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DRO Application Info Please
Hi, I recently spoke to National Debtline who has said they are taking up to 9 weeks to process new DRO's. Obviously that's quite a long time and I already have debt collectors, namely doorstep collectors asking for the reference number to stop them coming around. The application National Debtline sent me should be here…
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'DebtFree Haven' offering IVA Alternative
Hi, I was wondering if anyone had heard of a firm called 'DebtFree Haven'. They wrote to me, implying that there are ways to write off my debt instantly (as if by magic!!!). They seem like a bunch of charlatans out to nab IVA customers, pointing out some of the IVA downsides (none of which is news to the informed IVA…
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DRO and credit file
When does a DRO fall of your credit file. 6 years after date of order or discharge date?
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IVA company not responding to letters..advice?
Hello everyone, Having problems with my partners IVA company. They have written to my partner to tell him they have increased the term of his IVA and not explained why. The company keep sending correspondence to old addresses, even though they are aware of where our current address is. We know they are aware as they have…
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Debt advice link
Hi, my husband is currently on a dmp with cccs, and debt advice link have telephoned to say that he can get an iva for 100 pounds a month, they're one of three companies in the uk doing it. They have to ring people on dmps to tell people about the new government legislation, it sounds a bit too good to be true. There is a…
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More PPI refund when on anIVA
I have been on a IVA for twelve months this Febuary, all ok so far. I have tried claiming PPI several times in the past but got nowhere, however, recently I looked into it again, having found a whole load of account numbers that I had no record of, sent of my complaint about being miss-sold etc etc.I did this myself, I did…
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Joint IVA ex partner threatening bankruptcy..desperately need advice.
Hello, any advice would be greatly appreciated. I bought a house with an ex partner a while back, we got into financial difficulty and stupidly I agreed to a joint IVA...I say stupidly as although it was a way to clear my debt we shortly after agreeing to the IVA split up. I made life easy for her as she had met somebody…
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Help and Advice Please :(
Hi All New here and looking help and advice. I have a good credit history and never missed a payment with anything. 6 years ago i bought a second property with a friend as an investment, and like all things today we are in negative equity of 100k. We are a mortgage deficit of 60k approx. My friend is already in a DMP for…
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Two months left!
Hi! My DRO finishes on the 31st of March 2013. I understand I need to get credit reports and copies of my register off the insolvency website and ensure it's all up to date etc etc.... Is there anything else I should do? Obviously I understand the affect on my credit will last for the next 6 years... is there anything I…
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Thinking about an IVA.
Hi everyone!! Hope you are all ok? Just this morning Hubby and I have been talking in earnest about our debt situation. I've been thinking long and hard about it for a few months now, and it seem like he is too. Anyway, a chance opening came where we were able to talk about it fully (previously nervous about it) and we…
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Current Account in IVA
What happens to a standard current account you have with an institution "you don't owe anything to" once you enter an IVA? Do they simply remove overdraft facility and cheque book if you have those options on the account, do they reduce it to a basic account, or do they close down the account in some cases?
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IVA Question
Quick question regarding my current IVA i am 2years into my IVA and last year took a payment break because of unemployment and that is about to end. I was paying £301 per month towards the IVA and due to still being unemployed and now have a ongoing back injury will prob be unemployed until i have had surgery are the…
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Starting your own business
In an IVA is it possible to start your own business or is it unusually difficult?
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DRO Discharge over 2 years but still a problem
I got my 12month discharge from my dro around 2 years ago (3 years this august) and am still having problems getting things like car insurance on a monthly payment basis and can't even get a phone contract etc. So, I signed up at noddle and see that two of the creditors are still listing me each and every month since the…
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IVA & Equity Release: Remortgage v Secured Loan
I know there has been some debate, and concern, that some IVA customers are being railroaded into taking out sub-prime (eg: 16-20%APR) secured loans, after being unable (unsurprisingly) to remortgage, under the terms of their IVA equity release clause. This is pretty standard stuff if you are in an IVA and a property…
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dro
Hi I would really like it if someone could clear a few things up for me please, I have around £10,000 worth of debt and I am thinking that a DRO could be my only way out. The debt is solely in my name, myself and my partner are both unemployed and he claims joint job seekers allowance for us, I claim child benefit in my…
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HELP re: DRO and Tax Credit Overpayment
I'm new so be gentle with me! I had finally decided to stop being an ostrich and remove my head from the sand. I filled in the online thingy on the stepchange (CCCS) website and it recommended that I apply for a DRO. I got my pack through the post and sent off for my credit report. Now Tax Credits have decided that I owe…
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been chased by cc company
Hi all mse's, i have a dro in place but have the letters still coming through the post which i was told would happen by cccs, but from one company in particular ( a credit card company) still demanding payment along with threatening baliffs etc and even wanted to send someone round on christmas day, should i be concerned…
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Receiving PPI refund when on IVA
I just had a replied from one of my creditor offering me a PPI refund. Will they give it to me directly?
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dro question
Do you actually have a telephone interview with the OR same as with bankruptcy?
