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DRO Discharged?
Hi all, I have had a DRO now for over 12 mths (just) and have gone to the insolvency website and under status it says: Currently Subject To Debt Relief Order : Moratorium Period ended on (couple weeks ago) The debtor’s Moratorium Period End Date is in accordance with Section 251H of The Insolvency Act 1986. As of this date…
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Iva certificate
Hi Anyone know how long I should wait for this to come through. I made my final payment on June 1st of this year and I am still waiting. Also anyone have any idea who it is best to report an IVA 'collector' to..........the one I have been involved with is an absolute nightmare. Hopefully now debt free :think:
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Current IVA Question, adding a loan??
Long story short (and it is a long one!!). Im in an IVA and i have recently discovered that the loan i took out years ago as secured on my property is not actually secured!!! Can i now add this to my IVA as i am really struggling to pay it and im in arrears by 2 months (currently paying normal monthly payments). Any advice…
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IVA Abroad - Not getting anywhere
Hi all Hopefully, someone here might be able to point me in the right direction. I was living in the UK until around 18 months ago and now I'm struggling to keep up with my repayments in the UK. I think an IVA is the best solution and I can afford to pay £200-£250 per month on debts of around £21000 which is around 70% of…
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On completion or during??
Hi I have read that you are unable to get credit whilst on an IVA. Fair enough, but I have also read that the IVA stays on your record for up to 6 years. Does this 6 years start from the start of your IVA date or does it start from when the IVA is completed? Thanks
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Mobile Phone on DRO
I have an appointment with the CCCS today I have dug out all my existing accounts. I pay mine and my partners mobile contracts. Was wondering if anyone knows if i can keep these contracts or i have to inforn CCCS about them?
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Post IVA Clean up - Help
Hi, Finished my 5 year IVA successfully in April 2010. Checked my credit file. It`s still a mess with Defaults everywhere. IVA is marked as satisfied but I cannot even get a bank account with a debit card. Are there any reputable firms that will sort your file out for you for a fee as I have written to companies, using…
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Any High Street Banks Not Refusing Due To IVA ?
Hi, In Sept 05 I started an IVA but paid it off early with a full and final payment in Oct 2007. In December 2008 I got a joint mortgage with my wife from Abbey/Santander with standard rates even though i had an IVA in the past. We wish to move again but Abbey refuse to port the mortgage because of the IVA, they changed…
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Anyone forced to remortgage in their 4th yr?
Hi I'm having a telephone meeting on Mon with CCCS & hopefully will be able to get further advice on whether the DMP or IVA is most appropriate for me. I have got into a financial mess in the last yr as I couldn't manage my creditors due to going on long term sickness (still unable to work) & ultimately losing my job.…
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wedding on an IVA
We will be getting married in 2012 when weve saved(ill save the most)enough to do it! can my partner tell his IP that he wants to use his overtime to pay for some of the wedding bills or will they just not accept this?
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IVA & Mortgage payment holidays
Hello We were told at one stage of the IVA proceedure that we could ask NR for a payment holiday on the mortgage if there was a sudden unexpected cost. Has anyone else done this- are NR likely to agree? & will they inform the IVA company? Thanks
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Applying for an IVA, but have a PPI claim outstanding
I was advised this might be a better place to post this question than on the PPI board, so hopefully someone may be able to advise. I have had a claim for mis-sold PPI on an Egg loan since the beginning of 2009, it went to the FOS, but they have still not done anything with the claim, presumably due to being overwhelmed,…
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Chances of IVA being accepted?
Our first post on the site.... We are awaiting a draft IVA proposal as this seems the best option to clear our debts. However, since starting to sort ourselves out and for the last 2 months or so we have been reading about iva's and debt management etc and have heard a few horror stories about certain creditors and are now…
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Current mortgage with Northen Rock
Hi, My fixed period with Northern Rock has just ended. I've seen on other threads that is it possible to ring up the current mortgage provider and they can organise another fixed period. Northern Rock are also one of my creditors (I got a together mortgage five years ago) and i wondered how likely they are to give me…
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Getting a mortgage having completed an IVA
Hi, I completed a one-off IVA in June 2010 and hope to get a mortgage at some point. Obviously the current climate makes this much harder however I would be grateful for any advice. Is it even possible to consider a mortgage or do I have to wait 5/6 years ? Many thanks in advance.
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Is this advice correct?
Hi everyone, hope you can help me out on this. My Mum has been on an IVA plan for the last 3 years and has 2 years remaining. At the time of entering into the IVA, she had gotten herself in some debt trouble and due to her low income, it was the only feasible way out for her. Time has flown by and she is very much looking…
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IVA or debt management plan
Hi all, I have currently got about £14k worth of credit card debt over 3 cards. My limit from those 3 cards is about £20k. I am struggling to pay off the credit cards as the monthly is about £250 per month. I also want to get a house but need a depoist. I am thinking of taking out cash money from my credit cards and then…
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Pain and Suffering compensation payout %100 how will it affect my IVA
31.9.11 Vesting or non-vesting asset? I found this reference and its great advice. I have recieved 6k for pain and suffering from the Armed Forces Compensation Scheme so no loss of earnings and am in an IVA does the legislation apply in the same way for an IVA? Not trying to dodge my debt at all but need to replace the…
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Considering IVA or DMP - Non profiting partner quandry
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IVA Disputes
Hi There, I have a dispute within my IVA at this moment. It would be great if anyone can help me ANY advice upon this matter. I am currently preparing with my Insolvent practitioner a new VARIATION arrangement because I became UNEMPLOYED due to illness a year ago and they are going to help me start paying my IVA at a…
