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Question about partners debts and DRO
Me and my partner have some debt between us (none of it shared, it's all in our own names and we have no shared accounts, assets or liabilities), I'm the breadwinner in the family as my partner can't work due to health reasons. Every month I pay some money into my partners account for housekeeping and rent and some extra…
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will tesco take money from a natwest account??
I've just set up a DMP , opened a basic account with natwest, spent bloomin hours transferring over all our DD's then realised that tesco is RBS and natwest is now part of RBS. The DMP is only for a few months , we'll then be swapping to an IVA. The tesco credit card has £1400 on it. Realistically is there a chance they…
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advise needed please..
Hi,can someone advise me please,i am subject to a dro and have received a winter fuel payment,do i need to tell the insolvency service and will it affect my dro?
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Creditors still chasing despite IVA
I wonder if anyone can give me some advice. I was awarded an IVA in April. When it was agreed I was warned by my practitioner that I may still get some chasing letters and to just file them, but not to respond. So this is what I did. I then started getting phone calls from Viking Services on behalf of Santander who were…
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PPI refund and our IVA
:) Hi all, we claimed mis sold ppi with FirstPlus, whom we have a secured loan with. We today recieved a letter saying they upheld our complaint. However we have been in an iva since 2009, although the FirstPlus loan is obviously not part of it. FirstPlus have told us they have written to our ip to inform them of their…
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dro and parking tickets
can someone pls tell me if dro are included in dro thanks
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help please Claimed ppi at end of Iva
Hi I wonder if someone can help? I got myself in a a bit of a mess and I ended up going into an Iva. I made all payments up to date and i finished the last payment in April this year. While I was waiting for my Iva to complete, in May I decided to make a claim for PPI off Lloyds bank, they agreed i was miss sold and have…
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IVA Completed PPI claim..
Hi I wonder if someone can help. My mum had an IVA which she finhsed on 3rd August. She hasnt got her certificate of completion yet. During the IVA the company made PPI claims and used them to pay off some of the debt, Now the IVA has finished she has made a PPI claim against a loan which was NOT involved in the IVA and…
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Started the credit file cleanup!
I've started it! I checked my credit file for the last 2 months to check if any of the creditors on there successfully updated! Only 2 did! Luckily though there are debts from my DRO that aren't even on the credit file! So I had 3 to deal with! 1.Lowell 2.Halifax 3.Alexander James So I bypassed the letter to customer…
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Young and with an IVA? How old are you?
I was just curious, and almost hoping that I'm not the only 26 year old that got so far into the red she ended up with an IVA and loosing her house!
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Trying to decide IVA or DMP?
Since taking out our loan, we have had children and lost my main income. We were just managing to meet our repayments with my husbands overtime. This has now been scrapped completely and we are now another £500-£800 a month short and can not afford to pay our loan and feed our children . Repayments are £437 (aprox £25,000…
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DRO possible change in circumstance
I wonder if anyone could help me. My DRO has been approved, I'm currently living alone where I used to live with my ex some 350 miles away from my home and family and I'm miserable. I've been considering moving back home, which would mean, because the rent and bills are almost double down here, I would be looking to live…
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End of 2nd yr IVA, change of Circumstances...ADVICE PLEASE!
Hi, Could someone please give me some advice/reassurance please on our situation. My husband only is in an iva, we are just coming up to the end of the 2nd year of payments. Shortly by next month we will get the paperwork from Paypal ready to start our 3rd year. Our circumstances will have changed a lot by the time our…
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iva completed...ppi from creditor within it
Hi anyone experienced redress from.Egg? Some people have and mine is being investigated just putting feelers out for payment success overall Thank you
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Which DRO startup agencies request only 1months of bank account statements??
I have decided that im going to get a DRO. I am going to get it through CCCS, however does anyone know if they request to see your bank statements for the last 3months, or just for the last 1month? And if they ask for 3months does anyone know any agencies that ask for just 1months of bank statements please? Thanks
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DRO.... disposable income calculation
Please can somebody tell me.... for a DRO you have to have a disposable income of less than £50pm. Is there a guide that explains how this is calculated when you consider things like Clothing, Entertainment, etc, etc........... Also, is it based on the current tax years income or the income for the previous year...........
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Payplan changing terms re IVA closure and PPI claims
I got a letter through from Payplan saying they were holding a variation meeting with the creditors to amend the IVA terms. As I understand it this is so that they don't hold up the closure certificate whilst they pursue any PPI claims or VAT from HMRC. I'm sure this will be a good thing. My only concern is the way they've…
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Repairing Credit Rating after IVA
We have completed our IVA and it has been over 6 years now, we are trying to get a mortgage but seem to be in limbo land again, everything is off all 3 of the credit agencies nothing shows, our supposed credit rating is apparently above the national average. After looking at the how to repair your credit rating section and…
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IVA Finished Back to Nice Shops
We made our last payment on 31/10 :beer: Went to a butchers today havent been to since we started IVA as just couldnt justify the extra cost of organic free range etc etc and they remembered me and actually asked about my mother and how I was. OMG I now have 1/2 a lamb and a whole silverside Im so excited how sad is that…
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Limbo
Please can you give me some advice. I am unemployed and transferred all of my redundancy money to my IVA company 2 months ago as a F&F settlement. We are ok as my partner works so we can get by (he was never part of the IVA). My question is how long should the completion certificate take to come through? I never asked the…
