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Advice..
i currently live with my parents and knew they were in an IVA. However they have missed a couple of payments and I think its failed. They havent actually told me this but the way they are stressin over money at the moment im takin a stab in the dark they have no clue about pc's so wont come on here and i know they are…
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lots of money
hi my iva has been going for nearly 2 years, if i won some money, say £1000,(for example) i have to give the company 10% over the value of my wages and then 50%. is this true??? or how do they work it?:confused:
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Deleted
deleted sorry
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How do i find out what bills are outstanding for my DRO
Hi i know about checking the credit search sites like credit expert and equifax ,its just that these are showing the same amounts as each other.The question is is there any way of finding out about and debts not listed on them as i dont want any nasty suprises Sorry for asking a daft question G
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Talking to creditors after DRO
Hi; I was just wondering if you had to talk to creditor's after taking out a DRO. When I went bankrupt - I told all my creditor's (and my husband's) when they called that we were bankrupt and they were fine with being referred to my OR. My parent's however took out a DRO on Wednesday and Abbey are insisting that they will…
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IVA and renting...is it possible!?
hiya all, not sure if i've put this on right forum!:confused: Basically i still live with my parents and want to move into a rented flat... however im on an IVA... will this be negative on my credit file!? and can i rent while on the IVA ( i have had an increase of wages so know i can afford iva and rent!?) thanks for your…
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can anyone help me about iva info
i have debts of 40000 in credit cards and loans i have been contacted by debt line to go in to a iva they tell me i would have to pay 319 pm for 12 to 15 years am i doing the right thing they have allready taken 319 for the first months payment ,i dont want to lose my house will they make me sell and can i get out of it ,i…
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Struggling in IVA - considering bankruptcy??? HELP!!!
Hi. I am new to this but was after some advice. My husband and I got into financial difficulties last year and in a nutshell have entered into an IVA. We are only 3 payments in but im beginning to have doubts already about the feasability of the IVA. The IVA literally takes 100% of our spare cash (and more!) and we were…
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turned down for IVA
I am currently on a debt repayment plan that doesn't seem to be going anywhere i originally owed 28,000 this time last year and now owe £34,000 even though i have been paying into this plan. I applied for an iva but was turned down. I feel really lost and don't know what to do feel like i am going to be paying this off…
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last question re dro
when does it appear on the insolvency register, and where about do you search for your name?
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IVA or Bankruptcy
Hi. All advice gratefully received. I am currently considering the pros and cons of IVAs and Bankruptcy. I do not own a house, my car is only worth £2k and I do not have any other valuable assets. My debt is around £37k. Using the CCCS Debt Remedy tool I have a monthly surplus of about £350. I am aware of the slight…
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Husband in IVA
Hi there, My husband plopped himself into a IVA earlier this year. Because we are living together they wanted to know all the household bills and worked out a income/expenditure chart. As my husband was unable to afford it all by himself, they asked me to sign a piece of paper that stated - "As you are aware, your husband…
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lost
Due to personal circumstances I am now at a dead end.....basically all my options have run out...and I can not see any way out. Anyway I am 35k in debt and charges alone are becoming impossible to sort. I am preparing a SOA and cut everything to the extreme. I personally have probably have to go either barkrupcy as a…
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Annoyingly...
I won £86 on the lottery via the online thingy.. how annoying is that - I am unable to transfer the cash into my bank account otherwise it will show up on my bank statements and the IVA will get it... now don't get me wrong - if it was in the thousands/millions fair enough then I could pay off the IVA ha, ha - so I will…
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Going for a DRO
Hi im going for a dro any advice would be great thanks ie bankaccounts what debts to include ect:confused:
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dro update
well i rang baines and ernest this morning to tell them that i had paid the money and the send the info off there and then, so fingers crossed it will be granted, thanks to godiva who pointed me in their direction
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IVA - how much do they take?
Am I right in thinking that if you enter an IVA ALL your additional income after essentials is taken to pay off your debts. Are you allowed money for anything like childrens' christmas/birthday presents or the odd day trip with the family? I'm not talking about expensive holidays or other luxuries just the things that make…
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dro help please
can i am going to tribunal for dla hopefully sometime in july, but could be up until sept at the latest, my query is if (fingers crossed) i get it, and it is backdated, what will this do for my dro? i haven't paided yet for it yet but want to and have the cash ready, i asked my intermediary who hasn't got back to me just…
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IVA and a seperate account
I took an IVA in November 2008. Included in it was a current account with Barclays which was approx £300 overdrawn. Two months before this in September 2008, my new partner put my name on her Barclays account. Since my IVA was approved, Barclays Collection Dept. also known as Consumer Finance, have pestered me constantly…
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IVA and redundant!
Hello all Can anyone offer any advice please? I took out an IVA in Oct 07 as I had un-secured debts of £27k and I was only ever managing to pay the interest. I don’t own my own house and don’t have any assets. I’m paying £390 per month to the IVA now and have been managing this well and never defaulted. The problem is that…
