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Iva
Hi all anyone had experiences with the below companies with an IVA? Nationwide- Loan & Overdraft MBNA - Credit cards Barclays - Credit cards Santander - loan Do they accept IVA proposals?
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Debt Management + IVA
Hello all from a newbie... I sought out this forum as I am worried about my Mum's situation.. My mum went to a Debt Management company about 5 years ago after racking up debts of around 35k .. The amount owed now is 27k. She was asked if she wanted to do it the IVA way instead (I think she was telephoned out of the blue by…
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Does anyone have any experience of how an IVA affects renting a property?
I entered into an IVA about 18 months ago and am now looking to rent a property with my partner who has an excellent credit rating. Does anyone have any experience or advicee on this? I have read so many different things from my boyfriend registering with the lettings agency as the tenant and myself as an occupant... to…
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Please Help, IVA Approved, mortgage applied for court and order AND TOLD THE COUNCIL!
Hi, This of you who have read my previous tread will know that despite having an IVA approved, the mortgage company have pursued for a Court Order for Repossession BUT .... Came home to a letter from the Council to say The Northern Rock have contacted them to tell them they are going to repossess our house!!!…
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Urgent debt relief order help!
I really need to get something cleared up because I'm nearly pulling my hair out....I applied for a DRO 2 months ago through an agency called olive branch. The guy was nice and helpful and when I sent my paperwork back he told me it would be done within 2 weeks. It's been 2 mOnths now and it still hasn't been processed.…
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hi everyone i have a question
hi everyone i need some advice please, i'm just at the begining stages of setting up an iva my question is this i am in full time employment but in my spare time i am also self employed which i make very little money from could this self employment effect my iva?
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How much would you offer as F+F
Hi Have to keep this short but we only have a few months left on our IVA, equity in the house that they are expecting is £5000 but we can't remortgage, if they added 12 month extension they would only recoup approx £2500 how much would a reasonable offer be for a F+F do you think, have a slight poss of borrowing from the…
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Moving, renting and selling.
Hi there, I've got an interview next week for a new job (all fingers and toes crossed!). If I get it I would see a significant increase in salary but the problem would be I would potentially have to move to a different area. I own my house, although the mortgage and house value are about the same so little to no equity and…
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Whats it really like living with an IVA?
Hi lovely people, Im am currently arranging an IVA, I have sent all the paper work in and they are currently drafting my proposal. I don't have any other options but I just wondered what it was really like to live during an IVA and any good hints and tips for survival. Everything seems very bleak and depressing at the…
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who monitors the IVA companies and how can I complain?
I am just in the process of finishing my IVA by an early settlement. However, after recieveing the paperwork from the company, Ideal Debt Solutions, I realise that I have been royally ripped off! Originally I owed 13000. After speaking to the man on the phone he advised me that I would need to owe 14000 in order to take…
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Finished IVA
Hi All, This is a great site with lots of useful information but I was hoping someone might be able to help me with a question. I paid my last payment on my IVA on March 10th last year (hoorah!!) and I know that it takes 12 months before I can start to build my credit rating back up. I recently applied for a job and got…
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Iva - ccj
Hi, How do CCJ's affect IVA's? I am considering one but 60% of my debt are in 4 ccj's (2 of which are NR) After reading up on Iva's and learning of the 75% acceptance, am I right in thinking that I have little to no chance of getting one?
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DRO query
Deleted - moved to DRO thread.
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IVA and tax rebate
My friend is in an IVA second year of a 5 year term. The total amount to be repaid to the IVA over the 5 years of £24,000 and the Inland Revenue are witholding a tax rebate of £23,000(accumulated over the past two years as an overpayment of tax) and are saying that this amount has to be paid to the IVA (as a windfall???)…
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iva
can any one please advisor of a none profit iva company to go with. i have been paying into a dmp with debt fixer for three years and the debt doesnt seem to go any were the have a iva company linked to them called money debt and credit who they passed my details on to as we could do a iva so the debt would be paid in 5…
