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Do I owe enough
Hi hope I'm posting in the right place. I am a single parent and work part time, I owe about £1200. I find it very difficult to make ends meet each month. I am paying off my capital one card which is one of the high percentage cards also paying off 2 previous debts to Lowells and Direct legal. My question is what sort of…
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who to go to for a dro
wo is best to use for a dro and how much will it be other than the 90 pound fee for the dro
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% of IVAs that actually complete?
Just wondering how many IVAs actually fail to get through to the end. With the current economic situation, it would seem all out futures are getting more and more uncertain employment wise, and with inflation starting to really kick in, I would have thought the ratio of IVAs completed into to IVAs entered into would be on…
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Slightly concerned about my IVA
I have no assets all I have is a car which I need to be able to work as my job is 18.9 miles away and there is no transport to and from where I live that covers my working hours. Also the car was bought by mum mum who took out a loan for it. Included in the rent I give her each month includes the loan repayment. My working…
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Creditor ignoring my DRO!
I got a call from a debt collection company today. They were calling about a debt which is included in my DRO. They told me they were looking to serve court papers on me for an attachment of earnings but when they asked me to cofirm my address they had next-door's not mine so I hope they haven't tried to visit her instead.…
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Credit 6years later
Hello, To give you a little background, I went into an IVA 6 years ago today which is due to come off my credit file at midnight tonight. I actually paid my IVA off in full 4 years ago though. Now since then I have obtained a 98pound default on a mobile phone contract in 2007 when I moved house and thought my contract was…
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How long did your IVA take to setup?
I am a bit worried as I keep having to extend my loans until it is and I just dont have the money this month. I am still waiting the IP to get in touch with me but I only started today.
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IVA change in circumstance. Please HELP?
I took out an IVA in August 2009 as was in about 15k debt, since then i went on maternity leave in Feb and took a 9 month break.....however i am now due to return to work and continue with my IVA payments. Due to childcare costs and not wanting to return to work full time i made a decision and handed in my resignation…
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IVA questions
Hi I am not sure if the same people visit this section or not as I am a newbie. So aplogies if I am trolling a bit. Why would payplan suggest an IVA if I have no assets? https://forums.moneysavingexpert.com/discussion/3525557
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What Happens when you have completed IVA payments
Hi, Please can you help my husbands IVA final payment is in April 2012, what happens once it has been paid and what information will be given to my husband to confirm he has completed the IVA? thank you
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partner affected by my dire credit rating?
Hi all I recently entered into a F&F settlement IVA, and my partner was going to borrow the money for the iva, approx £20K. just started looking for loans, he has an excellent credit rating, checked his credit history reports and all looking good however he's just been turned down by his bank, very frustrating.... just…
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F&f settlement for 6th yr????
Hi all, I am now 4 1/2 yrs through my IVA and just going though a variation as no equity to release from my property - meaning a further 12 mth extention to my IVA. I am currently paying £316 per mth until another annual review in March 2012. I'm thinking of tryin to make a full and final settlement offer alongside my next…
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Post dro
Hi there. I was just looking for some advice. I have had a DRO now for 2 years. I would like to know what happens after a DRO has expired, in terms of my credit file. I recently went into a well known bank to try and get a basic no frills bank account, they showed me they could not progress as they held Credit Beureau…
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3 Months in....
Hello those that wish to read this thread... The turn of the year I decided that it was time to sort my money situation out, debts spiraling out of control and taking from Peter:mad: to pay Paul:D... started looking in Feb on this site took some time asked lots of questions and still thought that I could turn it around…
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IVA Company Help needed please!!!
Hope someone out there can give me some good advice. I have recently been contacted by Direct Legal & Collections with regard to a £6,900 loan i have outstanding. I am currently unemployed after a period of illness and am living with my mother and will not be able to work until the new year. I have looked at my options…
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DRO and household income
Hi, I am wondering if household income is taken into account when an DRO is applied for as I am working full time and we have always kept our bills seperate. My wife has debts of around £6500 (catalogues, doorstep loan, mobile, credit card) we use the same bank account (mine) for all our bills and working tax credit/child…
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how long after iva is discharged is credit available
Hi this is my first post but I have read lots of info on the site and have found it to be really useful. Our IVA has completed we were lucky enough to have it discharged a year after we started it and it has now been six years since it started (ie started in October 2005) We are just in the process of speaking to…
