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IVA & DRO
Archives for August 2010
Discussion List
Please help ..feeling confused !!!!
Hello Everyone. This is my first post on this very helpful website !! My husband and I started our IVA agreement in March of this year. we are with payplan. Everything is going well at the moment. We have just been asked to send off our payslips on a quaterly basis, we have not got a problem with this but are just…
Dabt relief order
DOES A DEBT RELIEF ORDER END OF THE YEAR JUST PASS LIKE A BANKRUPTCY I.E NO CONTACT WITH O/RS OFFICE////////ARE THEY BASED ON TRUST MUCH LIKE A BANKRUPTCY WERE YOU TELL OF INCREASED INCOME OR CHANGE OF CIRCUMSTANCES//////CAN YOU GET A SECOND OR BIGGER INCOME IN ONE IF YOUR CIRCUMSTANCES DO CHANGE I.E PROMOTION TO A BETTER…
DRO's and HB / CTB OVERPAYMENTS
Hi all, Not sure if any of you have seen this yet - basically it means that on going deductions from benefit for a debt included in a DRO can no longer happen. DWP Deductions from Benefits The DRO Unit recently advised your Competent Authority of the outcome of a Judicial Review. On Monday the 26th July 2010 a judge in the…
Can I use post bankruptcy letter to creditors for file cleanup after DRO?
Hi A couple of people very helpfully gave me a link to the file cleanup thread. The problem I am having is that I need to write to two creditors who are still showing as owing rather than settled but I don't know what to write, can I use the same letter that is in the file cleanup thread even though it is more to do with…
end of debt relief order
wife is coming to the end of her debt relief order,what happens do they check you income and expenditure again,or is it like my bankruptcy when the date passes without hearing anything from the o/r were really looking forward to freedom again,anyone know thanks for your replys in advance
Credit report is wrong after DRO - I think?!
Hi I got copies of my reports from the three companies and on all it says that I still have outstanding debts to two of my creditors, my dro ended in April and they were definitely included. Surely it should say settled? Also, I have an account with Avon where I order and then pay when stuff arrives - is that going to help…
Windfalls and IVA's
This is more of a hypothetical question really, but one that i have often wondered about. The terms of my IVA state that any windfall i recieve over £200 i have to declare which is fair enough. However, if for example you won the lottery and say won £100,000 how would the supervisor deal with the windfall vs the amount of…
Can I get a contract phone after DRO?
Hi My DRO ended in April and I want to start building my credit back up. I have applied for the pre paid credit card and been approved but I also want to get a mobile as my husband and I are seperating and I feel I need one for emergencies such as breaking down in the car, problems with the kids etc...Anyway I am on PAYG…
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