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Debt Relief Order and Rent Arrears
Hi All I have looked at some of the stickies but maybe did it in too much of a rush so forgive me if this is a very common question you have to answer all the time. Am asking for someone. Person concerned is considering a Debt Relief Order. She is a tenant of a Social Landlord (Housing Association) and has rent arrears…
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DRO ended today
Hi guys i just want to say thanks to all the people who gave advice when i was appiling and to say i checked the IS website this morning to be told thr dro had been deischarged/ended:beer:
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IVA Debt Resurfacing
In about 2001 I took out an IVA. After about 2 and a half years I decided to remortgage my house (which in hindsight was what I should have done in the first place) and made an offer to the creditors, which they accepted. The IVA was settled, over the next few years I managed to repair my credit rating, and everything was…
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DRO and temporary position.
I have been offered a temporary position, for one month. However, It could become permanent after this time. I have a DRO and have just over 2 months until my discharge date. Do I take the job and let the Insolvency Agency know, or do I wait until the provisional period is over before making contact? I don't want to have…
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On IVA but still have credit card with credit available, can I use it?
After I was accepted on to an IVA, my creditors froze my cards so I could not use them, except one card which I never owed money to. They seem to be unaware that I am on an IVA and my credit limit with them remains in tact. Could I use this card only in emergencies? If so, would my creditors find out?
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Starting the process
So i went through the online budget info on CCCS and it came back with the option of bankruptcy. I don't want to do this as I work for a building society and the thought of bankruptcy after never missing a payment scares me! i've built up £38k of debt and today called up a couple of big credit cards and my two big loans…
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Iva redundancy maternity help
Hi There Would arreciate some help if possilble. I'm in an IVA which I'm due to make the last payment to in July this year. My life has been on hold for 5 years and I think I should have just gone bankrupt in the first place for all the hassle the IVA has caused me. I am 33 weeks pregnant and was made redudant on 30th…
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Sent Debt Relief Application back to CCCS
Hello, In April, I called CCCS to discuss my debts totalling £11,000. I had lost my job in February and started claiming Income Based Job Seekers Allowance in March, which I still receive. They suggested that, because I do not have more than £50 spare every month, I could apply for a Debt Relief Order. They sent all the…
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Near the end of my IVA
Apologies I mistakenly posted this on the wrong board Hi, I suppose I have a couple of questions on this topic, I hope someone can help me. I have currently and IVA to pay off my debt that owe due to personal debt, This agreement is due to end at the end of september. After 18 months of paying half a grand of my salary to…
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DRO, what happens after 12 months
what happens, do I get a letter, do I get a phone call exactly what happens?
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what happens next
Hi got my money and forms filled in, rang court got a date Just wondering what happens.next Thanks Richard
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salary
I haven't posted over the past year and now several times in one week..typical. quick question - just found out hubby is owed money from previous salary that was owed to him prior to IVA - obviously it will show up on his wage slip.. will the CCCS want it (less our 10%) even though it was owed prior to start of IVA? Of…
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please help
hi please could some help me to help my daughter she is on a DMP at the moment and has been for about 1 and a half years her husband is pays around 700 a month on his loan and 2 credit cards which he is paying the minimum on the credit cards each month and can just afford the loan each month. They have equity in there…
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please help on IVA
hi my daughter and her husband are in alot of debt at the moment my daughter is on a DMP has been for 1 and half years her husband has debts as well which at the moment he is paying they amount to £700 a month. They are finding it hard to manged as her husband is selfemployed and does not always have work she was thinking…
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IVA, Car insurance and Credit checks!
Sorry if this isn't the best place to post this. I have been in an IVA since the start of this year, and hence my credit rating is trashed. I have just had my car insurance renewal quote, and I want to change insurance companies as the premium has increased considerably. My concern is whether the new company will run a…
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IVA Quick question
Can anyone tell me what impact an undeclared debt has on an IVA arrangement ie if someone has an IVA and they have debts they have not included a. can they do this or b. what happens if the person/s they owe the debt to comes chasing them does this have an affect on their existing IVA? thanks in advance
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iva good idea?
Hi i am thinking of taking out an iva, does anyone have any advise? My household is going to be £200 a month worse off and i cant see a way out other than this. I am in dept management but want to add a 2750 overdraft onto my plan and cant think of any better and quicker way to pay it all off with an IVA. Also i rent with…
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Expensive car repairs..
It never rains but pours eh... We were allowed to keep the car for travelling to and from work, but major work requires a repair bill of £1,800! (car is not worth that) Which we haven't got - anyone have any thoughts on what we can do? Are we allowed to change the vehicle and try to buy one that doesn't seem to cost so…
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Is an IVA or selling the houes the answer?
Hi, I would be grateful if someone could give me some guidence on this one please. To cut a long story short my husband is £37,000 in debt. In November he suffered 3 mini strokes, because he was a lorry driver he lost his licence so could no longer do his job. He if fully well again now (thankfully) and has since got a new…
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House Insurance V IVA
Our household insurance requires renewing..we've just read small print that states we have to notify them if we are bankrupt (I guess if not they would not cover us if we had to claim) - would the IVA be classed as in the same category?
