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IVA Ombudsman?
Is there an organisation or Ombudsman who can assist with IVA disputes?
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Paypal .. Anyone else had issues with them?
I have less than a year to go on my IVA and have had my current case officer for about six months and to be honest find her very poor in comparison to my others. I had an alteration made last September and asked for a copy of what was agreed I have still not got it despite numerous emails. I have also asked her to please…
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Self employed on DRO
Hi I'm self-employed with a fluctuating income. The nature of my business is extremely precarious. I am struggling with £8000 of credit card debt and have looked into a DRO. My question is what happens if my circumstances change? How will it effect the DRO if my business starts picking up? At the moment I fall into to the…
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Inheritance query
I am in the process of starting an IVA (creditor meeting end of the month) and wonder what would happen to any inheritance my husband would receive from his mothers estate during the life of IVA. It is not a joint IVA and he is named in her will, not me.
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help ! f&f due to family issues !
hi there, i currently have 20 months left on my iva currently paying £492 pm into my iva, however my husband is turkish and due to family issues in turkey we are having to move back there and not sure for how long we will need to be there. Very close friends of ours have offered to pay £3000 to lend for f&f, they may be…
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IVA Approved But Will They now take ALL maternity pay?
Hi all Well as most of you know my IVA was approved, this was based on my income at the time, and I started the process back in October. Now I already have had changes to income and tax credits plus more expenditure so things are even tighter. Now my wife just started receiving maternity pay a month before our IVA was…
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PPI reclaim after IVA discharged
Hi, I have been discharged from my IVA for almost a year now and have made a PPI claim against one of the companies that was included in my IVA. They have agreed that I was mis-sold and have offered a figure in settlement but have said that I still have outstanding debt with them and therefore I will receive no payment as…
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Urgent help please
Ok so we have finally completed our IVA and thought our money worries were over, today my husband resceives his new tax code and there is a huge deduction for the debt which is part of the iva This deduction will cripple us and mean we can't keep our mortgage and bills up so will now end up losing everything Feels like we…
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Iva
Hello, I need some advise please, how can I check why my IVA failed, I have asked the IP but all I get back from them is I didn't conform to the iva request, which was to sell my property and pass on any monies left after charges, this we did, all I get from the IP is stop bothering them as they have now signed the iva…
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IVA & Banking for self employed
I am in the final stages of setting up an IVA, my IP has suggested opening a new business account before it is finalised as I am with Lloyds and they are no longer IVA friendly, I am considering Barclays - does anyone have opinions on them and how IVA friendly they may / may not be. Thanks.
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DRO and OT
How does working overtime effect a DRO? I have based my income on my basic wage, I have no guaranteed OT, some months it's zero others 10 others 20. How can and does this effect a DRO? Thanks
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IVA paid but company refusing to close
I entered an IVA on 4 Jan 07. I have made all my payments and the IVA Companyhave agreed this. However they are refusing to close the IVA and issue aCertificate of Completion. Back in July 12 they said that this was due to a VAT dispute which is nowsorted. Then in Nov 12 it couldn’t be closed because of PPI that could…
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full & final
Got my F&F this week now i need to start cleaning up my credit file on Equifax and Experien, does anyone have some experience on how they did this. I have signed up for a £2 report from Eqifax but i need to amend there info, there own Blurb states that they regularly get updated from courts etc but i would like to sort…
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Completed IVA problem
I had an IVA approved in Dec 2007 and started paying the first of 60 monthly installments in Jan 2008,with the last payment being Jan 2013.The IVA has changed companies twice during it's course (which I've not been best pleased about but I believe this is quite a regular practice?) and has been managed OK until the current…
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DRO Help with getting more information (ccj)
Hi I would very much appreciate if anyone can help me in any way. I have just applied for a DRO with Stepchange but now need more documents for it to go through. On my credit report I have a ccj which I completely forgot about and no longer have paperwork for (I still cant remember what it was for :( ). Stepchange now…
