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Post IVA Question.
I have now completed my IVA. Can I claim back reclaim the PPI from the creditors that were involved in the IVA without causing myself more problems with these lenders and how far back can the reclaim go? B16Tex5
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IVA Finished - New Credit
I completed my IVA just over a year ago. I have been monitoring my credit report using Experian - Credit Expert. This week the last of my defaulted accounts dropped off my credit report as did my IVA, so i have a nice clean credit report. I also checked my latest score and it listed it as 905 - good. The text said that…
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CCJ Overturn
I have a ccj from 03 october for 388 which i satisfied on 25th November 08. At the time I was in the Royal Navy and was away serving. I came back in october to find a court order to pay and when I came home there was a week left to pay. As I was away when serving when it was first issued would I be able to get this…
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IVA closure advise please
Hi I have completed my IVA payments almost 12 months ago with Grant Thornton, who took over my case from Blair Endersby. I have yet to receive my certificate of discharge, something I knew nothing about as I thought once the payments were finished so was the IVA. I applied to claim back my PPI charges and have just found…
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IVA and becoming a student
Hi I am 3 years into an IVA and due to start university in October. I am entitled to student loans and grants to help me as a student. I understand that any type of student grant is classed as income and they can take 50% of of me? How is this fair when this funding is purely for studying? :( . I have not yet spoken to my…
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Allowable IVA expenditure
My yearly review is approaching and i want to go through my paperwork and submit my expenditure, i just wondered if there was a guide as to amounts allowed, ie clothing, food etc.... I tend to only update my previous years list and forget new expenditure, for example i previous claimed pet insurance but cancelled when we…
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Bankruptcy and insurance
Hi Guys My partner and I are discharged bankrupts 2 and 1 years respectively. Can anyone advise where to start with car and house contents insurance as using comparison sites doesn't identify companies who will accept ex bankrupts until you get to the fine print when you actually try to take up the offer. Thanks in advance.
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iva advise
hi just applied for a iva but they advised me to stop paying all creditors,took their advise but worried sick is this normal it hasnt been approved only sent paperwork back today they told me when they ring not to ignore them but to tell them to contact the iva company,thanks in advance for any advise i feel like a…
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IVA Completion dragged out by another three months
Hi all, Hoping someone can advise me. I started a IVA in September 2006, and finished paying my contributions in September 2011. Once I finished paying it took until February 2012 to finally get my Completion certificate issued, Which is the satisfied date shown on my credit report. Does this mean that the IVA record wont…
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Iva settlement
I entered into an IVA, but did not pay monthly, instead agreeing a full amount with each debtor. I have a settlement filed with the Court dated February 2010. I am confused. When can I apply for credit again ? I thought it was 12 months after settlement ? Am I still governed by 6 years from the date I took out the IVA ? If…
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DCA now has my debt that was included in a DRO
Received letter today from a debt collection agency about a debt that was included in a DRO, am I correct in thinking this isn't going to go far? I knew there would be letters but it can't be collected? I took the biscuit and called them up, let the girl go through her speel and mentioned the DRO to which the reply was uh…
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IVA fraud - Is there such a thing?
Hi, wanted to run this by some expert money savers. We have a family couple who entered into an IVA 2 years ago. Not through redundancy, I'll health or divorce but through years of over the top spending (we probably all know couples like this). However, the surprising thing is that the spending habits still have not…
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Applying for IVA when on IO mortgage.....
Hello Please read as this may effect some of you... when I applied for an IVA for which I was accepted:j, At the time my mortgage was Interest Only and on a SVR. My buiding society contacted me 4 months into my IVA to tell me that the IO period was now up and the maximum period for IO is 3 years reviewed every 6 months.…
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DRO within 3 years of BR discharge
Just come off the phone after a chat with a CCCS advisor after doing there debt remedy. She said as DRO was a form of BR I would not be able to do a DRO due to a 6 year rule? Thought this only applied if you tried to go BR within 6 years of previous discharge BR September 2008. ED February 2009 is this correct fully…
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please help
my mother died leaving a small house (value £55,000) between 5 of us. My brother wants to buy the house outright and is willing to pay us fairly. I am in an iva and my brother has always helped me with debts. Our agreement is that I will sign over my share of the house to him and our debts will be clear. Will my iva…
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Two quick questions iva
We are doing joint iva in the next six months.I have two small debts I am going to get rid of, is it worth me holing onto vanquis credit card or do I need to include it? It is handy for emergencies. Also I owe on previous countil tax, we want to clear it before iva as we have had a ightmare with balliffs etc, the iva…
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very.co.uk charged £12.00 for arrears of £5.00
hi first time i have ever shopped with very.co.uk, genuine mistake, i guess i assumed i had input my credit card details at the time of ordering and thats was it, i had the goods in june and today come home from work to find there is a collection agencies letter for £12.00 as my account is in arrears of £5.00. the total…
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IVA advice
Hi again all. I have spent the last 10 days considering my options after contacting the National debtline and CCCS and reading the reems of info on here and other websites. I owe £24,000 made up of two bank loans, an overdraft and various payday loans. It would seem that my best course of action would be an IVA as I could…
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DRO and benefits
Just under a fortnight ago I completed my application for a DRO with the citizen's advice bureau, and am now awaiting the barcoded letter to go and make the £90 payment. When filling out the budget my advisor at CAB said that my disability living allowance (DLA) payments didn't need to be included as disposable income as…
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IVA F&F Settlement
Hi, Just a quick question. I settled my IVA one year in to the 6 years through a F&F settlement :) I have received my certificate and I have just checked now (3 months on from this) and our names are off the insolvency register .......wohoo! What do i do now re clearing up my credit, or can i even do this yet as the IVA…
