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IVA & DRO
Archives for April 2013
Discussion List
Can you change IVA providers
I was just wondering if this was possible, or are you stuck once committed?
Is DRO for me or Bankruptcy
I owe around £14000 and I have so far been able to make the minimum repayments on all my credit cards and store cards. But my marriage is in the mist of breakdown and the stress of debt is taking it toll. I got into debt via online gambling which was my release a few years ago Due to mental illness I was diagnosed with…
Iva & ppi
Hi all just letting people out there in a IVA, if you have recently settled or finished and you have a Full and Final wait until your credit reference co has the 'settled' your account and its been posted with Council etc, i waited from Sept last year, acceptence of F&F until after the end of January 2013 before reclaiming…
completion certificate is here!!!
Hi, After settling my IVA through F&F settlement last June my completion certificate is finally here!! I am extremely happy! Does anyone know where I go from here? Do I need to now try and sort my credit file out with experian? I know that my IVA will still remain on my file for a while yet but I just wondered if there was…
Annual Review - Disposable Income
I have a question about how my IVA company might review my income. I entered my IVA in July 2012. I am self-employed (well, technically an employee of my own Limited Company), and my IVA provider used my accounts year-ending March 2011 (a taxable profit of c£35k), to calculate my income (my 2012 accounts were not yet ready…
Business bank account with IVA
Myself and husband are taking over a business in 3 weeks and need to open a basic business bank account but we both have IVA's (2 years in). our own bank, natwest have refused us an account. We just need a counter service and debit card and we have no set up fee's or outstanding debts. Any advice as to which bank would…
HSBC Letter asking about PPI - I am post IVA
Dear Forum; I had a lump sum approved and completed last year, for a variety of debts. Now living within my means and debt free! I recently recieved a letter from HSBC with a questionnaire about PPI i took with them in the past. The letter acknowledges I have had (or am in) an IVA. Basically I am wondering if anybody has…
Hooray final payment made on iva 7 years long
Finally it is over, been a real struggle especially after so long, 5 year iva, added year for house value, plus extra year due to having a new car at the start which we kept due to travelling long distance to work, nice to be debt free finally!
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