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Pre-IVA - what do I do about creditors?
We're about to apply for an IVA - in the process of collating documentation. In the meantime what should we do with our creditors? We've been told that we need to offer an amount that's more appropriate to our disposable income but which also doesn't favour one creditor over another. How do I work this out? We haven't…
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IVA for 2.5M?
http://uk.news.yahoo.com/21/20090816/ten-neil-morrissey-in-millions-of-debt-5f8abb3.html Go on, that's having a laugh isn't it?
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IVA - Fail before even made a payment!!
Hi all. Ok, this is very embarrassing - here goes... marriage breakup, 2 kids, mountains of debt, house in negative equity still in joint names. Along came IVA option which seemed the answer to my prayers. My income figures included maintenance which was only ever agreed verbally. Ex started messing me around with money a…
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iva 4th year dilema
hi all i new so hello my partner ad i are in our 4th year of a iva we been told we got to get settlement figures for secured loan and mortgage get house valuation and remortgage offers to see if any equity is in the house to pay of creditors. trying to do reserch on the net to found out what happens if we cant remortgage…
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Mobile Phone query
Hello, I had my IVA accepted last week and have a question regarding mobile phone contracts. I currently have 2 contracts one with Orange and One with 02. I moved the 02 contract to my new bank account, but the orange I left and have not paid since june. I no longer use the orange phone at all and it has another 6 months…
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DRO question
Hi all, I am in the process of going BR, however my DH has decided to try for DRO instead as his debts are only about £5000. My first question is, is there any exemption for the fee as he has no income at all. Secondly, if my mum was to buy us a car and we put her as the owner on the V5, but we used it could that still be…
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My IVA start to finish
Hi all, I thought i' just post my story, Basically i started my iva in march 2005, before i went into it i was paying about £400 a month in credit payments to over 10 different credit cards, loans, hpi, overdrafts etc. I wasn't on a particularly high wage, i worked part time as i had a 2 year to look after and had to pay…
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DRO, beneficial interest and other half
Sorry if I've not posted this correctly - am getting used to the site! My other half is being advised to apply for a DRO, but have also found out through Payplan that he may have a beneficial interest in my property, which will impact the DRO application? I think?. The house in in my name - he moved in after I bought the…
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IVA choices !
Hi, With a joint debt of £27k on a loand and credit cards, we have been looking at ways of reducing our monthly payments as getting through the month is getting more and more difficult. I have looked at CCCS, done their debt remedy thing, but really dont think I can enter into attempting to do this, as there is no legally…
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Payplan or CCCS
We are in the process of talking to both payplan and cccs with regards to an IVA, can anyone tell us if they have dealt with either of them for an IVA and what good and bad things you feel about their services as at some point we have to choose between them and we're not really sure which one at the moment.:confused: Thanks
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Credit after full and final IVA
Has anyone managed to get credit after completing full and final IVA or do you have to wait the full 6 years? My son is getting married and i would really like to help them out financially and was hoping that i may qualify for a loan with someone. IVA was completed in October 2007.
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I done my DRO application today
Hey everyone! I filled in my application form on the phone today and was told I find out if was accepted tomorrow or Friday. I so hope accepted tomorrow so scared right now.
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Filled in dro should find out tomorrow or Friday
Hey everyone! I filled in my dro with Baines and Ernst and I find out tomorrow or Friday hopefully if i been accepted. I hope I am as I only get jobseekers and that payed out. Does anyone no the chance of been accepted or rejected[/
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iva mess
my hubby and i made the biggest mistake in entering into this agreement 2 1/2 yrs ago. don't believe the companies are there to help us just themselves.does any1 no a way out of an iva without resorting to bankruptcy as i don't want to lose my home and we haven't got the means to pay it off early
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got all paperwork for IVA, enormity hit me.
I have been organsising an IVA with payplan and I have today sat down, taken a deep breath and opened all the nasty letters that have been mounting up in the hallway, and I have all my paperwork in place, but now I have, I feel awful. I cannot believe I have let myself get into this diabolical state, all piled up on paper…
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IVA paid
I have eventually paid off my IVA. How long will it be before my credit rating improves?
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DRO and mature students
Hi, I have been offered a place to study at University full time starting in September, this is following a hard couple of years where I was medically discharged from the RAF and unable to get permanent work. I have debts to credit cards and banks totalling £9000 which I have been paying back through a DMP via Welcome…
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Should I go for an IVA or a DMP? Or neither?
Hi there this is my first post (I hope it's appropriate). I have the following debts: Parents £14000 Uncle £2000 Cahoot overdraft £1000 Cahoot credit card £3500 NatWest loan £1700 NatWest overdraft £700 Tesco credit card £600 Amex credit card £1100 Council Tax £800 Total £25400 Including wages and benefits I take home…
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Debt relief order question ?
Hey everyone! I was wondering if anyone know how long the debt relief order takes once you paid your 90 pound fee? I have look online but can't find anything. Hope you can help
