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missing partner
I am being pursued for debt due to repossession of property which was in negative equity, i have co-operated fully with debt collectors and looks like i will have to go for and IVA. How would I know if debt collectors are activley pursueing my ex partner for his share of debt? Because I have responded are they just chasing…
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IVA - Living with parents
I have a total of £16,600 in debt to about 6 different creditors. This is not including my Student Loan which I am not including because a) I have been informed that they have a general bar when it comes to accepting IVA proposals, unless they are getting at least something like 70p in the £ back b) The Student Loan is not…
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IVA review - increasing payments!!
I posted this on the debt free wannabe forum but perhaps this is more appropriate? Hi, I'm brand new here, so this seems best place to start..... my SOA is below. I entered into an IVA in June 2007 with £77k of unsecured debt. I live at home with my parents (age 29, how embarrassing) and have no assets like property, etc.…
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Looking for a way out of my iva help!!
I have an iva worth £80000 ish, i am 2 years into it and was struggling to pay the direct debit every month so they extended it and its now over 7 years instead of 5 at a lower amount direct debit. I was wondering if i contacted my creditors individually and offered them £0.xxp in the pound to clear the debt myself instead…
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Dmp
Can anyone enlighten me more about the ways and means of a DMP and is it, as I suspect, better than an IVA?? John
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Does anyone know of any credit cards that are pre pay only - please?
Hi Have searched the site and cannot find what I am looking for. Does anyone know of any recommended credit cards that you pre pay onto and cannot use if you have insufficient funds, they are ones that do not have credit checks but I am aware that they sometimes charge a small fee.:confused: We are in an IVA and only have…
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bongo321
how do you qualify for an iva i am unemployed but recieve £750 a month pension does that qualify me thanks for anybodys help i am 21000 in debt
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Debt Relief Order - anyone know?
Hey You may remember me asking about some help for a disabled friend of mine Well, he has contacted CCCS and they have suggested a debt relief order, which he think sounds FAB:j Just one question he forgot to ask them; he knows his name will go on an insolvency register BUT, will his name be printed in the newspaper like…
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IVA bank charges can i claim them back
Me Again now the IVA uis paid off can i claim my bank charges form when before the IVa and my credit card charges as well please say yes someone thanks ......:beer::money:
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IVA FINISHED thank god "BUT"
:confused: We have just paid our IVA off thank god so now we are back on level pegging arent we NO WERE NOT went to see about mortgage ha ha big joke. We were told that when we paid it off we were supposed to be clear .No chance it stays on your credit file from anything from 3 years to 6 years . We have an income of over…
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Have an IVA but now need out...How?
Hi Guys! Two years ago I was in debt by £88,000. I was borrowing from 'Peter to pay Paul' constantly, and then it all hit home for me. I sold my house and used the equity to pay £18k off my debts, but I still couldn't cope with the outstanding debts. Evenutally, I started my IVA in September 2008, and the debts stood at…
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IVA in progress not showing on my credit report?!
Hi Everyone, Great forum! Would be very grateful for any advice. In July 2005 I commenced an IVA, lets call my address at that time 1 Skid Row. I had multiple defaults at that address which I moved from over 3 years ago. The IVA is showing on the Insolvency Register. Due to an excellent thread on this forum (it might be a…
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Debt Relief Order - quickest way of doing it
Hi, any help would be greatly appreciated. In essence my debt situation has got too much - and I just want to resolve it ASAP. I was thinking of bankruptcy - a good friend would be willing to lend/give me the £500 to get that done - but I've just been reading up on Debt Relief Orders. Basically I do qualify - the debt is…
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considering my options
Hi I am in a bit of a predicament at the moment. I currently have a bout £16000 worth of unsecured debts: About £8150 outstanding on an Egg loan (which I have already defaulted on due to them coming to an arrangement whereby they have frozen the interest and changed my original payment of £355 a month to £127 a month.…
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Release of equity after IVA
Does anyone know how you can re-mortgage or release equity to satisfy an iva? Who will look at the finance if you have 1. no credit rating 2. little income to repay the loan. and 3. are older. I am not in an IVA or DMP (yet!), but feel it may not be long away as business is suffering a downturn!
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IVA or DMP
I have finally realised that I have some serious unsecured debts around £30k - we have a mortgage which is repayment and a fixed rate deal which recently ended but which is set to a minimum 4.24%. I think we have very little equity in the house so a consolidation loan won't be approved. All of my savings are tied into a…
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In debt and dying inside
Two days ago i told my husband that i had £50,000 of debt. Creditcards, loans you name it. I kept this debt secret for 2 years. I suffered with post natal depression and spent spent spent as a way of coping and feeling good and that i was worthy. Before i knew it the lie was too big and so was the debt. I couldn't make…
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Scottish debt arrangement scheme
as described on moneyscotland gov uk clear debt 10 years, interest frozen Does any-one have any further information about this or personal experience of it?
