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Accuma selling its IVA business
Apologies if this has been raised before, but just found about Accuma (who my IVA is with) selling its IVA business to Grant Thorton, probably from June this year. (Sorry the site isn't letting me link direct, so I'll have to quote. You can Google for it!) The questions are, did the Debtmatters customers notice any great…
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does iva affect credit rating?
as title :confused:
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My DRO is getting so close I can smell it :)
Hey, Just a quick one for anyone who has helped me over the last month with advice about DRO's and all the help that I received with my SOA :beer:. I went to CAB today for my appointment with a debt specialist, got the login details for the dro application and worked my way through it, have it saved now at the page before…
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DRO Debt Relief Order Application Form Questions
Hi, I dont know if this will be of any use to anybody but I have noticed a number of posts from people asking what kind of questions were asked when applying for a DRO, well i'm in the middle of filling the application in so I thought that I would put up the questions on it, this is by no means comprehensive as some other…
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Some Advice on a Pile of Debt
Hello all, I am new to this forum, so bear with me. I am currently in a job earning a good wage on around just over £50k a year. Last year I split from my partner and have a pile of debt from ignoring a problem over some years, as I have only been on a good wage for the last few. I owe approaching £60k on loans and cards,…
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Urgent - Martin please help re reclaiming
Is it possible to reclaim charges when in an IVA? I was told by my IP it was OK as long as it was under £500, I then got a letter from Mint saying my IVA may fail if I continue to try and claim these charges.:confused:
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Debt returned to haunt me!!
Back in January 2000 I split with an ex partner. I set up on my own in rented accommodation but had difficulty funding both the house with my ex and my flat (he was out of work and the bank wouldn't allow me to be removed from the mortgage). Once I managed to get my name removed from the mortgage, I took out an IVA for all…
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Clearing Bad Credit History
I had an IVA which was settled Nov 2008, the IVA was registered in April 2004. Presumably the IVA itself gets removed from my history in April 2010. Associated with the IVA were a number of defaults dated from 2003-4. When the IVA was settled additional "partial settlement" statements were added to my record with a start…
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Failed IVA letter landed today!!
i posted this elsewhere on here and was advised to put it here too....... This is our first post so please bear with us its been 18 months since the iva was set up and we're trying to remmember stuff..... we also wish we knew about this site before as we would never have gone near debt free direct (or clearstart as it was)…
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Unfair or what
Can't get my head round the fact that e.g. 2 people both owe £50000 yet one could be only paying say £150 and another is required to pay say £500 per month yet both are payed off on completion of the term, doesn't seem fair to me. Surely they charge a %age of the debt as the minimum. I owe 65000 and am just starting to…
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payment holidays
why don't banks let you have a holiday? in the grand scheme of things a 6mth break while you get back to work or the economy recovers is surely not much of a deal to them if it means increasing the likely hood of a full or much higher return on a debt than instant pressure does and forcing many to bankruptcy where they…
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Mortgage after an IVA
My other half has an iva that is due to finish (we hope) Dec this year, i have a mortgage on my flat, he has no other ties than the iva, we want to move as we have a young child and want another one in the next year or so, however i am concerned that we wont be able to get a mortgage together, as with both our wages we…
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what if I do this?
:confused: What would happen if I moved into rented accommodation prior to entering an IVA so that my credit score isn't damaged? Would that be illegal> I 'm considering possibly handing over the keys to my home which is mortgaged (but not in arrears) . The mortgage is currently on a standard VR mortgage, but I have no…
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question about tax return and iva
Hi. Does anyone know if I can claim as a business exspense or have to pay tax on my iva of £215 a month? Just submitted my tax return and don't have any money or the chance to save to pay the £2000 they want. However, when including my iva figure as an exspsense, I can afford to pay. This will either make or break me.…
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On IVA and still having problems....
Hey All, I have been on an IVA for just over a year. Now on my second year. Everything was looking fine. In the first year my debt to HMRC (Income Tax) was included, but after my IVA and my lowest outgoings, I only have around £30/40 to my self for emergences/extra. I now owe an extra £2600 to HMRC which will be due in Jan…
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DRO Help
Hi guys, Hoping I can get some advice from you all... Had my CCCS counselling session today and we have agreed that DRO is the best way to go. They asked me to obtain a copy of my credit reports, which I have done online and come across a worrying thing; in the fraud section there is a 'Previous' fraud logged under…
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Eurodebt
Has anyone had any recent dealings with a company based in Bedford by the name of Eurodebt?
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3rd Year of IVA, now THESIS SERVICING/Link Financial Services Chasing me
Hello, I hope I have entered this into the right section as it is my 1st forum posting. I will try to keep it short. Basically, I entered into an IVA in August 2006 and have kept all payments up to date with no issues. However, last year one of my three student loans (which had been formally agreed by the SLC to form a…
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Has anybody done a DRO yet?
Seems to have gone quiet on the DRO front.... Has anybody done one, what happens? :D
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help please !
i am now currently coming to my 2nd year review on my iva ! i have never missed a payment however the middle of last year i was struggling to pay my payments so i used a credit card that was still in my possession and know it worries me that when my ip wants to see my bank statements it will show up the payments made to my…
