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RBS / NatWest
I have been turned down by NatWest / RBS for a loan, the reson given was that my records with them show that I was in a IVA that was completed and finnished in April 2009 (thats including 1 year after the 5 year IVA). This record in on NatWests / RBS inturnal records. I have checked on Experian and the IVA has been removed…
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Iva & ppi
I made my final payment to my IVA in November last year. I haven't heard anything from the company since I made the final payment so I have contacted them. They say they can't send out my completion certificate until I have signed forms sent out by their sister company saying that they can claim PPI on my behalf from the…
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IVA F&F Advice Needed
I started my IVA in 2009 and it was *amazing* how good it felt to be able to sleep without the constant worry of people knocking on the door. However, circumstances have changed for me, and I am keen to end my IVA early with a F&F offer, with funds coming from my girlfriend. The threat of redundancy is becoming more real…
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provident help - IVA
ok so i am speaking to payplan and going down the IVA route, i have spoken to every creditor either by email or phone but provident are causing me issues. i took my loan out the week before xmas, i knew i couldnt afford it (and i know this was stupid) so have spent the last 12 weeks avoiding the door. her manager came out…
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IVA and Car Insurance Paying Monthly
We're about 18 months into an IVA and looking to change companies as Admiral have been so useless over taking one car off a multi car policy. However, I need to know if there are other companies that I can get a policy and pay monthly with that wont do a full credit check. Hope someone has some experience of using another…
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Can I get IVA written off?
I'm currently in an IVA with Grant Thornton. I've been paying about £200 for about a year. Recently I received a flyer headed: "If you are in an IVA or Debt Management You need to read this! 5 minutes may save you 5 years!" It was printed and distributed by "Exxpress Marketing". (Yes, they did have 2 x's in Exxpress) (tel…
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Weekly Pay
Just been working out new pay with the new tax codes to check our new incomes from April 2013 :) Good news is my monthly income won't increase by more than 10% :j But my OH is paid weekly, on a weekly basis he's fine but our IVA income is calculated as 52 weeks divided by 12 months. So from April his weekly wage in a four…
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Advice needed
some advice needed please. My mother passed away and after paying for the funeral and waiting for other bills to come through to settle i have received a check for 3600 from her estate. As i am in an iva i realise any monies i receive must be paid into the pot, the dilemma i have is this money still needs to pay for…
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IS News Fairpionts Profits Article
Hi Interesting very recent article here on Fairpoint.... http://www.insolvencynews.com/article/14957/corporate/fairpoint-profits-rocket-87 Note the claims management services are mentioned throughout the article:) The last section of the article tickled me a little if Im honest and raised an eyebrow too. 1. To focus its…
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On Iva but built up massive phone bill due to poker
Hi Ive messed up big time, i have a monthly phone bill of £35 but I have have built up a bill of £800 by playing poker on my phone with a site that allows payment by phone bill! Stupid I know and I feel awful, I have since banned myself from the site but dont know how to approach it! I have 12 months left on phone contract…
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Food Shopping Has Gone Up Again!!!!
This is just ridiculus I swear the cost of shopping is rising monthly if not weekly.. A weekly big shop from sainsburys has just cost us £150 last week it was £130, ok we had a birthday cake in there but all the rest just normal food no extravegance... we are a family of 5, soon to be 6 as expecting a baby I have not even…
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Another DRO-related credit report question
Hi, A debt collection company (who apparently purchased one of the debts on my DRO - from which I'd already been discharged) did a Callcredit credit check on me a month or so ago. At this time I'd already been discharged from the DRO, although still appeared on the Insolvency register, as it was within three months since…
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acceptable p per £
Hello, I am in the final stages of arranging IVA proposal, looks likely we will be offering around 12p/£. Just looking for some guides as to how many have had offers around that figure accepted - and if rejected how did you get round it. Thanks.
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A complete financial nightmare
This is a bit of a long nightmarish story but ill make it as short as can. A girl met a boy and got married and bought a house, boy was terrible with money and ended up going bankrupt,girl got an IVA to clear up her side. Girl realised boy was a nightmare so separated. This comes to now.... I live in the house that we co…
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first post ever.. DRO advice please
hello everyone I have been getting some amazing help from this site indirectly through my university mentor posting here about my circumstances. She has given up lots of her own time to help me as has a member of this forum who has never met either of us. i cannot believe how generous people have been with their time. I…
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Credit Reference File after completed IVA - Defaults?
Hello there, I'm starting to clean up my credit reference file after completing an IVA early about a year ago. I've signed up to CreditExpert.co.uk, as I never could understand the £3 reports they send. Could someone please advise me on the following, as the website is not really clear enough for daft old me: My Credit…
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iva income error! help!
Hi My surplus income was £57 now it's gone through it's 150. I spoke to someone a few weeks ago who was looking into but nothing happened. So nite I've emailed then with original budget and they are liking into this? Who's at fault? Me for not checking our them for error? What happens next? Thanks
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Credit reference file clean-up question regarding dates
Hi, My DRO ended a couple of months ago and I'm now going through the credit reference file clean-up process. Having consulted the sticky thread about this topic, I noticed that it says: "Settlement date (where shown) MUST be NO LATER than date of Discharge". On my credit reports, one of my creditors (credit card company)…
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Advise About Family Debt Please - DRO
Hi all, One of my daughters (aged 30 ish) is struggling with debt. I am advising them to contact CAB - National Debtline to get a plan together, possibly a Debt Relief Order. The issue is, one of the debts she has racked up, is with a mail order company. Unfortunately my wife did not realise that the debt was actually in…
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Dro moratorium period about to end,what nxt?
Hi all, new to the forums. I am a few weeks away from the end of my dro moratorium period finally :j I was wondering what would be my nxt step when it ends, I know they dont even write to you to tell you when it has officially ended (personaly I think thats bad) but how do I go about rebuilding my credit and rep. So far to…
