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DRO ends tomorrow.....how should my credit report look?
My DRO ends tomorrow (fingers crossed):T, and I have just had a nosey at my credit report. The report overview says amount owed £0, and all creditors listed as default......is this correct?
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Credit clean up problem (ICO)
Some background, I had some troubles in the past so entered an IVA to help myself. Later I was able to end this early and so completed it successfully. Last year was the 6 years post IVA so the time when my credit reference should be clear so I can start again, or so I thought… I checked my credit reference through…
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problems renting with iva
hi I'm currently living at my parents house and was due to move into rented accommodation next week however it looks like it has fell through as I was not accepted by rentshield due to having an iva.I made them aware of this on my application plus the new landlords were aware of this and everything was ok. Had good…
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Cant have IVa
HI we been in debt management for two years with Payplan today we got what a lot of others seem to be getting which is Marbles starting to charge interest again. (wonder if the government told them too!!!) ANyway with the interest we will now never be able to pay this debt off so we thought we would look at an iva spoke to…
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help on an iva please
my wife has just been told she can only get an iva if both our income and expenditure are shown ??!! let me explain we live together for a finance point of view only and we have sepetate accounts and no financial asscoiation - its her house so surely this is not right that they ask me to be included ? i have stated i will…
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IVA finished, now what?
My iva finished november 2009, I have recieved my completion letter, but still cant get anywhere with new credit. Enquired at my bank (Barclays) about a credit card but credit score not good enough, and now have had 2 mobile phone networks refuse me contracts, 1 even refused a £15 a month sim only pack even though I…
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IVA proposal help needed
Filling in my IVA proposal and need some help with the summary of events leading to my finacial difficulties. How much am i expected to write?How much detail? Can anyone give me some guidance, thanks
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IVA v DMP - I really need advice
I could do with some advice - maybe from someone who has been in the position of being on a nver ending DMP and wondering why on earth they didn't go down the IVA route. I have been on a debt management plan for almost 2 years and whilst this has given me control over finances again and I have always viewed it as positive,…
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private renting a house & renting ours out, can it be done??
Hi all Were in year 4 of our IVA, and its flown by!..Its a joint IVA and weve been good. The thing is, i start university in September, and want to move closer to the area, quicker, easier and cheaper, and my son is getting in with bad crowds were we live....after just getting over cancer i want a fresh start....and to get…
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Pay rise while in IVA
Hi I started my IVA with CCCSVA in January, and I assume that I will have an annual review in December / January. I have recently been informed by my employer that I have received a cost of living rise of 2.3% back dated to 1st April - I have written to CCCSVA to inform them of this. My question is will some or all of this…
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Lloyds tsb/bank of scotland - any experience?
Hi I was just wondering if anyone has any experience of dealing with Lloyds TSB or Bank of Scotland with their IVAs? I am currently looking into an IVA and hopefully will commence the process very soon, (just waiting for a callback after making the first very nervous move to contact CCCS!!!!). It is Lloyds and BoS that we…
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Confused
Hi My wife and I are both on an IVA and have had a statement ( or whatever) each. This shows our debts and what has been paid etc. there is a joint loan and bank account so each paying of on iva ,is it right that the full amount should be on both of our statements or should they be shared between us as it seems we are…
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Renting a property with an IVA
Obviously when renting they run credit checks on you and I have an IVA and my partner has debt management program in place. So ho do we go about renting either privately or with an agency when they run these checks - I don't want to fork out more money for checks if they are going to say no straight away when they see our…
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IVA taken over!
Can anyone help? I took out an IVA almost 3 years ago , the company that were supervising it have been taken over by another, and I'm not convinced they are acting in my best interests! Is there anything I can do? :(
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Desperate for advice and where to start with setting up an iva!!
Hi - please help, I'm in desperate need for some advice on the way out of my mess! My husband and I are £55,000 in debt (all unsecured), we do not own our home, we live in a rented property. We are really struggling, we have been for a while, but it's that old 'stick your head in the sand'. We have to address the problem…
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Review food, toiletries and cleaning
We are having our 1st annual review and at the moment we have £100. a week for food, toiletries and cleaning for a family of 5, this is not enough but as our mortgage went down we have had a little extra. I wondered what everyone thinks, do we need to pull our horns in even tighter or could we ask for more? Thanks
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How easy is it to get a mortgage in an IVA?
My IVA was due to be completed in August of this year, but creditors accepted an offer in F&F in March and I'm just awaiting my completion paperwork. My question is, how easy would it be for my girlfriend and I to get a mortgage with the IVA sitting on my credit file for another year? We have a £20k deposit sorted, which…
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Joint Mortgage and sole IVA: Can i get another mortgage?
Hi first time posting on here...hope you can help? I went into an IVA in January 2010 and obviously I am aware that I can have no credit for 5 years so 2015, but my husband has recently queried as our 2 year tracker mortgage finishes at the end of this year...he is convinced we will have to sell our family home as i won't…
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Divorcing, how to move forward?
I am just entering the process of divorce on top of awaiting my IVA proposal to be drawn up. Really I'm cleaning up my life after feeling like I've been dragged through the myre (sp) for so long. It is (so far) amicable, but I want to stay living in my house. I built it myself and put my heart and soul into it. It is the…
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Equifax do not recognise a DRO?!
I am going out of my mind with this one! Basicly I want to join Virgin Media. I was with talktalk but have serious internet connection issues, and my phone has become a fax line when anyone tries to call me. I have had these issues getting worse for the past year, I contact talktalk, the faults team explained to me the…
