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Who can help me?
I am hoping someone may be able to offer me some advice. I have contacted CCCS with the same question, but they just said talk to Payplan, and come back to us if your IVA fails, which is no help as Payplan won't advise either! I really do not know what to do anymore, and this is all I ever think of. To put things in a…
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Council Tax
Hi Did not have a clue where to post this. I am currently in an IVA and have given my keys back to the mortgage company. I gave the keys back last July and the Flat has been empty ever since. I have now received a new bill for council tax as my 6 months free has ended and they are telling me i am not allowed another 6…
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Starting An IVA
Hi everyone, been reading all of the posts on this board for months now, and after a year of everything going belly up (and sticking our heads in the sand) We have started the process to begin our IVA. We nearly lost our home (due to my husband being on the sick and me being on maternity leave, then both of our cars dying…
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yearly review
Its that horrible time of year again where CCCS undertaking our review - this year they have asked for 3 months bank statements from all accounts, now I can understand them wishing to see direct debits etc. for bills but not happy that they want personal one don't get me wrong there is nothing dodgy in there but I really…
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Another newbie..
Posted a while ago, feeling an IVA was the way to go (the SOA was skinned to the bone, everything not screwed down was Ebay'd, but still around £300 a month short)..Then an opportunity of extra employment came up, so I registered, got my CRB check back at the begining of March, but am still waiting for the call for my 1st…
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CCCS suggests moving from dmp to iva?
We are on dmp with CCCS with debts of £56,000 and paying £385 a month but looking at 12 years to clear the debt if interest is frozen - we have a mortgage at £130000 on a property worth about £140000 - as we have 5 children we want to repay sooner than that. OH is a teacher - there is bit of job uncertainty due to a school…
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IVA settled? £0 outstanding
Hi, I have just got a copy of my credit report (creditexpert and equifax) and an IVA which started in May 2006 is showing as being settled in July 2008 with zero outstanding. The debts that this covered are not showing on the credit report, so I'm guessing this information must be correct. In the notes is says satisifed…
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Stress!!!!
Hi All I'm just looking for some reassurance and advice if possible, I'm just about to buy the rented property that I'm currently in, (buying it off housing association), then as soon as that's all gone through I will then look to do the IVA, my main concern is that once I buy the property and go through the IVA what…
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Considering DRO
I have been to clac today who have suggested a DRO for some credit card debts i have been paying off for 6yrs. I would like to know how the £50 a month disposable income is checked up on. Do they check your bank accounts etc? Thanks
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Administration Order though County Court - How do you pay yours?
Appologies if this is the wrong area, i can't decide where to put this. I have an Administration order though my local county court, the only options for paying the monthly amount that they offer is payment by cash. I argued out with the court that this was difficult for me as it would mean once a month taking a morning…
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how soon can i get a mortgage?
Hi my IVA finishes in Sept I will have had it for 7 yrs, how soon can I get a mortgage? How can i build up my credit rating?
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IVA&Moving abroad.
I was wondering if anyone has had a similar experience. I entered onto an IVA last year and have not completed my first year yet. I am contemplating to move abroad as my partner might have a great work offer in Germany. If I moved to Germany, I would have to give up my job here and find a new job in Germany which might…
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DMP to IVA
Hi can anyone assist please ?? :( I have been on a DMP for approx 3 yrs , during this time I have struggled financially and taken out more unsecured debt's totalling approx £11k . Can I now switch ti an IVA with another company ? and also do they take control of payday loans too as I have a number of these which I need…
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Fairfax & DRO
Hi, first time posting, but a long time taking a bit of control from the threads i've been reading on here :) Long story Feb 2010, my partner and myself hit the wall of financial dificulties. We went to CAB to discuss our options, after I talked to a few financial help companies. Cab guy confirmed what we needed to do, and…
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Frustrated because I can't seem to sort out a DRO
I want a DRO and I meet the basic eligibility, or at least I think I do. I wont be returning to the CAB for personal reasons (not about the CAB themselves) so I decided to try to get the CCCS to help me. I have now done Debt Remedy eight times and it keeps saying I have vast amounts left over for a DMP which just isn't…
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Row Erupts Over IVA Fee Capping ?
Hi all Interesting article from Insolvency News - http://www.insolvencynews.com/article/show/Row-erupts-over-IVA-fee-capping NED-CAB
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about to enter into an IVA...HELP!!
ive gradually got myself into pretty bad debt with unsecured loans and credit cards...totally about £25k. ive stuck my head in the sand about it to be honest and only realised how bad it has got since i recently seperated from my husband and struggled with repayments. One of my creditors referrered me to Payplan and they…
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credit card insurance
hi again, i have been told by my IP that i need to get rid of the insurance i have on my credit card, to be honest i didnt even realise i had this. Does anyone know the reason why I need to get rid of it? I guess the only way to do this is to actually ring lloyds, but they are just going to tell i am over my credit limit…
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liabilities
Hi All Wonder if anyone can help. My wifes cousin is a partner in a business that has ceased to trade. He was in a ltd company where he and two other partners gave PG's for the company overdraft. He has since found out that one partner entered an IVA two weeks ago. His partner insists that the IVA is for his personal debt…
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Expenditure guidelines booklet
Hi all, Someone on here posted a link to the Expenditure Guidelines pdf that credit companies use as a general rule of thumb for allowances for things like fuel, food, etc, in IVA applications. I have had a quick skim back through the threads but cant see it - could anyone who knows where it is please be kind enough to add…
