-
Getting Experian report for DRO
I've been told for my DRO I need to get my Experian report. I had already done my Equifax one, but they can't use that! So I went on their website on Monday thinking it would be every bit as quick and painless as Equifax. How wrong could I be! Signed up as a new member and it said I was already registered. I didn't recall…
-
Don't know
Hi everyone i don't know what to do at the mom still bank with barclays and got a barclays credit card due paying 10 of july.Do i pay it or will they take the money anyway out of the account which as got money in it plus an overdraft on it. Have open an account with the coop just sorting it all out.My worry is not got a…
-
IVA failed..
My husband and I have failed our ivas ands received our failure certificAtes on Monday. When are the creditors likely to start calling? Are we likely to have debt collectors calling at the house? We want to declare BR but haven't raised the money yet. Thanks for any help.
-
iva etc
is it really worth getting an iva or the similar schemes, what are the advantages of getting one and most importantly what are the disadvantages
-
3 Years into IVA and worried
Good Evening, I am currently almost 3 1/2 years into a 5 year IVA. I am finding the payments just about affordable albeit a struggle. My concern is that at the end of month 60, the arrangement says I am liable for a 12.5k payment to settle off and conclude the IVA. This was done on the basis that the then equity in my…
-
advice about iva
Hello all, I am new to this site and would like some help with a few questions i have.... i have been very foolish and have been on a dmp for 8 years so far my original debt was £50k now it £30k however i went a bit deppressed last year and managed to get credit cards and catalogues etc...(i am very upset that i didnt…
-
If you can help your a genius!
Hi all, apologies in advance as I am really confused and unsure of my best way forward. Backround - been working all my life but struggling with debts childcare bla bla, had enough and went on jobseekers as wanted to find something more flexible. Recently started my own business to try and earn a living around childcare…
-
Help.. i am starting a IVA very soon and need to find..
a new bank account but i need to find one that does direct debits and standing orders. I dont want an overdraft or cheque book but a debit card would be preferable, does any one know which one is the best for people with bad credit ? any help would be appreciated thanks:o
-
DRO & Living Abroad
Hi all, I'm trying to get my head around part of the requirements list to applying for a DRO. "The debtor must be domiciled in England or Wales, or in the last 3 years have been resident or carrying on business in England or Wales." I'm a UK Citizen, born and bred in England, but for the last 3 years I've been living…
-
creditors meeting 3 months away?
Called CCCS on Friday about how things are going only to be told that it may take 2 to 3 months to get the IVA sorted out. I wondered if anyone else has been given these timescales, or whether it is just the CCCS who are behind with their applications. The born worrier in me is now thinking that we will not get our IVA…
-
will my dro affect my parents?
Hi, I am trying to work out whether a dro would be the best solution to my current financial probs and I cant seem to get a straight answer from my DMP people (I'm with one of the free ones!) My main worry is that i have had to move back to my parents and would be here for at least a year, while the dro goes through, if I…
-
Credit cards recently been used, a problem??
If you have recently spent on a new credit card, will this be frowned upon? I know in BR its not a good thing, but what about in a DRO?
-
Administration Order classed as an IVA?
Hi All, I'm a little confused so hopefully someone can help me out here! I have a CCJ though the county court for about £800. I had a few other small debts that all totaled way below the 5k threshold for an IVA so the courts set me up an Administration order. I was paying £x amount to the court all and well and then to cut…
-
Trust Deed help
Here is my story, hopefully someone can help. I have been in a trust deed since Jan 09, the money is a court order so the money comes direct out my wages every month. So I was beginning to stuggle every month, so stupidly one month I took out a Pay day advance instead of speaking to my Trust deed to lower the payments,…
-
Trust Deeds
Has anyone got a good site for Trust Deeds? I am in a Trust Deed but acquired new debt afterwords and don't know what to do I'm left with no money every month Please help Thanks
-
IVA - lump sum
hi has anyone gone through an iva offering a lump sum payment? A family member is offering me a lump sum which is super kind of them. just wondered if anyone had gone through this, I'm assuming your credit rating is still shot to pieces for the same length as time, but do you still have yearly reviews with your ip and…
-
Can my oh do a DRO?
Help, My husband has debts of about £4000, we had a baby 9 months ago so I've been on maternity leave and have now resigned from my job as my boss wouldn't let me go part time (Childcare costs = wages so pointless), so its just oh wages and tax credits ect now. We're struggling to pay back his minimum payment each month,…
-
Options phone calls??
Hi there, So we are nearly there with our IVA, or maybe just halfway? We have sent back all of our paperwork to Payplan and they are composing our proposal. We are both having our Options phone calls with payplan this week and wondered if any of you could tell me what to expect?? I am self employed, have managed to get…
-
Childcare vouchers
Issue resolved
-
IVA. Bank witholding cash in account not related to IVA
Hi All Am hoping for some help again. Our IVA got approved on 28th June and our first payment is due Jul 22nd. All fine and dandy. The biggest portion of debt was Natwest with an overdraft and personal loan. We did have a joint a/c, 2 single a/cs and a savings a/c in husbands sole name. The debt is only related to our…
