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Does Charco still frequesnt these pages?
Does Charco still frequesnt these pages?
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Compensation received on benefits partner on DRO
Hi, new to the forums and have a bit if a dilema. I'll start at the beginning. Sorry, think I originally posted in the wrong forum! I am 32, lived with my ex partner for 9 years. We split up, then I met someone else. My current partner is almost 30, permanently in a wheelchair and has an 11 yr old Daughter. We live in a…
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3 months and still no sign of IVA
As per title it's been 3 months now and my propossed IVA has still not been finalised with Grant Thornton, as of 2 weeks ago they are reviewing the final piece of paperwork I'd sent them. I've tried to contact them today but seem to get fobed off with the line "***** or whoever is dealing with it will get back to you" so…
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IVA and PPI reclaims
Can anyone tell me if your in a IVA and get a ppi reclaim does this go to reduce your iva or do you still have to carry on paying for the full term?
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CCJ made whilst on my IVA??
Hi Everyone I'm looking for some advice. In September 2008, I entered into an IVA which I settled early last year with help from family. Natwest bank was one of the debtors included in the IVA. I've just checked my credit file out of interest and found that I have a CCJ issued by Natwest in January 2009. At this time, they…
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3 months in so far so good but question about income?
Just a quick word of encouragement for those thinking of IVA, we have iva with payplan and so far things are going well. Living on a budget is still strange to us and I keep panicing about 'unexpected' things happening but so far we are managing well. Quick question about self employment if anyone is in ghe same situation,…
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IVA and a better wage.
Hi there, It's been a while... I have roughly over two years left to go in my IVA and was wondering. (I realise I was naive at the beginning of my IVA for the folk who remember me with wanting to travel etc.) I pay my set amount after PayPlan have figured it out from my I&E and wondered if, one day I get a much better paid…
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Baines and Ernst?????? HELP!!!!
Hi, I was wondering if anyone on here can help me out please!? I was contacted about 6 weeks ago by Baines and Ernst about doing a debt management plan. I ran through some questions with them and they said it was definately do-able as the man said and went ahead with several phone calls and started the procedure very…
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IVA Annual Review
Hi all I am due my annual review with CCCS and my IP. Over the review period there have been disasters and changes with my income and expenditures. I had a major clutch repair in of about £760 in November in which I had to wait to get the car back after 2 months as I could not afford the one off payment and had to budget…
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Car at risk in creditors meeting
Been working on our Income and Expenditure for the IVA for several weeks now and we've just received the proposal. We're really concerned that no-one has mentioned until now that there is a possibility that the creditors will ask us to sell the car - valued at approx £6700. We have a huge list of very important…
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IVA accepted
My wife and i have had our joint iva accepted on 1st Sept:j Happy wedding anivesary darling!:kisses2: I have learned a lot from lurking around this forum over the last few monthes and must admit that the info shared around it has been very helpful and informative, 60 months to go starting 1st of October 2011. And if there…
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Is divorce an option for IVA?
Hi. My husband is being chased by debtors left right and centre. He is looking at going down the IVA route but is intending to sign over the house into my name (transfer of deeds) before starting the IVA. I am worried that they will come after the house still as they will recognise it as a ploy to save it. Having spoken to…
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A question re: F&F
Ok, this is a long one so bear with me. I have a small IVA (Sub 20K) and was plodding along as you do. Recently due to a job change and stupid amounts of overtime, and the rate I am going I could pay the entire 100% of it off within a few months. I was stupidly upfront with them and they know I have over 10K in the bank…
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Contents insurance
Hi I took out a DRO back in 2009 and am wondering 1. why insurance companies seem to think that this makes me more likely to have a break in/drop the telly or whatever and 2. how long they want to know this for? OK, so point 1 is a bit of a simplistic way of looking at things and I guess insurance companies are blinkered…
