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Can Payplan do this?
Myself and my wife are both in an IVA with Payplan. My wifes wages vary due to shift work. When initially setting up our IVA we were told only her basic wage would be counted and only overtime or bonuses would require us to pay more. Now 17 months in and Payplan want to start using an average net pay and are asking us to…
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Lowell Portfolio
Noticed a search on my credit file from this DCA, and since my IVA has been settled, was wondering what they are looking for. I have no longer have any credit in place, but want to be forewarned if there is anything that they think they can chase. I know they buy debt from CC companies, I hope I am correct in thinking that…
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Meeting date set
We have a date set now for the creditors meeting on 29th September. Counting the days. We just seem to be in limbo at the moment.
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Trust Deed & Defaults
I'm not sure if this is the correct forum, please advise if not :) I have been in a protected Trust Deed (in Scotland) since December 2010. I checked my credit file today and 2 of my creditors who are included in my trust deed have logged defaults on my file this year (one in May and one September) Can anyone please advise…
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Yes
Hi my husband and i have had our joint iva accepted today.Thanks to everyone who as given us advice and help over the last few weeks.:j
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bad debts
hi all, could some one help me in advice to get out my debts.. i was defaulted in June 2007 and i feel very shame and I don't know what do at that time and I left my town and moved to some where else. now after 4 years I realise with my close friend and I want clear my debts I got only unsecured loans only 65000 and no…
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Only 17 days left in the IVA
It's been a long time coming but the end is now clearly insight! We're definitely a bit apprehensive for the future but are so better prepared any money savvy. For those who are just starting out, it does get easier with time and keep smiling!
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No reply from iva firm
Has anyone had any problems with their iva ip and getting hold of them? I am currently with GT and find it very difficult to get a reply from them, have sent them letters, emails, and phoned only to be told that they either haven`t recieved them or messages will be passed on. I am having problems with payments on iva as…
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Credit File Info from those who have had a DRO
Hello! I wondered if anyone who has had a DRO could advise me what it now says on their credit file? I know one person I spoke to has said Equifax listed it as a bankruptcy. Does anyone have any experience of this? Do all your old credit accounts still appear, but as 'settled' or 'not updated'? You see, mine have…
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I want to pull out
I need a bit of advice if poss, My IVA has taken 3 months now and seems to get more complicated by the minute as i'm self employed and have had another business within the last year which went bust. I'm sure now that a DMP is the only way for me to go, my mortgage is coming down which would make a DMP a real possibility.…
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Iva question
Hi there,my wife and i entered into an iva a year past in june and are repaying at approx 45p in the pound.So far all is going well and we are learning to spend what we have and not what we dont have which has been a humbleing experance but a worth while one.Thing feel so much better spending the money in your…
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Yet another DRO advice request!
Hello all, Well, it's finally come to this, I sat down to do what I, laughingly, call our finances the other day and found that after paying bills we were left with £198 for the following 4 weeks. This doesn't even cover the petrol, let alone groceries etc, so have been reading around the excellent information provided on…
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Help Please!
Hi I've been in an IVA for just over a year now. My employer has changed my terms at work and on April 1st 2012 I have to hand back my company car. A car is essential to me as I have to travel 20miles+ to work and take kids to school etc etc. Public transport is not an option. I am yet to approach my IVA case manager…
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IVA F&F Offer Accepted!! What Next?
Hi All, A couple of days ago my offer to my IVA company was accepted in court by my creditors. I have been in an IVA since early 2009 and it has been a huge hinderance to me, and after someone kindly offering me the money they have accepted my offer, and i feel brilliant for it!! Just for those of you in an IVA or…
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IVA/Lewis Debt Recovery
Hi, Newbie here. Can anyone please advise on below. I entered an IVA in my name 3.5 years ago. One of the debts was a joint acct with my wife, with HSBC. HSBC agreed to it being included in my IVA. I have fortunately been able to pay my IVA off early by offering a full and final settlement to creditors ( inc HSBC joint…
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IVA, Bankruptcy or something else!
Hi there - in 2009 I had a breakdown and haven't been able to work since. My husband set up a DMP through CCCS for us because we were getting deeper in debt. We paid £300 on a total debt of £30k for the first 10 months or so but had to reduce this when our mortgage fixed rate ended and our mortgage increased by £200 and…
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Debt Relief Order Advice
Hi I've just taken out a debt relief order, In october I'm due to get a study grant of £265( for books, study materials etc) to last me the year, I've now just received a letter from the tax office saying they owe me £188. Does this mean my DRO will fail?
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Quick question about IVAs
Hello all, Just a quick question (I'm new here, so be gentle!). I'm in the process of setting up an IVA. I opened a basic bank account with the Co-Operative in preparation for all this, and my salary is credited here. However, my question relates to 2 other "proper" bank accounts with Santander and Nationwide that I use to…
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Our long journey
Hi all, Rapidly nearing completion, our IVA has 2 more payments to run and then we're debt free. The final payment is due in the first week of November, just in time for us to finally have a decent Christmas without the financial worry that comes with it. Can't wait to be able to spoil the children. But to be fair they…
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Thinking about IVA
Hi everyone, My husband has made contact with the CCCS about the possiblity of us entering into an IVA as including all debts (but not my student loan) we owe about 30k. We live in a rented property and have a 20 month old daughter so don't have any assets. We do have hire purchase on a 55 plate Peugeot 307 but that's it.…