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Help please DRO and creditors
It has been nearly 4 weeks since i was granted a debt relief order. One of my creditors a credit card company which was one of the lowest amounts owing to. I checked my bank account and found i was overdrawn not by much as to be honest i don't use the account now. Anyway i must have totally forgotten to cancel a direct…
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IVA and PPI claims
Hi all, I have recently finished paying off my IVA although I am still held under its t&C's for another 7 months. My original paperwork states that any sums of money over £500 must be declared to my financial supervisor. I have recently made a PPI claim and have received a letter offering me just over £1000 compensation.…
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flexibility allowance with iva
does anyone know if an iva will take part of the money u get in your wages for flexibility allowance for different shifts??
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need help please
Could anyone help us please we are half way through our iva 3 years gone of tightening our belts but less stress than before our iva. But now it our annual review my husband has changed jobs his salary has gone down but he has contractual hours every month and can do as much overtime as he can. OUR IVA have contacted us…
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Lump Sum IVA
If creditors agree have the good fortune to offer a lump sum IVA. As soon as it is paid is everything wiped off. They can't come at you so many years down the line when equity goes up (hopefully). Thank you for any responses.
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Call Credit wrong default date
Hi I have managed to get my credit reports sorted with Equifax and Experian after completing my IVA March 2011 however Call Credit have a default on my report with the wrong date. I have emailed them however have not had a response and just wandered if there is anything I can do. Any help would be appreciated. Thanks.
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IVA Paid , Trying to get back on the road to recovering Credit rating.....
Sorry this is a repost as i posted previously in the wrong section , i was told to report it here so i hope its ok. Well i posted here 6 months ago roughly about a problem i had regarding an IVA , 6 months later and alot of fighting i manage to resolve the issue and had my early settlement for the IVA finally agreed and…
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Considering DRO need advice.
Hi all, I've been trying to pay off my debts (currently totalling 10,525) for years now but i just seem to be going round in circles, i get them down by a bit and then one of my childrens birthdays/christmas/ partners car fails its MOT and needs repairs and i'm back where i started if not worse off. Somebody recently…
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Dro & isa
I have a DRO which was spent last month. During this time a family member passed away and I was left some money. I would like to put this money in an ISA in the next couple of days before I lose the chance (as it has to be done by 5th April). Is this dodgy ground or is it acceptable to do this now? Its not a lot of money…
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IVA and F&F Settlement
So my creditors meeting is next week, but I want some advice before it goes through. I'd be paying back £180 for 60 months - may vary due to income etc. That's £10,800... Would it be worth seeing what all my creditors would settle at and then see if I can get the money and clear the settlements? One of my family members…
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Iva's
Can you reduce your IVA from 5 years to 3 years? thanks for any help
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I v a and bankrupt question
Hi ya I begun with and i.v.a in 2009 then stopped paying in to it in feb 2011 and went bankrupt. If i search on the insolvency services website there are still 2 cases in my name ( i,v,a and Bankrupt ) Now as bankruptcy drops off the insolvency site after a month or 2 when should the i.v.a? If not then is there a way to…
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IVA Provider appointing Firm to claim PPI on loans within the IVA
Howdy! I wonder if I might ask you knowledgeable good folks for a bit of advice? I'm in an IVA, due to end in August 2013. On Friday I received a package sent via courier - it contained a letter and various forms from my IVA practitioner saying that, as my IVA providers, they were duty-bound to claim the PPI on all…
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In iva, need car. Advice please.
Ok, my husband and I are in an IVA and basically my car has died a death and cannot be fixed. I live in rural Wales and need to get to work and there are no buses running through my village. My husband works in the opposite direction and it is 12 miles away so taxi is not an option, neither is push bike as I have to drop…
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Any advice would be great thanks
Hi all wondering if anyone can answer the questions i have about the DRO. We have been advised to go the DRO route after contacting national debtline. One of the questions they ask are along the lines of have you ever claimed bankruptcy in the last 6 yrs because if so then you wont qualify for a DRO so i did claim…
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DRO 12 months over ....
I think this may be a stupid question so appologies for being a bit confused but my DRO was spent at the end of March and I have just checked my credit report and it is still showing many of the x creditors listed as Default. Is this normal or should it now read satisfied and recorded as a DRO? I know I wont get any letter…
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IVA vs DMP
Hi All I will try to keep this short,im currently on a dmp with cccs,paying £300 per month towards unsecured debts of £85,000 , which will at current payment will take 20 yrs to settle. Wife Has dmp with cccs paying £100 per month towards unsecured debts of £25,000 which will also take 20 yrs to settle.I have recently…
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Length of Lump Sum IVA
Dear Forum; The day I enter an IVA is drawing closer. I have been speaking with one IVA firm, and I am close to ageeing a proposal for a lump sum IVA, to be sent to my creditors. I have a question regarding the length of a lump sum IVA, i.e. the period in which the IP will need to review my finances. I had believed this…
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IVA Advise Please
sorry if posted in wrong section but i need some advice on an iva im currently in i have just hit to 2year mark into an iva but have just lost my job,and am abit concerned what to do next.... would there be much point in moving my house into just my wifes name to keep it safe or this a non-starter..only i am named in the…
