-
Using a company to get a business account
Hello Has anyone ever used a company to get them a business bank account, when they could get one themselves?? Some claim they can do this or your money back.
-
Help with finacial statement please
Hi I have a meeting with the CAB tomorrow for a DRO and I am doing my expenses please can you say if these are acceptable amounts also if I can add anything apart from the obvious gas electric etc which I am going to work out later. I'm single with newborn and 4 year old. Thanks in advance :) xx Nappies & Wipes £10 Baby…
-
Can IVA payments be reduced? (Payplan IVA)
Hiya, hoping for some advice 18months into a Payplan IVA. Been paying £290 per month. Anyway, my husband has got a better, employee job ( was previously self employed, which was very unsteady & unreliable) We calculated wages etc and realised that although he'll be earning approx £200 more each month- our tax credits award…
-
Isn't a DRO a DRO
I did a credit check and it said this: Under court information it says I have "1 Current" and type is Bankruptcy Order. Are these two things correct? CurrentPreviousLinkedNumber Present1n/a n/a Current Address « Name:Miss Date of Birth: Court Details:BANK / Type:Bankruptcy OrderCourt Date:10/09/2009Amount: £0Date…
-
Life after DRO
Hello I was discharged 10 Sept 2010. I would like to set a small not for profit business, but I have already been turned down by lloyds and natwast for a business account. I dont need any lending just a seperate place to put company money. 1. The made me check my credit report and Stanander account and card still have me…
-
property info, anyone know ?
my head has been in the sand for far to long, I need to finf out about ccjs and charging orders on my property does anyone know how to do this ? also CAB has put us in contact with pay plan has anyone had dealings with them ? Thanks David
-
DRO what can the reciver take ?
Hi all i am going for a DRO as i have debts under £15,000 i am paying token amounts to various companys my car is less than £1000 , what i want to know will they take my tv and pc i have just spent 3 years paying for will these be classed as assets i am disabled and can not work and it is my only form of shopping my pc and…
-
What happens when DRO finishes.
Hello there, My DRO is finishing in the next 10 days however i'm unclear as to what happens next. Once my DRO was approved last November all creditor letters stopped immediately but still now get the occasional letter from Halifax ref a loan that was included in my DRO. So what I'm asking for is will i have to inform all…
-
Marbles cc
So halifax have passed my debt onto mackenzie hall even though they are part of my DRO which ended July 2010! It's for £1000 more than when I had the DRO and I have a letter from Halifax stating the debt has been satisfied with the credit agencies. Should I just forward a copy to mackenzie hall?
-
DRO and home insurance
Hi, I am in the process of getting home insurance. Having been subject to a DRO which finished in Dec 2010, I am unsure if this is classed as being bankrupt. I asked the insurer and they said they did not know and advised that if I had been declared bankrupt i would have had to appear in court. Obviously I dont want to be…
-
Took an IVA, Now stuck between a rock and a hard place
Hi All im new, Ill keep it sort i promise but id like some opinions on something. I took out an IVA in 2008, No assets to declare, No house, no car, absolutely nothing to my name. I messed up big time when i was younger and for the last 5 years ive been trying to get my life back on track and until today it seemed to be…
-
Tax repayment & IVA
Hi - I've been reading some the threads but they aren't specific to what I want to know. We have been in an IVA a few months - we run 2 businesses but I also work full time. Since one of the business which is only 16 months old hasn't really taken off when I sent in the accounts to our accountant she has told me that I am…
-
IVA advice needed urgently please.
My wife and i have been together for 4 years.She was previously with a guy for 2 years during which time they bought a house.The total amount borrowed was £100000 mortgage and £18000 on an unsecured loan for house improvementsWhen they split up,he moved out and he signed a trust deed at the solicitors to say he would have…
-
Bankruptcy or IVA
Hi Everyone. I am self-employed and have a small shop. My total unsecured personal debt is around £19000 and around £1000 over draft on my business account. I have really been struggling to make payments on my debts for the last few months and missed payments on two of my credit cards this month. Only asset I have is my…
-
Iva help
Can anyone tell me if this sounds right?! About to start IVA as awaiting final figures (while the kind solicitor chases companies who have not responded - thankyou!!) Anyway have already paid £3000 up front - Is this usual? She has not informed me about monthly payment and was quite rude to me the other day by telling me…
-
Applying for a dro - COUPLE OF Q'S
Morning all So since my LBM! I have tried so hard to get on top of things to pretty much no avail...I have a decent budget but if things crop up like mot, car tax, birthdays, christmas, school outings, clothing, footwear etc I am pretty much stuffed A friend has pointed me in the direction of a DRO but I have a couple of…
-
Spare income?
I think I may be able to qualify for a DRO, the only thing I'm unsure of is the part where your spare income must be £50 a month or less. Obliviously I know what my income is but I'm not sure what expenses are allowed and what isn't. I know things like rent & utility bills, but what about food is this a set amout for a…
-
IVA and PPI refund
My husband had an IVA accepted last week (yeay) However, this morning he recieved an offer of refund from LLoyds Tsb (his main creditor) saying he will be refunded xx amount by cheque. Ths claim had been submitted for nearly 16weeks - long before we even looked at IVA as a solution. Although, the loan the refund is for was…
-
Will I lose my benefit if my social fund loan is included in my DRO?
Hope someone can help. I'm trying to decide whether to go forward with a DRO, but I'm worried my benefits would be stopped if my social fund loan is included?
-
iva
he we started a joint iva (just coming up to 3 year review)at the time we was claiming dla for son and had mobility car etc anyway last year hubby moved out and i went on wftc(not recieving dla), we rang company and they said thats fine as long as it gets paid, a couple weeks ago hubby moved back in now where coming up to…
