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f&f settlement help please :)
Hi I and my husband have just under 2 years left to pay into our IVA. A friend of mine has offered to pay £2000 as F&F settlement. our debts were originally £26000, We have up to date payed 35 payments of £218, followed by now paying £290 pm, with some months paying more due to additional income. On my last annual review,…
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CRB check
Dear all, I've just been asked to complete a CRB checklist as mine has run out, I work for the Council. I cannot get my hands on a copy of the form until next week to see what questions it asks, but I'm worried, given I'm in an IVA does anyone know if it asks about debt on the forms? I cannot recall... no one knows about…
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Sfc - iva
Hello, Hope someone can help, I am currently being offered an IVA by SFC. I am currently in debt for roughly around £13000 that includes some payday loan companies. I was contacted by SFC to which they informed me my best offer would be to go down IVA route. I would need to pay £100 for first 2 months to get the draft…
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IVA done but nightmare experian credit cleanup
Well my IVA finished September 2011, but a couple of defaults from natwest have the wrong default date on them. I contacted experian, equifax and call credit to say that they were incorrect, equifax and call credit both said they would raise a dispute with natwest. Natwest have failed to respond so both of these companies…
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IVA Completed but defaults remain
Hello; I had a lump sum IVA accepted in April, with funds trasnferred and IVA signed off and completed in August. Checking my credit report, all of my creditors still have defaulst (though some from April, with no additions since). I have been advised to send letters to all of my (ex) creditors and ask them to change the…
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owning horse
hi, a friend of mine is offering me her horse ! Since starting a full time job in June and earning a good wage each month which my IVA has been made aware of. I am very keen to have her horse. I have re searched and I can manage him on a £200 per month budget. However, im only 18 more payments away from finishing my IVA…
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Bankruptcy question for finance/insurance
Hi, i am looking into changing bank accounts as my nearest Natwest branch is 20 miles and I want to be able to bank face to face. Having had a DRO when they ask whether I have been made bankrupt how do I answer? Is a DRO bankruptcy? Thanks
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Iva
could anyone help with this query it you were in an IVA and some one transfered money to you to save for them, could it be taken into your IVA even if it still belonged to them but the account was in your name Many thanks
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DRO budget help please.
Hi hope someone can help. I'm writing my budget for a DRO and Im stuck on an amount for gifts and baby items. Can someone give me a maximum amount allowed please. Also I'm due another baby in december and I've been told that it can take 8-9 weeks to process, do I include the new benefits and expense for an extra baby or…
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Just want to check my credit history
Hi, I have had a trust deed and DRO in the past but both are now settled so I am now debt free :beer: as of December 2010. I have pulled up my credit history with credit expert.co.uk and I just need to clarify something. It says that I have 2 accounts that are in default but are settled. What does this mean and do I need…
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Considering a DRO
I'm a little less than £15,000 in debt. Most of it is early termination charges. Having spoken to NDL, I have been advised of one option which is a DRO. I cannot see my circumstances changing and feel it's the only option. I have also been advised to open a new bank account before I do it. Just one part it I am a little…
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Nearing the end.....
In year 3 of IVA and I have a question. I have seen comments posted on this site regarding VIA completion certificates and that they can be dragged out by possibly a whole year. My questions is, after the 60 months are up and the payments cease, will I still have to send in payslips to the IVA company for them to check if…
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Advice on DRO and DMP
Hello I am new to the forum and just after some advice and a second opinion. Firstly let me explain my position I am a 'mature' student in my first year of study for my degree, (previously did a foundation year) I currently have debts totalling £4,573, from 3 separate credit cards, one store cord and one personal loan,…
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Business Fuel
Hi all, I've had to use my car a lot for business miles this month and have paid for the fuel upfront and will be reimbursed at the end of the month through my wages. Will this reimbursement be classed the same as overtime etc as it will mean my wage is greater than the 10% allowance therefore losing out twice in my mind.…
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Debt Relief Orders (DRO) and catalogue debts
Been advised that a DRO would be my best option - but can't seem to find out anywhere if the catalogues would ask for any items not yet paid for, or on buy now pay later to be returned? I had to buy a fridge freezer on buy now pay later back in february and I bought a kindle back in June. I will obviously now have to…
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Iva questions
Can you put personnel guarantees (from a business) in a IVA. Thanks
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CCCS not able to help?
Hi, My brother is in an IVA with Freeman Jones. They are causing him serious headaches. He's in tears many days with the stress of it. I advised that he approach the CCCS. However, they told him that because he was already in an IVA they could not assist him in any way. This seems contrary to the stick pasted on this very…
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iva completion certificate
hi, just wondering if anyone can help, finished iva in jauary:) recieved a document today from iva company saying iva completed 2nd nov 2012:j, in the letter it says we should have the completion certificate..... is it a proper certificate, like you got at school etc because there is nothing like that included. there is…
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Natwest visa grab from RBS account?
Hi, wonder if anyone can answer this.. having a couple of big payments currently overdue to Natwest Visa, might they grab the cheque I need to pay in to my online RBS business account - needed to live on til New Year- if so, might it be safer if paid into my personal RBS account (as local branch based, and was more or less…
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Help needed DRO, the aftermath and improving credit.
Hi all after years of struggling with debt, caused by a high maintenance ex Fiancee who nearly bankrupted me, i obtained a Debt relief order in March 2011, my one year ended in March 2012. As you can expect no one will touch me with a barge pole at the moment, so i am hoping for some advice and help for ways to improve my…
