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failing IVA
hi guys, myself and my wife are just entering our last year of our IVA. when we did our last review in 2008 we were told it would be our last one. we've just found out that we are having another one now. trouble is, once we thought we had our last one we relaxed a little. i have a credit card, van finance and a catalogue.…
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iva help!
my parents have debts of close to 40k, they're seriously struggling money wise (can't pay bills, missing credit card payments etc). my mother has been in contact with bestdebtsolutions.co.uk who are coming to the house to speak to her but in the meantime i figured i'd ask here. i read up on dmp's and iva's and figure the…
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IVA and getting Married
I am currently doing a DMP with payplan, however, my advisor has suggested that an IVA would be better for me as it would clear my debts sooner. I am due to speak to their IVA team next week. I am due to marry my fiance next year and he has a plot of land on which he is going to build a house where we live, is it possible…
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IVA - maternity & gradually reducing salary
My OH and I are looking at an IVA - we have a combined debt of around £55k. Our current income is £3780 our outgoings are £2555 and minimum repayments are £1450 meaning that we're down -£225 per month, which I'm managing with my last remaining credit card that has space on it. We're very close to the point where we can't…
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IVA - options
Hello, My partner is currently in an IVA with a company called creditFix. i have some questions I would be graful if someone could help me with please; 1) Has anyone heard of 'CreditFix' adn are they reputable ? 2)Whilst in an IVA can someone else put a charge on the property or does the IVA agency (CreditFix)have total…
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Got a DRO yet still harassed...
Hi, my DRO was accepted on 10th june (6 weeks now). I assume the insolvency service has sent letters to all my creditors and some have sent me letters acknowledging that they have recieved a letter about DRO and want to know my expenses per month (yeah right, jog on).. anyway, I am still being harassed by some companies by…
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Iva question
Hi all Hoping someone can give me a bit of advice on an IVA issue please. I entered into an IVA back in 2002 and duly completed this in 2006. However I received a phone call the other day and a letter to a very old address from Wescott chasing a debt on behalf of the RBS. Now upon checking this debt it does not appear on…
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2x iva's, 1x house, 1x wishes br
hi sorry, just another question both my oh and myself have an iva each, we have a mortgage (in both names), the promlem ismy oh wonts to go BR, if i stay with my iva, will the house be included in his BR (as assets). i dont wont to loose the house??????? many thanks
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change iva company while in an iva
hi all could i have some advise please i have been in an iva since sept 2007, my company is money, debt and credit. i think i pay them about £8000 to help me. i have read lots of posts on this great foram and site. when i took out my iva i didnt know about payplan and cccs (free of charge), is it possible to change my…
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Credit file clean up after !!!!!!
I have just had my full and final settlement accepted after 2 years of payments into my IVA. What I would like to know is should I start getting my credit file in order now or should I wait until when my IVA would have finished (2012)? Also, when should I start the process of repairing my credit rating and does anyone have…
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Mortgage Payment Breaks with an IVA
I am currently in an IVA with Grant Thornton and I have recently applied to take a mortgage payment break with my mortgage provider Northern Rock. I've been told off Northern Rock that I need to get GT to send them a letter confirming that I am allowed to take a mortgage break, once they receive this they will let me take…
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DRO Could I get one?
Hiya, I am intrested to know wether I would qualify for a DRO, I am on full Employment and support allowance this is being reviewed as I am unable to attempt a return to work at this time. I will post a copy of my SOA I am on Housing and council tax benefit as well and my parents pay the contents insurance but have…
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bank account disclosure
Hi there, we are taking the first steps and opening hopefully opening a bank account today. Can anyone confirm if we have to tell them that we are entering into an IVA.
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Can I lose My home on an IVA
We have over 60,000 debt with around £600 a month left to use for reppayments. (could probably do £700 at a push) We have been told we could do an IVA (from cccs) but when reading the agreements it says we may have to remortgage OR SELL our house later in the plan. I am happy to remortgage but really dont think the bank…
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please explain
Hi I currently have a major debt problem, 30 k to be honest. I have nowhere to go with my mortgage and I am now really struggling to pay cards etc. Can someone please explain what an IVA is, who is best to deal with this and would it affect my wifes credit rating-The cards are in my name. I realise that I would have to pay…
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Now and the future
Hello all. Not a newbie, been looking for a while now but after some time thought it might be nice to give you an update of my journey so far and looking for some advice. As you can see by my signature i'm in an IVA and have been for three years now. It's not been easy as all of you in one will know, but seeing my "Chuff…
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Considering an IVA
Hi all, im new to this site so would just like a bit of advice please. Me and my husband have about £33,000 worth of debt between us. After speaking to CCCS we have been told the best option would be an IVA, there are a few things that were not sure about though. My husband works full time but through an agency, so he…
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IVA F&F offer
Hi all, I wondered if anyone could advise on an appropriate F & F offer. My husband has an IVA which is due to complete Oct 2010 and we'd like to try and clear before then. We understand that it'll stay on his credit file for the full 6 years from the start date. Any suggestions would be great, thanks in advance.
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IVA & The Future
Hi guys, I have been a bad situation with my money for the past year. I have run up a total of approximately £3,800. I was looking to get a consolidation loan so I can have one monthly payment, but it seems my credit rating doesnt allow me to get this. I have told my Dad and he has been supportive. He had told me he doesnt…
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DRO help
Hi peeps Need some help, having a bad time atm so any advice welcome just a few questions about DRO and joint debt with the ex 1, My name is currently on my old property, which i no longer live in my ex has said she is trying to get my name taken off but will it stop me getting a DRO even though im no longer living there…
