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Agreeing on finacial statement.
Ok so I am coming up to my yearly meeting and have just had a phone conversation with the lady dealing with my case and I just want to scream at her!!! We were going through my expenditure and she said to me well you can now afford £503!!! I was like how does that work when I now pay full rent of £575!!! She was like well…
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dro ASSETS?
Hey guys Im asking this question on the behalf of my mother shes not quite clear on the assets part? what do they class as assets? also i live in the same home will my poccessions be affected!? Thanks sam
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DRO and council tax
Hello everyone, Please can someone tell me if council tax can be included in a DRO? thanks
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IVA'S- how it does it affect your partner
I have been in an IVA for nearly a year in which our joint overdraft of £2500 was included.No problems until last Friday when my wife received a letter from previous bank demanding she pay up within fifteen days or she would be blacklisted. Can they do this?.Surely if this bank agreed to their part of the IVA then how can…
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I'm not sure if this is the right place..
But I'm in a major hole. Over the last 12 months, I've seen my marriage dissolve and a period of 'no fixed abode' placed upon me, additionally, I've been made redundant from a good job (30k+ pa), this was a job I'd been in for last than 12 months and so there was no redndancy payment made. As a result of me having no…
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Full and Final IVA and rebuilding
Hi all, I managed to arrange a full and final IVA in 2008 through MacCambridge Duffy (Highly recommended for their customer skills btw) We raised the funds for this through a private loan with my in-laws which we are paying the repayments to them over 5 years. (4 to go) Basically my wife and I have a 5 year plan now, that…
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waiting to do a debt relief order
i have been offered a debt relief order. i am waiting to get the £90 together and to arrange my bills around allowing for the £90. i just wanted to say that i am needing this so badly i am a bag of nerves, paranoid, cant open the door, open letters and dont want to go near the phone. my debts arent credit card or huge…
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Defaults
Helloo...does anyone know if there is anyway to get a default removed now that it is satisfied or even if the money has been written off and there has been no activity on the account at all?! I know really that they are supposed to be on for 6 years but is there not like a nice begging letter available to request it to be…
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Post IVA Clean Up - MBNA have done it again!!!
Hi all. As some will know I have just finished my post IVA clean up........or so I thought. The last on my list was MBNA who just needed to show my Default date as the IVA commencement date. It has only been 5 months now in the waiting. They had done this as required last month.....Yay!!!! Went onto Experian site this…
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Selling car during IVA
Hi all, My husband and I are 6 months into our IVA and he is looking to change jobs to something a little better paid. Another advantage of this job (if he gets it!) is it comes with a company car. I already have a lease car through my work and he has our other car, which we will sell if he gets this job. Does anyone know…
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IVA - Not what I thought!
Hi Im a newbie here but would like to explain my position and perhaps someone mayer be able to offer advice. After many telephone calls and after looking at my debt spiral I decided to take advice via Baines and Ernst. They did an initial interview to ascertain my circumstances and then passed me over to Blair Endersby a…
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Iva/dmp?
Hi all, After reading some of the other posts in this forum, it's given me a lot of hope knowing that I'm not the only one who is in a pretty terrible financial situation. Right, my situation might lead to me getting a bit of grief, but here goes. I'm 26 years old, I currently have 8 creditors and 36000 of unsecured debt.…
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Independent report
Hi There has been some interesting exchanges on here as of late on the subject of Free Advice & Fee Chargers etc. Here is a fairly recent independent report that covers this area. http://www.moneyadvicetrust.org/images/fee_charger_research_final_report.pdf IVAs & bankruptcy are covered and other routes that may eventually…
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IVA....Scared
Hi,* Please be patient with me I am wanting advise as I am at my wits end,cant sleep etc I expect people here know what I mean,whats worse is I know its my own fault,I have always put providing everything for my family before considering the consequences and now I am paying the price.Although I am just about paying the min…
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Length of IVA and early settlement -any ideas?
Hello, I have been in my IVA for four years it was originally set at 60 months.Due to life up and downs i had it extended to 72 months so i could reach the original dividend.Low and behold Within three months of the extension i received a promotion at work and was able to return to making the original monthly payments, but…
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debt relief order PLEASE HELP
Hi folks PLEASE HELP This is my first post :j I am in a bit of trouble with debt :( i have been to the CAB and they told me to send a expenditure list to my creditors which i have done yet they are still looking into legal action :cry: What is the best way for me to obtain a debt relief order???????????? Many thanks in…
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Looking into IVA advice plz
Ok my wife and myself have for many years been perfectly paying off our debts but circumstances have changed. I am now unemployed working realy hard to get a job again. My wife is self employed but finding it realy hard so is actively looking for employment work instead. We have been to the CAB and taken some advice from…
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Completed IVA & need advice on credit file tidy
Hi all, I am delighted to say I have recently completed an IVA after 5 long years ( I can still hardly believe it) and wanted to firstly say to all those currently in one, it does get easier so hang on in there. I am in the process now of tidying my credit files with the 3 credit ref agencies and it has thrown up a few…
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DRO Help please.
Hi all, (please excuse the heading I mucked up) I need some advice about IPO/IPA's I will try to make it brief but will have to give you some background. Myself and my wife went BR in July 09, I am not working but she works 16 hrs a week. My files went to one office her files went to another office I think because she had…
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confused dmp or iva
Hi i will apologise if this is a stupid question. I have £30,000 worth or credit card and loan debt and am strugling with payments although at present am up to date with all minimum payments, I have realised i can no longer continue to pay debt with more debt, I can reaslisticaly afford to pay £450 a month instead of £850…
