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IVA question
Hi, wasn't sure which forum to post this in, but I guess more IP's read this one so here goes: Myself and my partner have a joint IVA, mostly credit card debt (mainly charges) and about 20% HMRC (which might end up at 0 outstanding when their investigation is finalised). My question is, can I still claim back bank charges…
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Debt Relief Order's & The Dept of Work and Pensions HELP
Hi Guys, Hopefully somebody can help as I know we have a few Debt Advisers on here and as you will probably remember you helped me when applying for my DRO. My DRO was granted on the 14th May 2009, at this point I owed the Jobcente for a Crisis Loan that they had paid previously. I called them and informed them of the Debt…
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Will I lose my Pension ??
Can anyone tell me would I lose my Pension (Ex-Serviceman so I have a Service pension) if I went for an IVA or Bankruptcy. :confused: The House is in Negative Equity but guess I would automatically lose the house?:confused: Thanks in advance for any info you have.;)
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DRO and assets?
I'm a full-time mature student and live with my partner. I'm hoping to see a CAB advisor next week about a DRO. I owe around £12,000 but I'm concerned about what counts as assets. Is a DRO like Bankruptcy where 'tools of the trade' are exempt from being counted as assets. I'm on a IT course so I have a bigger-than-normal…
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Is an IVA for me ??
I owe about £23000 of debt, as I have a mortgage but very little equity Im wondering if an IVA would be best for me as I dont want to lose my house, with 2 children and a mortgage with my ex. How would it work regarding my partners income as he pays for the bills etc, I recieve DLA for my son, carers allowance, CB and CTC.…
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minus income.....what happens now?
hi all myself and husband both have iva's. husband now redundant. belowe is a short version of my soa... bills, food, petrol, mortgage, iva etc (outgoings)====£2000 per month my wages (income, not including usual benifits)=====£900 what happens now?????? any advise will be great thanx
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Arresting Wages
I have a secured trust deed (as of June 2009) and Barclays Partner Finance keep contacting my house and leaving messages with my mother. I was told I am not legally obliged to call them so I haven't. I'm currently on holiday and my mother just called me to say that they called again and are threatening to call my work to…
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Is an IVA an option for me?
Hi, Northern Rock have finally sold my house (it was a vol. repo.) and have sent me a letter detailing the shortfall. I had a Together mortgage which was part secured loan, part unsecured loan. The total amount they have calculated as being owed to them now is £54,158 all in. Based on my current SOA I have around £316 a…
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Trust Deed - satisfied? I am confused!!!
Hi I am in a Protected Trust Deed at the minute that is finishing early next year. It started in early 2007. Out of interest, I have got a copy of my credit file. As expected, the PTD shows on there. For example, the date it started was 10 Jan 2007. However, in the same part of the credit file it says 'Satisfied: 27 Feb…
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IVA (I think) with Baines and Ernst
Hi everyone. Newbie here :j Hopefully I'm posting this on the correct board, so here goes. Like many people, I have some serious debt problems. 100% of my debts are on credit cards - I have no loans, overdrafts, etc. Just cards. In an act of desperation last week, I called Baines and Ernst. I'd called CCCS earlier in the…
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IVA Help!!!!
Hi, Hope someone can help me... I'm nearly one year into my IVA... I am struggling to make the payments but coping at the moment (I'm currently living at home with parents). The problem is I can't stay at my mums forever (I ended up in the IVA after I split with my ex partner and my house was in negative equity... I was in…
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Help and advice needed re debt ??
Hiya Ive been stickin my head in the sand for quite a while now and things are really spiralling i really need help and advice ! My hubbie was made redundant in 2005 was out of work 4 6mnths so we basically lived on credit until he found new employment which was lower paid, we basically just managed through until Nov when…
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Hmmm....a pondering.....DRO related
MY DRO has been in place since May, and gradually Im trying to get my life back on track. Im hoping to go to college in September, but one thing is holding me back....... The course I intend to do is an ILEX course, training to be a legal executive. Having researched on the tinterweb, it seems that becoming a member of…
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Question re IVA
If you fail one IVA [and are not made BR by any of your creditors] can you take out another IVA ?
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IVA or Bankrupcy... deep breath
It's a very long story so I won't bore you. Much of it has been said before with many it seems in a similar situation. Ours has been a downward spiral the last 9 years starting with a bad back. Not being able to work, not being entitled to benefits and living off CC much to my shame. We also still have a Spanish mortgage…
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Black horse finance
Anyone had any experience of Black horse finance? Are they linked to LloydsTsb? Thanks
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Debt Relief Order
This would be a life saver for me if I could get my debts to £15k - I owe approx £16.5k and am trying to get money together with reduce this amount. I have two debts with my ex but I have taken responsibility for them - if I get the money together get him to pay the debts off and will then be within the £15k limit for DRO…
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IVA charges
Hi i first posted last week about starting a iva. have now had the proposal. They dont tell you at the start that they can increase the term of the iva if there is no equity in your house after 54 months.I CANT BELIVE THE CHARGES ARE £9000 if i make a arangement with my creditors paying £250.00 a month to cover all but 2…
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IVA and pregnancy
Hi all, I hope someone may be able to help me. I am in an IVA at the moment and have just found out that I am pregnant. What does this mean for my IVA? Will I have to fail it as I will be going on maternity leave? I will be able to return to work full time after maternity leave and hopefully have minimal childcare costs as…
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IVA Query
Hi Everyone I hopw you can help, I entered an IVA three years ago and two years to go before I'm debt free. My concern is whether I have been 'mis-sold' an IVA as at the time I lived with my parents ( I now live in private rented house) and had no belongings of any value and whilst reading a few of the previous posts it…
