students) we have one child and pay the usual gas electric etc and about 60 for phones a…
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Solving your debt ! - It can be done
On the 1st of January this year, I made the decision to sort my debt crisis out. I had been living with this for many years, playing the 0% card game and worse still not even letting my partner know. Interest on interest mean't that at the end of 2008 I was in debt to the tune of £100k+. All unsecured. ITS A REALLY…
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On IVA - partner moving in with me
I'm half way through an IVA and soon my boyfriend will be moving in with me. I'm aware i have to declare this but will it affect his credit rating? And how much will it affect what i have to pay? Thanks
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Is IVA suitable for me?
Hi, I've just read martins guide to IVA and he says it's an arrangemint to pay off money to banks and credit card companies. my question is that most of my debt is owed to small suppliers to my now closed business (sole trader). Therefore they are not currently charging me interest and if i could carry on paying them what…
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Advice
My ex husband has an IVA, i don't fully understand it, hence why i'm asking, he got into a lot of debt after we split up (thank God!) anyways, my oldest son has recently moved in with him so he has stopped paying me maintenance (my request) as i didn't want to be chased for any over payments. So he is now £285 better off a…
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Help with Debt relief order
Hello i'm new to this forum so hi everyone. My situration is as follows. I am a student wporking part time and during this i got into debt with my credit card and then the student finance decided to revoke my student loan for this year as i failed my last year due to medical reasons still trying to get my loan for the…
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is there a differnece IVA & DMP
Hi Folks,i know this is a dumb question but is there a difference between an IVA & DMA, if so what is it. Thanks jill :confused:
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New partner and old IVA
Hi, Just under a year ago i enter into a iva with my now ex partner. We never had any problems and things have been ticking along really well. But i'm now with someone new, as is he. We have still jointly paid all the bills, and have used the house on a 50/50 share, but over the last few months, i've been there alot more…
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Transfer of assets in Debt Relief Orders
My partner has bad debts from a previous partner, which are less than 15k. She isn't currently in work and we receive tax credits and child allowance. I am the sole earner of our income. We are not currently married. She has savings currently of about £1500, so doesn't meet the requirements for a DRO. If however she…
