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IVA and PPI premium cashback ?
We are in an IVA. We have received a payment from the PPI on a separate loan that equates to the premium of the PPI as we have not claimed in the first five years. My two questions: 1. As our original loan (not covered under IVA) continues for another 14 years, are we legally entitled to use all or part of this money to…
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iva?
I'm currently considering going on an iva. My question is how do they work out how much per month you have to pay back? is there a rough way of working it out? Thanks in advance
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IVA or DMP
Hi There, I have been with PayPlan for the last year on a DMP plan paying around £100 a month to pay off around 16K of debts i got in trouble with a while back. Before that i managed my own DMP plan direct with the creditors for a year and before that was with the CCCS for 3 years until i lost my job. I have been happy…
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Car insurance worry :( HELP!!
After thinking everything had gone ok with setting up my car insurance im now worried.... :( Ill make it brief.... Insurance = £511, was told deposit £128 followed by 10 months of £44 a month.... My partner has put forward the deposit for me which has been paid, and first installment due to go out of my bank account in 2…
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My IVA experience so far.
Hi, Lots of people come on here asking for advise on whether or not an IVA is the right way to go. Much as I did on various Forums in the past. So I thought I would share my experience so far for those who are currently in a similar situation to where I was. Hopefully it might help one or two who are considering their next…
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Social fund debt
hi i am currently in about 4000 worth of debt and about to apply for a debt relief order i have mental health issues which has contributed greatly to my debt.i have been told that a social fund debt can not go on a d.r.o i currently owe the dwp 1300 pound which they take 13.50 a week off me is there any way i can apply or…
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Unidentified lender on my credit report after a DRO
Hi all - can I have some (more) advice please?? I was discharged from a DRO in September and have finally, after several months of trying, got my credit report updated for all 5 credit cards in the DRO to 'Satisfied'. However, now there is now a new lender on my credit report (under 'Loans') called "Pco Holdco S.A.R.L - Gt…
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Bonuses
doing slef dmp now up for review from one of my creditors but have had a bonus just wondering how to work out how much i would need to pay creditors 7 creditors totalling £36,000 bonus £3000 we owe £6639 to creditor that is now reviewing our dmp. how do i work out percentage of this bonus to this creditor. paying £360 per…
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f&f offer IVA
advice no longer needed
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Please read
In 2008 i got myself into bother with debt, i was approched by an IVA company who completly pulled the wool over my eyes and convinced me that an IVA was my best opiton without really telling me what other options i had, the IVA was agreed, but about 1 an a half - 2 years into it, they began to demand more money, more then…
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Have done 12months on my DRO when should i hear from them whether its gone through ok
I have now completed my 12months on a Debt Relief Order 3 days ago-but I havent heard from the insolvency people at all,does that mean my debt relief order could have been revoked(cancelled) perhaps because of the way i spend my money as i do have a spending addiction and keep spending my Income Support on things i…
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Help!?
We have been in our IVA for 18 months. Our IVA is with Payplan. Last July I had to leave my job due to ill health. When we had our yearly review she didn't like any of the figures I gave her for our incomings and outgoings and basically made them up and then told me to sign a form saying we were happy to be having bigger…
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ppi after iva
how long after an iva can you claim your ppi so you keep it all
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Is an Iva the way to go?
Hi all, this is a bit of a long story but please bear with me. In 2005 i bought a house for £105k with my ex, with a £20k deposit provided by my ex's dad. All was well at first until after about 12months the ex reveals she has massed up £15k in debts on credit cards and store cards. The only way to sort this was to borrow…
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Claiming back PPI for debts that were written off in my DRO
Can you claim mis sold PPI after a DRO? and if you can do you lose some to the insolvency people should a claim be succesful
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Can I apply for LILA while in a Protected Trust Deed?
On behalf of someone who is in a protected trust deed, is on benefits, really struggling to make payments and missed last months a LILA would seem like a better option. Does the trust deed need to fail before a LILA could be applied for or could this be done straight away?
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Ex's IVA having effect on me -Legal?
Hi folks I've got myself into a bit of a situation here. When I went for a divorce with my ex I was foolish enough not to get a court order stating she needed to re-mortgage or sell the house when our current deal came up for renewal. Since then she has put herself on an IVA meaning she can't get a mortgage. This obviously…
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what will happen from the hole ive dug?
Im 5 years and 7 months in to my IVA and ive kinda dug a hole which seemed like a good idea at the time. when i was about 4 years into the iva i started to look into remortaging thie house but no one wanted to touch me being on an IVA. and even when i asked for it in writing they refused point blank to do that as well. i…
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IVA and Bank Accounts
Hi, I am currently 3 years in an IVA with Grant Thornton and need to apply for a new bank account. I have been looking at the Nationwide Building Society's Cashcard Account and was told they do not carry out credit checks nor do they ask whether you have an IVA. I have the application form and on it is a question about do…
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IVA - Truth Please
Hi, I am after some advice please. I am currently 3 years in an IVA with Grant Thornton. When I spoke to them a while ago I explained that had heard information that when the IVA comes to an end i.e. in 3 years time, my credit history will be cleared and that's that. Now I was originally told the IVA will end and then I…
