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DLA and IVA
Hi, does anyone know if Disability Living Allowence is can be included in iva? Thanks
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In an IVA and student loans have deducted money from my salary
Hi all, My IVA was accepted last month and I have already made my first payment, second to be made tomorrow. When I got my payslip this month, my student loan deduction has been taken from my pay. I know the student loan company voted against the IVA proposal but they are bound by it because the majority voted on favour.…
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What are the chances of being accepted?
Hi everyone, just looking for advice or if anyone has been through the seem please feel free to join in.. Cutting a long story short, i entered into a Trust Deed last December, it failed to become protected, IP resigned as i didnt want to go bankrupt, i then went back into a Debt Management plan in March 09, I have now…
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implications of ending iva
I am considering ending my iva as i cannot afford to pay it. I was wrongly advised to begin with and should never have taken it out as i have no assets to protect. I was wondering what the implication will be? Since taking out my iva I have now moved out of my parents house and in with my partner. Will their…
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hi can someone please help
i have split from my partner after 5 years, we ran up debts with a bank of £5.500 on a joint account that we have a ccj on in each name seperatly wanting full amount. we had it with payplan and since the split she has removed my name and i have received the judgement but nothing else so dont know what to do. we have agreed…
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Got to move to DMP, Northern Rock wont play ball!
Hi, Just wanted to say thanks to all for your support and answering my questions. We have spoken to our IVA company and we we're told that Northern rock have changed their minds and now wont go ahead with IVA, (as they are 50% of our debts our iva company decided to canvass them first) after we agreed that we would go to…
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Alomost there!
I'm at a point in my IVA that I never thought I would reach. I'm in the final year of my arrangement, only 11 more payments to go! Although things are a struggle, I should be able to make it to the end without too much trouble, after which I'll be £400 pcm better off! For those of you that are the end of the credit highway…
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IVA IP costs £360 is this normal?
Hi, I am considering using Churchwood for an IVA. I know that I am elible and I have considered all other options. The financial advisor has said that I will need to pay £360 which is non refundable for the proposal once I have filled out all paperwork etc. But he told me to cancel all my direct debits to my creditors…
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Questions on cleaning up credit file
Having read the IVA and Bankrupcy clean up 'stickies', I'm a little unsure about some of the mechanics, so here are the questions - 1) The BR letter seems to imply that clean up can only start after discharge. What is the situation for IVA? Can it start while the IVA is underway? 2) In our own case the IVA failed, and we…
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IVA or DMP?
I have debts of around £44,000 6 creditors Money left over after all essential spending is £292 Would you go IVA or DMP? I'm veering towards DMP as it seems less invasive, our house is mortgaged, not enough equity to remortgage. I cannot see anyone about this at CAB for 3weeks! Who else should I see/talk to for independant…
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IVA dilemma...
March 2007 I entered into an IVA with Freeman Jones. This was for £302 per month for 5 years. Payments have gone up to around £340 due to my income rising etc. ANyway, our situation changed and can onyl afford £200 per month, which the Creditors have accepted. I have another 2.5 years to go until completion, which will see…
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Orange Phone Contract
Hi Guys could someone please give me some advice. I have a htc hd phone on a 24 month contract taken out jan 09. I am now on my 7th handset as the phone keeps freezing. I have today been offered two different phones. I do not like the phones orange has offered me one is a flip and the other has a plastic screen. Do I have…
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Churchwood IVA - Safe or Unsafe?!!!
I would like to know about the credibilty of this company as I am considering using them to do my IVA which sadly due to the credit crunch seems to be my only way out of the ever increasing debts! I am certain that I am eligible and I don't have an account with Northern Rock who I heard were refusing IVA's. The financial…
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Can you help me ??
Hi It looks like I will be going down the route of an IVA. I have unsecured debts of approx £40,000 my house is worth £105,000 and I have a secured loan on it of £67k so a secured loan or remortgage will not work. I filled in a form on Money Expert ( part of Experian ) who have suggested an IVA. Now has anyone used Money…
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Looking for advise.
Hi I really don't believe there is anything I can do, I am a realistic person and know that I have put myself in this mess, but I am now stuck and really not sure what I can do if anything. Ok so, starting from a young age I managed too get my self in to a fair bit of debt, i managed this but it just seemed to grow and…
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Trust Deed failed to become protected?
Hi there Hope someone can answer this question, if a trust deed fails to become protected can the debtor go back into a debt management plan and the IP resigns? The reason i ask is this happened to me at the beginning of the year and im panicking thinking i have done something wrong. The IP did send me a letter stating…
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Very Quickie One! Prob a yes or no answer
Hi If my F&F offer is accepted by my creditors (already been approved and passed on by my IP) If they accept it, will I still have to pay the Supervisory fees? thanx:p
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Northern Rock changing their mind.....
on our IVA proposal, the person dealing with our case at cccsva called today to cancel our next appointment as there is no point having it at the moment as NR have contacted them, having already said yes they would agree to proposal if we change to a interest only mortgage, have now changed their minds and said they may…
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Are you currently in a DRO?? have you tried renting a house or getting a new job?
Please tell me if you have been affected, or if this has casued you any problems. Thanks.
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Debt relief order and change of circumstance
Hey all, this is my first post here, yay!!! So i'm looking into getting a dro to help with some horrible debt i got dumped with from my wonderful ex-husband... i was told by citizen's advice that if i had ANY change in my circumstances while on the dro, it would be cancelled and the interest accrued would also be aded to…
