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Littlewoods and DRO
Hi every one This is my first post and hope I make sence I owe littlewoods cataloge about £6000, I brought a load of stuff for my new flat and for my sons flat about 2 months ago but on a buy now pay next year thing, iv moved now so every thing is in, problem is iv been made redundant, there is no sign of another job yet…
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IVA No completion certificate
Hi there, I was wondering if anyone can help me please? We finalised our IVA back in Jan this year and we are still waiting for our completion certificate! Everytime i ring payplan they say it is all down to claiming back vat and that there is still money in our accounts that hasn't been distributed yet! Surely this is not…
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Wifes additional income
Hello All, It will soon be Christmas:D I am now nearly 2 years into my IVA and my wife is now 5 years post BR. The contribution to the household was split 50 / 50 as I earn more than my wife. She has now been offered a promotion and really wants to take it as it means more training and obviously more pay, however she is…
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Questions / Advice
Morning all. Basiclly my OH step dad is a compleete screw up! gambled away pretty much everthing he could get his hands on, ended up looseing his business (but not before gambleing away money he was supposed to be paying in income tax) Lost his HP Car as he didn't make the repayments, Was taking money from OH mum to pay…
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IVA complete but still problems, advice required
morning everybody. My wife and I took out an IVA in July 2005. This was completed in July 2011 without any problems. As per the courts etc we received no statements etc from the creditors we owed money too and they were directed straight to the IVA company. Since the completion of the IVA I have paid £2 for the statutory…
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IVA finished & now confused
Hi We finished our IVA in May 2012, Looking now to build credit history. Checked credit report to find no finish date for the IVA, So I will be contacting Credit agency's to get this rectified (Can anyone point me in the right direction to find a sample letter) Also confused with credit report it has very little info ie:…
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Phone contracts
There are seven phone contracts in my name (i only use one) and the others were for other people who I thought were friends. But they haven't paid and now i am in debt :( . So would a DRO be an option for me?
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Trust deed near completion
Hi all looking for some help on rebuilding my credit rating. Been in a TD last 3 years and start of November is the last payment (£245pm) better off soon. I spoke to my trustee and basically I can start reapplying for credit now. I reckon a credit card the easiest way to begin and I know it's high interest only that will…
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car troubles
I'm 15 months into my IVA and things just keep getting worse, now my 10 year old car is on its last legs and I know I'll need something else before the next MOT. I don't want a banger, can't get a new car (no finance available), have no savings so need some options. Is leasing a possibility and if so does anyone in a…
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OH going for IVA
My daughter is just going through a divorce and living back at home with us. She owes no money apart from a joint bank loan, £15000 with her OH this was taken out to cover his previous depts. She has just found out the OH may be going for a IVA to pay off his other new debts, including a proposed settlement of 4k against…
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tudor kirk
Evening all: I was wondering if anyone was dealing with tudor kirk.I had thought I was dealing with a good company but after having sent all my paprwork off they dont seem to be doing much. It has been over twoweeks, they now want a payment and I havent received my propposal yet. should i be worried?
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Feeling Clueless and need a bit of help?
Hi all, I am new to the forum having signed up today but have been a ''Lurker'' for a good few months now. Firstly I would like to say that this forum has been fantastic in helping me with my decision to go BR, and I took the Bull by the Horns and declared myself BR on the 30th July 2012. I do feel like a massive weight…
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My credit report??? Very Confused!
Hi all. I dont post on here much and havent been around for a while.. I finished my IVA end of 2010 which was an amazing feeling. good luck to the rest of you. Now this is my problem I have check my credit report as was looking at mortgages etc please see below for example Cabot Fin Credit card / S... Default Satisfied…
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Ppi
Hi all, I have won my ppi claim against egg and been told I will be getting a cheque through in 15 days from them getting my signed form, does this mean I will really get it or can they still keep it as it was part of my iva even though they sold it on and don't have any paper work about it? Just hope it comes through as…
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IVA Failing
I have had an IVA since 2009 and have struggled but still managed to make my payments, my income has now gone down but my iva payments have risen and I had to defer last months payment as I had to buy school uniforms, I have calculated that after all my bills go out I am left with about £90 per week to buy food, petrol I…
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Iva question
I've been on my IVA since the begining of June now, and I've had no further problems with creditors. I just want to ask if there is a credit card for people who are on an IVA as I would like to have some form of credit in an emergency. Many thanks.
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Post IVA Mortgage/Credit File Clean Up
Hi all - any advice / help anyone can give would be greatly appreciated as right now, I feel at a little bit of a dead end not knowing where to go. I completed an IVA in July 2011 and between now and then have been working hard to clean up my credit file - I thought I was getting close, but hit a bump in the road last week…
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IVA advice, i want to keep my home
Would anyone happen to know how any equity in your house works when going into an IVA. For instance, if i entered into an IVA and paid this for a year or two, then a family member were willing to lend me some money purely to pay off the IVA as a full and final settelment. Or if i could get a family member to lend me the…
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IVA & new business
Hi We have been in an IVA with Payplan for 15 months and it is going well. I'm employed but my OH is self employed and his business is struggling. He wants to diversify by starting courier work but I am not sure if this would be allowed under the IVA. Anyone have any thoughts? We wouldn't be outlaying anything extra for…
