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IVA & DRO

Archives for September 2013

Urgent Advice needed today
I started an IVA 9 months ago I have received a letter today from my IVA company saying they have reviewed by IVA and they have noted that I haven't signed or sent back the RX1 Form . Apparently it enables them to register a restriction on my property , there saying it was a condition of the IVA and I agreed to it . They…
Car Insurance worries......
Hi all Oh dear with all the stress of our baby I forgot my car insurance... Our insurance is with the green car insurance and they just auto renewed its gone from £30 quid a month to £50 quid... Blimey!!! I guess if I cancel I have to pay a cancellation fee... And also I am worried what car insurance will take me on in an…
Can a bank offset PPI after an IVA?
I completed my IVA in February and a claim against HSBC (who were a creditor) was dismissed by the bank (HSBC) because of my IVA. I contacted the ombudsman who is investigating my claim and has asked me for a "letter of no further interest" from my IVA supervisor. I have provided the ombudsman with this as requested and…
Existing IVA & "New debt"
Hi I am not 100% certain this is the right section fro this thread, but here goes. To keep it as brief, but to the point as possible, for many years I had a significant gambling problem that resulted in approx £20k of unsecured debt. I entered into an IVA just over two years ago, which hasnt gone as smoothly as I was…
worried about IVA failing
Been on an IVA 9 months paying back £100 per month but last month the car failed its MOT so we had to pay for repairs (cant work without car) this meant we couldn't pay lasts months IVA payment . My intention was to pay double this month so £200 end September but I haven't got £200 to pay and im really worried So basically…
IVA support and discussion thread
IVA's. There is a lot to talk about so I have started this thread for anything IVA related. Whether you want to debate any aspect of an IVA, ask a question, share your IVA journey including high and low points or offer support, are thinking of starting an IVA and have a million questions or having completed an IVA you want…
Iva
Hi all, I'm new to this forum and was hoping to get some advice. My husband and I have been in an IVA for 1 and half years. I have recently found out that I am expecting twins we already have a child who is 2yrs 4 months. I work part time (26hrs) my husband works full time (40hrs) Daughter goes to nursery costing £400 a…
Car finance v PCH on IVA
I finish my IVA next month and need a new car urgently. We have been approved for car finance for £5k @ £180/month which is around 30% APR. I have also requested info about PCH to get a brand new car inc. maintenance and I await the costs, however the website shows it for £200/month all inclusive (ex petrol and insurance)…
DRO momentum period
Hi all :) I recently went into a dro, in july. I was just wondering how everyones experiences are? Has anyone heard from the IS during the momentum period to do the spot checks on your bank ststements etc? I have all my paperwork filed each month just incase. But still feel a little stressed until my 12 months is up! Not…
DRO clean up - STUCK!
Hi all, I completed the 12 month period of my DRO in March 2013 and have been trying to clear up my credit report with the help of these forums and the template letters etc. All seemed to be going well, and now I'm stuck. I had a Halifax overdraft which is still showing as default, not satisfied, and is being logged every…
Am I doing the right thing?
Hi all, Newbie here so be nice please :) I'll cut to the point and explain why it is that I've signed up to this forum and are posting today. Basically, i'm in my mid 20's, in full time employment in the banking industry and have amassed unsecured debts of approx. £12,500. 50% of the debt is an unsecured personal loan with…
DRO filling out income/expenditure question.
I have been getting help from a debt charity, they have advised me a DRO may be my best bet. I am unemployed but a full time housewife, my husband works but he does not know about my debts and I want it to stay like that. It is very difficult to know what to put down on the income expenditure forms, because I have no…
dro & my bank
i have a dro in place and it includes my overdraft on my bank account but they havent took my overdraft away and still charges me £20 every month, i asked the cab did i need to tell them they said i didnt need do anything, its the same with a housing benefit overpayment they still take that out of my benefit each week…
Bank Account help
Hi, We started into an IVA 3 years ago and everything was going fine. Last week Co-op closed my our bank account over a DD payment due to insufficent funds. Fair enough it was the 2nd time in over 3 years. This has left us with a mayor problem. We applied with Natwest and got acceptted and just had to take in ID only to…
Debt relief order help
Hi all I have an appointment with the citizens advice bureau on tuesday. They have asked me to detail my income / expenditure Just wondered if I just put my normal household bills down or if I have to put in the monthly amounts I have to pay my creditors too Any help would be appreciated
IVA and Home insurance
I have recently looked into renewing my home and contents insurance and they have a question about bankruptcy, does the IVA I paid off last year come under this direct question and should I declare this to my insurer. Was I 'Bankrupt' when I had the IVA? thanks, Bandicoot421
G2 Advisory
Hi. Has anyone had any dealings with this company (guy?) I'm in an IVA with him, and he is turning into a nightmare. He incorrectly let a secured creditor into the agreement, and when I picked up on it, he has turned into a right nasty b$£%$%, threatening me etc. (He is now under investigation by the ACCA over his…
Last 12 months of IVA
Hi folks I'm now in my last year of my IVA. Review completed with no changes and ppi claims are sorted as far as I know. House in deep negative equity so do not expect an extension of payments. Does anyone have any pointers to help me through the gruelling last few months? Thanks
Iva one off lump sum
Hello, Advice needed please, We had a Chartered Surveyor Valuation to release 50% equity from my wife for me to offer a full and final IVA which was accepted. I have recently received closure cert. My wife is now thinking to sell the house to downsize but the value of the house has risen. Would there be any issues with…
IVA Help
Hi i really hoping someone can give me advice. My girlfirend is in a iva, been in it 4 years and 2 years left, made every payment on time. She has received two payments from ppi for about £5k but her payments have not changed or terms been changed. I would have though this extra money would of made a difference as they…

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IVA & DRO

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