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IVA & DRO
Archives for November 2012
Discussion List
IVA Experiences
Hello All As has been pointed out recently it would be good to have a record of peoples experiences about their IVA firms so that people entering an IVA can have a look at them. Therefore i am hoping this thread will be populated by people just ending their IVA's. I would ask people to wait until they have received their…
IVA Q's
We are in the process of entering into an IVA. We have the creditors meeting scheduled within the next 2 weeks, our proposed contributions are £300(ish) The question I have is; My wife and I have an interlocked IVA, I am the only income earner at the moment but my wife is considering going back to work part time. What…
IVA VAT exemption & refund to IVA
I have just received a letter from payplan stating that HMRC are refunding the VAT from my payments. I am almost three years into a six year IVA agreement. This payment is likely to be around the £1500 mark or more. If my payments included VAT and this been returned then surely my 72 monthly payments should now be reduced…
DRO 12 months on - question
hi, i have a DRO was that set up in Dec 2011, as i understand the debts are discharged after a year. Can anybody tell me what the process is when the 1 year mark approaches, does the OR contact me asking for proof that my circumstances are unchanged? Or do I contact them? Do i need to provide bank statements, benefit…
IVAs - confused
GoodAfternoon, I would really appreciate some help please. My partner and I have debts in the region of £20,000. We have been in touch with the CCCS over the past year or so on and off and in April we were advised that my partner should go for a DRO and I should go for bankruptcy to end our debts. A friend advised me to…
Completed IVA now what about PPI
I have read all other threads and none really answer my question so here goes! We have just completed an IVA (YAY go us lol) :j We had a number of loans with PPI and believe this was missold. Now we could reclaim but what happens as we have completed an IVA. Does the money still go back to the IVA company and they…
D r o
Hello, I have a bit of a problem and I hope someone can help me sort it. I obtained a D R O on May 2009, and the moratorium period was for 1 year after which all debts are deemed to be written off. I have checked my credit report and both Barclaycard and Shop Direct Finance still have me listed as in default. How can this…
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