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payday loan help
Hi, the reason i am in an IVA is due to gambling, and i am over 2 years in now. I stopped gambling for 18 months but recently i have been sucked back into it, i just want to stop again and i will. The problem is i am into a payday loan for around 500 which i cant really afford. Should I tell my supervisor about this, and…
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Annual Review
Well that was a lot easier than I expected :eek: Supplied a new I&E, new income is £76 a month higher due to tax codes increases and tax credit increases now there's no overpayment. Although people in IVA's have said their companies refused any form of increase in expenditure I did increase my dual fuel, council tax and…
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2 months into IVA and lost job!! help!!
Hi, I have made 2 payments into an IVA and now lost my job. I have had a settlement, around 5 months net pay. I can realistically pay the next 5 months instalments out of this but I wondered if I should try to do this as a lump sum? Im thinking that £2000 off a £24000 debt would not be accepted but is it worth a try? I…
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DRO Advice
Hello Sorry to bother you all, I'm thinking of going down the dro path. I'm on a very low income so I think I can qualify. I have some questions though if anyone can help with, My partner is self employed, were not married but we are living together and have two children. If I got a dro would this affect my partner Thanks…
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GT & the PPI battle!
Hi, I have had a running battle with GT after successfully completing my IVA in Sept 2012 and receiving my completion certificate from MDC Sept. 2012. I heard nothing for months then GT stared hounding me with letters stating my IVA was still 'active'. This has caused uneccessary stress, stress that i thought i had put…
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IVA, new job and pay increase
Hi i have a IVA through Creditfix and i currently work for the Local Authority and earn £27000 yearly, i am contemplating leaving this post to go agency, which would mean i go limited company and get paid hours £24ph, if i worked on this rate for a year and minus 6 weeks holiday the salery would be £42624, obviously none…
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confused
Hi im new to this thread and would appreciate a little advice please. In 2006 I entered into an IVA as I owed around £28000 and couldnt pay it. All my debts were included. I offered a full and final settlement figure which was accepted in 2008. The IVA was therefor classed as completed and I received my certificate of…
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What is my best option?
Hi all I wonder if I could ask some advice. I am likely to be taking a new job which will pay me 25k plus montly bonus which will range from 0-£1000 per month depending on whether we hit targets. I currently have around 20k worth of debt and have been struggling to meet the minimum payments. As a result i have started the…
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PPI reclaim
My partner has had a letter saying that his claim for mis sold ppi has been upheld and because he has an iva the refund will all be sent to his iva can anyone say if this is correct, i wondered because i understand that if he earns any extra at work only 50% goes to iva and he can keep 50% many thanks for any help
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IVA v DRO v DMP
Hi I am looking to sort out my debts which stemmed from many years of been on the sick and putting head in the sand. Have been told I am eligable for DRO as on very low income but also coud get IVA coz I can afford the £150 a month if I really scrimp and save including moving into a cheaper house. (Rented). Dont mind doing…
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High level of debt
Anyone who can give me an idea please. I am 61, have £75000 of debt, 12 creditors, not a home owner, am a sole trader, so first am I likely to even get an IVA? secondly, what is the likely monthly amount they would initially expect. Thanks.:o
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IVA & Living abroad
Are you allowed to move abroad if on an IVA & what are the rules if you can? Thanks.:)
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Iva & f&f?
Hi again, What is Full & Final Payment with an IVA & how does it work?:o
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How are ESA arrears treated in an IVA
We're just over two years into an IVA and recently had to drop our payments due to a ridiculous ATOS assessment reducing my Incapacity Benefit income to the equivalent of JSA. After an appeal I have now been put in ESA Support group and have had another income and expenditure review which will increase our monthly IVA…
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DRO - Credit Score
Well DRO was accepted, Wahoo! Can't wait for the 12 months to pass, am already counting down the days!! Now that said, I've checked out my credit file and the majority are settled and up to date - except 3 by the debt collectors... Doesn't shock me. My credit score however is scraping the barrel, wasn't expecting the best…
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Early into IVA application and stressed
Having finally given up on the denial I had about my debt problem (shopping has been my version of comfort eating i s'pose when I've had other difficulties in my life like long term relationship breakdown and my mums death) which has built up over the last five years I have finally decided to do an IVA with GW Finance. I…
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IVA Q's
Hello, me again! People who are thinking of rushing into BR or an IVA should read my posts, because ALL the advice the wonderful people on here give us, is spot on....TAKE YOUR TIME! My OH & I were all ready to go BR, then a change in circumstances with my OH & now I am going BR & OH is looking at an IVA, so we now have…
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can a creditor change the way you pay your ccj
my creditor has refused to accept postal orders for my ccj payments even though i have paid them for the last 7 months by this method they now want bank transfer can they do this
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Capital One
I would like to throw this out there for discussion. I am two years into my IVA, I moved out of my parents house then got the IVA. This week a letter was sent to my parents address from Capital One informing me that I had been preselected for a credit card with a £1500 limit to help build up my credit :eek: The silly thing…
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Relief
Just thought I'd share my good news. After years of suffering trying to juggle my debt(and my beautiful significant others) I have finally had to give in. I have just had my IVA agreed and I wish I'd done it sooner, I fought on robbing Peter to pay Paul for years trying to protect my job which is in financial services. My…
