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Early settlement offers
Hi All, Has anybody had any experience or can offer advice regarding the following. After a few conversations with step change and a couple of other companies offering advice I have a decision to make regarding settlement offers. If I continue in my current position I have been advised to declare bankruptcy. Fortunatly I…
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Debt Management V IVA??
Good morning I have been on a Debt Management program for over a year now with Harrington Brooks. I have over £14,000 paying £125.00 per month. Although i can pay £125.00 easily its like 15-16 years to pay off. I can still do things as disposable income is reasonable. I have been advised by work colleagues to do IVA and HB…
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rental & iva ?
hi all, 1/2 way through my iva, no defaults, and I find I need to move house due to change of job. Just wondering how I will stand with letting agencies etc ? Presumably they will do credit checks ... can I move or am I stuck where I am Thanks kind folk
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Iva help needed
Hi all, I entered an iva just over 2 years ago with debts to 2 creditors totalling £18,981. Up to now I have paid just over £7600 to my plan and with my current payments will pay just over £9000 in the remaining term taking the total to just over £17000. My partner recently wanted to help me try and reduce my debt with a…
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Where's the party?
Well, that's it... No Big Bang, no congratulations, no champagne on ice and not even an email from payplan (despite asking what happens next not once, but three times over the last month). I just don't seem to feel anything now that I have made my last payment for my IVA. Is this normal?
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Unbelievable banks aren't they?!
Just thought I would share this, at the time, I was quite angry, now, nothing shocks me with banks! I recently set up my DRO in July..hurray! I had to ring my bank to downgrade my account due to my insolvency. During the conversation, they tried to sell me a Credit Card!! I won't name the bank, I am actually slightly…
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Lump Sum IVA
HI, Does anybody have any experience or understand the process of a lump sum IVA? I currently have debt of roughly 30k and am in a position where I could lose my job soon and the debt has got too high fo rme to control. What is a rough figure I could offer? 30/40p in the pound? I have been offered help from a 3rd party but…
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Some Fool At Grant Thornton.
Some Fool At Grant Thornton is insisting I provide a P60 for my year to date earnings. Unless I am the fool, these are issued once a year after April.. Not taking no for an answer either. I have decided to ignore her request. Rant Over. Sorry.
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Buying a car post IVA
Dear Forum; I had a lump sum IVA approved April 2012 and I had it completed in Aug 2012. I have now lived two years without acquiring any new debt!, and I am still alive, and still happy, actually, am much happier. My car however is unhappy, a cambelt failed and ruined the engine, so I need a new engine! The car is older…
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Settle without an IVA
Hi, Could anybody offer me advice or has anybody had experience of settling debt with companies without seeking an IVA or other solution. I am currently in a situation where I require an IVA. I ow roughly 30k and on an IVA this would be repaid at about 10-12k. I have been offered money from a 3rd party to pay off my debts…
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IVA Early full and final offer
Hi, I am looking at taking an IVA with debts of 30k. From using tools with Websites and working out my future outgoings it looks as though I would roughly pay back 15k over the 5 year term. One of my friends has offered to settle my debt as a final offer if this goes ahead which I think would be offered at roughly 12k…
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IVA Early final offer
Hi, I am looking at taking an IVA with debts of 30k. From using tools with Websites and working out my future outgoings it looks as though I would roughly pay back 15k over the 5 year term. One of my friends has offered to settle my debt as a final offer if this goes ahead which I think would be offered at roughly 12k…
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Shall I link my names on my credit file??
Several times I have told the bank etc that I had a previous surname (changed by deed pol) and last year I changed my name from miss ************* to mrs ************ as I got married. My credit file with both experience and noddle has none of the details of accounts in my previous surname nor my married name and is…
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Mortgage and IVA
HI, I was wondering if anybody could please help me clear upa few things. I have found myself with debt and am looking at an IVA. It is possible for a friend to help me out and settle right away after I have recieved my repayment figure. Although this will become settled, as I am aware this will still remain on my credit…
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IVA paid, now a new debt letter... Help!!
Afternoon! Im new, so treat me kindly lol i'll keep it short-ish, but, i was successful last year in getting an IVA put in place, i owed just over £13000, luckily i was in the situation that a family member offered to pay £7500 of the debt in one swoop, and then i would pay them back at £150 a month till it was paid. It…
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quite angry and annoyed
Morning All Apologies if this is in the wrong place- please move if this is the case. I had a letter on Friday from my local council, it was for an attachment of earnings regarding council tax for 2010. Now I had a DRO that was granted in March 2011 that included council tax debt from 2010 I ring the number on the letter…
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DRO and Work
I was granted a DRO in May this year. At the time my partner was was working full time and I wasn't. Unfortunatly my partner lost his job yesterday so our circumstances have completely changed. I did my DRO through CAB so do I have to inform them off this even though we worse off now? Plan to call CAB Monday as closed till…
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Full and Final Settlement IVA
Hi, I'm new to this site so thankyou in advance for any advice. I am a year into my IVA and have the opportunity to take a voluntary exit package from my employer (civil service). I have applied for it and been accepted but as yet have not received my compensation offer. Once I recieve it, I have two weeks to decide…
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Iva HELP
Can someone please help!! My mum has come to the end date of her iva, she had been advised to sell her house as she had equity and no income at the time (she now has a job which informed the company about). As the house has not sold in the 3 year contract she received an unpleasant letter from the company (not the first I…
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Waiting for CCJ before DRO?
I am having letters saying they will CCJ! Is it a bluff I dont know. My queston is, is it too late to go for a DRO if I have already been given a court date for a CCJ against me? I would like to avoid a CCJ but do not want to do a DRO if a CCJ is never brought against me. I only have a few more years until 6 year date of…
