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sarah
hi im in debt by roughly £5,000 and i cannot pay it as only my partner works and the total income we get is £300 a week to pay all the rent and council tax and all the other bills so at the end of the month we are short of paying our bills by £35 i have been advised to do a mini bankruptcy but they said i cannot work for a…
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If I start a DRO in the UK, do I have to stay in the UK for the year it's active??
I'm thinking of going down the DRO path to clear the last of my debt and would like to know if I have to stay in the UK until it's resloved....
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Creditor Problem(formally CLeaning Credit)
Hi guys, iv recently completed my full and final settlement IVA and want to start trying to clean up my Credit file, at least get the stuff set to partially settled, any one know how i do this, iv got my £2 report from the Experian and some are shown as defaulted but with no settled at all.
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YESSS IVA approved today after second meeting.
Hey all I can finally say after a tense week waiting for second creditors meeting, my IVA is approved. Yesssss We can finally start living again, and in 5 years time we will be debt free. After that.... I dont care about my credit rating I dont care if I cant get credit again I/we do feel so guilty about not managing to…
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Dro
Hi, hopefully someone can help.
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Iva
iva r they safe? based in northern ireland,, 29,000 debt,, finding it hard to make payments,, is there a guarntee to take iva and pay set amount for 5 yrs,, will rest of debt be wrote off , at end,, does anyone have experience of iva??please help thank you daisy124
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DRO question
I currently have a DRO with 11 months to go until I am discharged. I want to open a new bank account. When looking at online applications they ask something along the lines of 'are you currently bankrupt, or have any ccjs'. Does a DRO count as either of these things? I know its subject to the same restrictions as a…
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DRO and car valuations
Does anyone know how strict the £1000 max value allowed is for your car if you are applying for a DRO? Are they flexible up to a certain amount over that, say 1200, for example?
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Can no longer afford trust deed payments!
I haven't been able to pay the last 2 months. My hours at work were cut from 35 to 16 and yes stupidly I have been avoiding talking to the trust deed providers. My income is minus without the trust deed, to top it all im 5 months pregnant and going to be off on maternity leave soon with even less money coming in. I am…
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IVA Help after seperation
Hello, My father wife has recently had an affair and left the family home (Council tenancy for over 30 years) they were married for about 14yrs. They were paying a £1000 a month IVA back with about 9 months left to pay. She had agreed as the 'bread winner' earning over £2k a month to carry on paying this back in full as my…
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Full and Final - IVA
Hi all so i am at the end of year 3 of my IVA and in a position where my family have offered to gift me 12k to offer in full and final payment i asked my IP firm to put this to the creditors and they did - after the 34 days notice they have to give the virtual meeting was set up for Monday 7th Jan... we're still in the…
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Advice please: default on credit record - 1 year post IVA end
IVA started in Nov 2005 and unsecured part of Nothern Rock 'Together' mortgage (£900) was included. In May 2006, fixed rate came to end and was offered same rate for another 3 years on same 'together' mortgage which included £1000 unsecured loan, which had to be taken as part of the acceptance even though I stated it…
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Settling IVA early how much to offer F&F payment.
This is for a close friend who needs some advice about clearing an IVA. She has been upto date and the model candidate for an IVA but curcumstaces change recently when she has found out she is pregnant! The monthly outgoing has to reduce and this is the only big payment which has not been cut to the bone. Her mother has…
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Please advise - mortgage after IVA
After the mistake of a bad marriage, and being talked into having all credit cards, and debts in my name - the divorce led to me losing everything after the house was sold to complete an IVA in my name. This was a one-off cash completion using ALL my share of the equity. My ex walked away with the other half the…
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Cccs budget guidelines
Could anyone give me some advice regarding the guideline/budget. I'm struggling I've read through it but I think I'm so stressed I just don't get it! When it says extra child does it mean that amount for each child you have or that amount for all your children? Please don't think I'm stupid. I just never thought I would…
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IVA decision postponed, panic!! anyone had this??
Hey guys My creditors meeting was on Friday 4th jan There was a problem with approval as my wife has one joint loan with me with santander. which was taken out in her maiden name and there was some confusion veryfying it. So Apparantly its a company called KPMG that are voting on santanders behalf that have asked for it…
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Post IVA credit agency cleanup help
Hi Everyone, As I will soon be going for a new mortgage, It was recommended to me that I check out my credit file. I got the Experian one in the post today. It all looks ok except for the companies that I owed money to when I went in to the IVA. The IVA was settled late last year (Around October IIRC) but the records still…
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talkmobile/vodafone mobiles
Hi all, Possibly one for the 'Mobile' section of the forum, but thought I'd ask here first. Has anyone tried to get a contract/PAYG with talkmobile or vodafone during their iva? My current t-mobile contract is coming to an end/upgrade time however I've been told that I'll likely have to convert to an EE contract and lose…
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Quick question...
I know having a joint bank account can affect your partners credit if you have bad credit but can having both names on household bills affect their credit too? I'm sure I knew the answer to this question as some point but I've forgotten. Thanks.
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Debt Relief Order
Hi to you all I am looking for some answers, so it can help me decide whether to put mypartner through a DRO. Her debt is lower than £1500 and we have no assetsaccept TV’s, laptop etc and we have no extra money once all priority bills havegone out. 1. Both my partner and I are casual workers and our wages are never the…
