-
Iva & possible new home mortgage
Hi, I entered into an IVA in 2006. completed in September 2011 and everything has now been removed from my credit file and I have a good score. I'm looking to get a mortgage, potentially a new home mortgage where the Government and the builder provide 20%, the deposit is 5% and a mortgage of 75% is required. Does anyone…
-
SOA Advice
Hubby has an appointment to speak with Payplan next week and am trying to make it as easy as possible with figures ready for him. We are pretty sure that an IVA will be advised :( but happy with that outcome. Listing debts is easy :shocked: ouch! However with the SOA I getting a little muddled should it be actual figures…
-
Iva or dmp
hi all Iam considering entering into either a iva or dmp, however I am not sure which. I recently spoke to a company called payplan who went through all my circs, then offered me an either or situation with an iva or dmp, they would not advise me which one would be best, however I did get the impression they were trying to…
-
IVA completed and Capital one trying to chase there debt after completion
My Wife finished her IVA 4th September 2011 Capital one keep sending us letters for the out standing amount on the debt to them. Through various collection agencies of there own First being CapQuest back in January 2012 Balance being £1396.43. Then Credit Solutions 4th September 2012 balance being £1262.39. Then Today a…
-
Government agency claiming student debt AFTER iva complete
Hi everyone I finished my iva through a FF settlement exactly a year ago. This morning I got a letter through from a debt collection firm on behalf of the Skills Funding Agency demanding payment of £1500. It was the first time I had heard of SFA, and the first time i had heard from them, but a bit of research revealed they…
-
PPI claim years after iva completed
Hi all I finished IVA early in 2009. Today I have been offered money from a PPI claim against a loan that was included in the IVA. The letter reads “Our records indicate your affairs are being dealt with through a insolvency practitioner and they will liaise with them and forward any payment then due” is this right? And if…
-
IVA Confusion
Hi I wonder if you can help, having spoken to a number of the debt charities, CCCS, Payplan and the Debt Support Trust and they have all suggested that an IVA was the most suitable option. We are currently working with Varden Nuttal on our IVA Proposal who we were referred too Is this a reputable company; they have some…
-
Iva - ppi ??
In IVA with 8 Months left! 100% Being paid back to them! Plus possible intrest! I have been contacted them asking me to try and claim PPI to pay into my IVA Do i have to do this? Would it not be better to wait and claim it myself? To me it just seems like a ploy for them to get more money out of my debt!
-
DRO debt still ruining my credit
Hi all, I was relieved of my debt (DRO) about a year ago thanks from the help of all you guys. Today I received a letter from one of the debts saying along the lines of "we have changed companies so you now owe the money to (new company) and they have told all of the credit agencies (Experian etc..) of my debt". Should…
-
Reclaim PPI from IVA..?
I was asked this question over the weekend and thought I'd ask here.. Can a person reclaim PPI that was sold to them BY the IVA company..? The IVA in question has been completed and they have a Completion Certificate in their hand from when they completed in January 2012.
-
F&F offer accepted
Hi all i would like to thank anyone that has aswered my q's or offered advice over the last 12 months. I have had a offer accepted in full and final after a year with a IVA, i have only managed this due to a very helpful relative and the real possibility of me being made redundant shortly, even the NHS isnt safe!, i have…
-
DRO or IVA?
We've been on a DMP for 5/6 years with CCCS and Payplan and to be honest our debt hasn't reduced a great deal so Debt Free Direct contacted us during the week, we went through a telephone meeting where they took all our details and they said we qualified for a DRO and IVA but we are unsure which we should go for. Both seem…
-
FF Settlements
Hello Just wondered if anyone has thought on a settlement figure based on 23 months to go on IVA at £200.00 per month. Would £2,600 be the only accepted amount? It's been a struggle but to anyone starting out, it does pass and you do manage. I have had changes in the past 3 years and thankfully my mortgage provider and my…
-
IVA completed, but old debt has resurfaced that wasnt included
Dear Forum; Worst day I have had for a long time, I recieved a letter from a collection agency regarding an old credit card debt thats been sold on, for £1450 The thing is, I just completed a lump sum IVA for a total of £75,000, across several credit cards. On checking, I neglected to include this credit card, by accident.…
-
IVA and giving up work to start a family
Hi I know this seems a selfish position to be asking about money, but it is now possible for me to give up work to try and start a family, and my partner would be able to cover my bills until we move in together (odd situation, long story!). I have had a confused conversation with Freeman Jones that seemed to result in…
-
Discharged DRO but still defaults?
Sorry me again, My husband had a DRO almost 2 years ago, it was discharged last october (12 mths after it started ofcourse) He just checked his credit record and only 2 out of 8 of the creditors have put them as settled or closed he had still be chased for some of these during the dro period too Do we write to them and…
-
Getting phonecalls from creditors
I am in an IVA with payplan and have started getting phonecalls from creditors one is saying they have not recieved any contact or payments since march. Should I be worried?
-
DRO and DLA?
Hi, I am a disabled mum and I have 3 children one of which is also disabled. I get low rate DLA for care and mobility and my child gets middlerate care I am writing up my income/outgoings the problem is the DLA though we spend it every month without fail it is on different things each month for example one month I might…
-
IVA and student loans
My husband and I have an IVA which started Feb 2010, our son is hoping to go to University in 2014. Will the IVA affect him getting a student loan?
-
DRO Lender Harrasment
Hi, I am just looking for a bit of advice, I went on a DRO in the new year and had no problems from any of my lenders others than Argos. I gave them my ref number and thought that was the end of it, then they passed my details onto a debt collection agencey so I then gave them my details they seemed a bit annoyed and gave…