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DRO and VAT
Can you add VAT HMRC to a DRO? I was in business but finsihed trading and cant keep up the repayments for VAT Ive been advised i can apply for a dro but there unsure if personal debt ( credit card etc) and go with a business debt? even though im not trading anymore? Any help would be brill cheers
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Vodafone chasing me for a debt listed on my DRO order.
[FONT="]I had this letter from Vodafone for a debt which was original past on to CapQuest. In early May of this year I got my DRO order approved and the Vodafone debt was listed on my DRO form along with Halifax. CapQuest got a copy of my DRO as well has Halifax. Well today I got this letter from Vodafone.:mad:[/FONT]…
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Ashley Park
Anybody had dealings with this company? We did think about going into an agreement with this company but then cancelled the next day as we decided IVA wasn't for us but over the past 2 weeks they've filtered £277 out of my partners account therefore making our car payment bouce, grrrrrrrrrrrrr
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CCCS Say NO to bankruptcy!! Help!
My wife and I are spilt. She has the CCCS in her name and I am on disability benefits and don't give her much, whatever i can when i can. Since we split, she has gone out and found 2 jobs as 'well' as looking after our 3 children and I am very proud of her for this. She was telling me that she is saving up to go bankrupt…
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template for credit card companies to reduce/freeze interest
hi everyone, i was wondering if you could help me, if anyone has a template letter i could send to my credit card companies asking for intrest to be reduced/stopped for a certain period of time? many thanks,
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iva settles early
hi, i entered into an iva nearly a year ago and it last for 7 years then i have to try re mortage which i doubt will be possible and if not have to do 1 more year on the iva . What i need to know is can ivas ever be ended early, if so how can this happen ? Thanks x
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IVA , extra income
Hi ,I am in an IVA which takes into account my spouses income , although they are not in an IVA. Partner has been asked to work extra hours . What will happen to the salary increase ? I have the 10% then 50/50 rule , but no mention of effect on partner. Thanks for reading, any help will be much apprecated.
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Pension Payments in an IVA
I'm in a position whereby I'm able to start a pension, something I couldn't afford to do at the start of my IVA. Is there a limit on the size of pension contributions I can make when in an IVA, other than the statutory pension-related contribution allowances? I changed jobs 6 months ago and my increased salary means I have…
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IVA Settled Early_ What Next ?
Hi , My wife and i have settled an iva 4 years early.Our plan is now to save as much as possible over the next 4-5 years and hopefully then obtain a mortgage.We understand that the iva stays on the credit file for six years from the date that it started.Although we currently rent a four bed to accomodate our family, we do…
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Grant Thornton
Please someone Help !! I am arranging an IVA with Grant Thornton and near the final stages but I am not getting any feedback/contact from them. I had a creditors meeting on the 26/5/11 and was told to have my phone at the ready as they would call me. Didnt hear anything from them. Bank holiday was a few days later so rang…
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Annual review / 3 payments remaining
HI all, Wonder if anyone can help me with this. My IVA only has 3 payments remaining (so happy about this :j) but this weekend in the post i recieved an income review from my IP (grant thonrton). As i only have 3 payments remaining i dont see the point in filling it in, but am i obliged to? Also, can they then choose to…
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Claiming back failed IVA payments
Hi, am unable to find a similar thread so starting my own!! I failed an IVA around 2 years ago and am now dealing direct with my creditors through a DMP. I'd paid around 15 payments of approx £300 by the time of failure (due to redundancy), as far as I am aware no payments were made to my creditors but were all swallowed…
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So many questions getting tied up in knots!
Hi I seem to have so many questions but I would like some advice if possible before we make a final decision. Hubby has around 28k unsecured debt and 6k corp tax bill. We cannot afford any of it. We have no savings/no assests. We rent privately with nice landlord. We have a car each - worth about 1k each We have been…
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Iva and renting
Hi everyone we would like some advice please.We rent are home and we would like to do an iva but if we start one and we have to move are we making are selves homeless because it will show up on are credit check thanks :(
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IVA to Bankrupt ??
hi, i am looking for some advice about a year ago me and my husband got a joint IVA which i have been told will last 7 years and then after 1 year if we cant remortgage we have to do another year of the IVA , before the IVA we were struggling to pay our debt back but we never missed a payment until the IVA told us to stop…
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IVA and remortgaging
We have come out of our fixed rate deal, and with so many good deals out there was wondering if anyone had managed to secure a good remortgage rate on an IVA. Any tips appreciated.
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IVA, Mortgage and wanting to save??
My partner have and I have an IVA (to avoid bankruptcy - which would have affected his employment), its free'd up a little bit of cash, which we want to put aside in another account for emergencies, or for those things we can no longer use credit for (I'm going to need a newer car soon, and washing machine on its last…
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End of IVA, Bank Account problems
I sucessfully completed my 5 year IVA in December 2010, I still am unable to gain a proper bank account, my credit rating shows the same status as when IVA was current . Its now 6 months on looking for advice as to how to (1) Get a proper bank account, (2) Improve my Credit Rating, Help please:)
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My husband has an IVA, is it possible to get a loan in my name?
My husband has an IVA in solely his name, but my credit score is perfect. We have a joint mortgage. Ive tried to get a loan to clear my overdraft but I have been declined a few times. I registered with equifax and his name is on there for a credit card he was in debt with. My name was also on there linked with this card…
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Thinking of applying for DRO
I am in serious debt and no means of paying. No assets worth selling, don't own property or a car. i'm on benefits but altogether once my rent is paid I have £20 a week left to live on and I can't see any way out of this mess. The problem is that I am applying for jobs hoping to start work soon, and if I get a job once on…
