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PPI claim outwith trust deed
HI there just a wee enquiry regarding my trust deed. I have now completed it but not discharged yet, I have contacted my IP who has informed me that they want to pursue PPI claims which I assumed were on the debts included in my trust deed. My wife had put in a ppi claim on a secured loan we got years ago which is paid off…
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Completed DRO - change of address?
My DRO finished on 28/05/11 and now I am in the process of 'cleaning up' my credit report as many of the credit providers have not updated information. However, what is concerning me is that all the credit agreements involved in the DRO all still have my old address as I have since moved. Is it necessary to inform them all…
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Iva and ppi issues
So I started an IVA last October and have had a six month break from it. Thought I would go after the ppi that I must of paid about 6k worth debt free direct want me to use equity in finance who charge 33% which I feel is ridiculous wouldn't it be better to come off my debt? I originally sent a letter to santander to start…
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Next step after DRO ends
Hi all, I was just after some advice. My DRO ended yesterday- :j and I'm wanting to move on. I've printed off the paperwork from the IS site. * Can I start to save? Is this a problem? * Do I need to tell the IS if anything changes or is that it over now? * How can I start to rebuild my credit score? Thanks all in advance. x
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iva advice required re joint loan
i am currently 5 months into an iva and everything was going well until this week. all my debts were included in my iva including a joint loan i had taken out with my wife.all my creditors accepted my payment plan,including lloyds who the loan was with,and my wifes small income was included in my figures for my payment…
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Warrant of issue of warrant of execution
I had some work done in my home last december (december 2011) we had only received a verbal quote which we accepted but never received a written one however we still let the work go ahead. The gentleman had stripped out our kitchen to get it prepared and we were waiting for him to start on our new one. We had waited 3…
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accident claim
Hi guys, i would really appreciate some advice, I was involved in a car accident yesterday morning where a van entered onto a roundabout and collided into me when I was already established on the roundabout. Bery shortly afterwards (within the hour) began to have a headache and pain down my neck, this morning it has…
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ccj and dro
I am in the process of applying for a dro, i have the letter to pay the fee which i will be paying next week. However i have recieved a ccj which have only recieved the letter this morning and they are expecting me to pay £125 by monday, which needs 4 working days to clear so i would need to pay it today! I have no way…
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Do i persue an IVA ?
I am currently looking at taking a IVA out with DebtFree Direct ? I currently owe around £37,000, and with a family of 3, i am one worried dude ! I dont see a way out of this debt, cant give the kids the treats they deserve, but there is something about an IVA that scares me ! I have always believed in the phrase ' there…
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IVA Help, partner died during IVA
Can someone tells me what happens to an IVA once a person dies please? My brother and partner both had IVAs. The IVAs included 2 joint loans and the rest individual loans, credit cards etc. Sadly my brother passed away. He had a life ins policy payable to his partner along with a company pension and death in service…
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Possible IVA option ?
Hello there, 3 months ago i taken out debt man plan for £17,000 at £125.00 monthly. £35 goes to debt man and £90 goes to my creditors Today i received a phone call from my Debt man company asking if id consider IVA giving me positives. I have a mortgage where tennants live there and i cannot lose this house. I dont think…
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Insurance payout in IVA
Hi all, Im in the 2nd year of a IVA and Ive just recived a insurance payout that Ive been paying into for years. Will my IVA find out if I dont declare it?:think: I know its not the right thing to do. Also Ive just recived a cheque from firstplus for my 5 year PPI a nice amount will they know about that? And im in the…
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credit file clean up
My partner had a dro from 2011 to 2012 and it ended around april time. She had and still has a hsbc basic account and wants to upgrade to a standard / normal hsbc account (still free - no monthly cost) as this means we get the regular savers account 6% apr if we put upto £250 a month in the account (of which we can afford…
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Morgage after iva
I was wondering if i could get some advice on my chance of being able to get a joint mortgage with my girlfriend or my options if you think this is unlikely. Also any advice towards being able to help my chances of being able to get one. My situation is : I divorced in 2008 and was left a lot of debt unfortunately in my…
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help please
Could anyone please tell me what the food allowance is for two people on a debt management plan budget expenses sheet. I am completing my annual review and need to know the maximum I can claim for 2 adults. Many thanks:T
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Another question on PPI after completing a IVA
I finished my IVA in March and have received my certificate of completion so i decided to try a ppi claim on one of my loans. Received a letter yesterday saying that i was going to be awarded xx amount of money but directly under this it says as i have defaulted on my loan this money will be deducted from my outstanding…
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IVA problems
Hi all just looking for some advice really I have had my IVA since March 2007 and it is due to finish in Feb 2013. My partner left me at xmas and because it took a while to sort out my tax credits etc I could not afford to pay my IVA for 6mths I have now started paying again and am supposed to be sending my documents in to…
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£160 for IVA paperwork!
I got a call from CreditFix one evening and we looked into an IVA. They sent a rep around to go through my documents (income and outgoings). THey copied some of my ID and went away. A month later I got the paperwork through from Creditfix. It contained many documents that I had to sign to give permissions for them to act…
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IVA Settlement Advice
Hi, I have a friend that has an IVA which is 3 and 1/2 years old paying £300 a month. At the rate he is paying there is just over 5k left to pay. There is a possibility that he could be made redundant in the near future and receive a pay off of more than the 5k. Would he just pay the remaining amount on the IVA or would…
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Anyone done their IVA through CCCS?
If so would you recommend them? We have a meeting with them next week to look at setting something up and they seem great but just wanting to get some reviews really if anyone has any experience of them. Thanks
