-
Annual Review
I submitted all of my paperwork for my second annual review on 8th November 2013 (which they received) and I still havent heard from DFD, is this normal?!
-
In last 3 months of DRO, potential for substantial pay rise
Hi, my husband is currently under a DRO. It ends towards the end of April. But a chance came up at his work recently for a promotion and a substantial pay rise to go with it. He currently earns just over £18000 and the new job is offering £27000. He has just over £10000 worth of debt which was impossible for him to pay…
-
Single, first time buyer, post IVA?
Hi, I'm new to this excellent forum and just after a bit of advice. I had an IVA that commenced over 7 years ago, completed in full over 2 years ago (with no missed payments or problems of any kind) and finally dropped off my record (after having to check and correct an out of date entry on the Insolvency Register, and…
-
Grant Thornton - 2nd Valuation Request.
I started an IVA in Jan 2008, finished it in Dec 2013. I started out with Money Debt and Credit, which was transferred\sold to Grant Thornton early 2013. I've provided all information as requested over the term of the IVA. Today I receive a letter from GT after a mortgage statement and a valuation of my property. I…
-
DRO and Tax Credits underpayment
Hi, I have a question I was hoping somebody could help me with. I'm preparing all the information I need for when I go to the CAB on Monday and applying for a DRO. Years ago I was overpaid Tax Credits and it took several years to repay, so since then I have always underestimated my yearly income so ensure it doesn't happen…
-
My IVA journey
Ok so this is quite long so I will understand if no one reads it but I wanted to share my story to maybe help people struggling through their iva Our story Ok so it all started in September 2006 when we realised we needed serious help. We were under a reposession order from our mortgage lenders and had just 2 days till we…
-
IVA question
I want to move into my partners rented house but I'm in an IVA. No payments missed 19 remaining. What are the implications on her and the IVA? Cheers Steve
-
F&F IVA help please
Hi everyone. Just wondering if anyone has any advice for me concerning my full and final IVA payment. Through many changes in circumstances in 2009 we had to enter into an IVA (it seemed the best option at the time). We have been paying £360 a month to clear off our £25,000 debt and all has gone well until now. The IVA is…
-
Mortgage after completed IVA
Hi There, I am currently in the process of cleaning up my credit file before I start applying for mortgages. I completed my IVA in December 2013. My husband has a good credit rating and not much debt and I earn a good salary with no debt other than mortgage and student loan. I just wondered if anyone had any advice or tips…
-
Cleaning up credit file after IVA
I have recently completed my IVA, naively thinking I was home and dry. However, on viewing my credit report, there are many incorrect default dates entered which I am currently chasing up, and the following entry which I would appreciate any advice on. On my Equifax report, it states under Court Information details of my…
-
Clearing up credit file after DRO.
Apologies if this has been posted before but i'm trying to clear up my credit file since i was accepted for a DRO Sept 2012. Some of the debt that was included in the DRo is still showing as default. Ive rang round all the people i owed the money too and made them aware of the situation but some of it is still showing as…
-
Firm to help with non-standard IVA
I first posted on the forum in November, and it has taken this long to really start moving. I have now contacted Stepchange and completed my SOA. In a nutshell my situation is this. I lost my job in March this year, but managed to get some sporadic freelance. I went from having streched but 'do-able' debt to something I…
-
IVA or not?
I have an IVA with my soon to be ex wife, it is due to finish in 4 to 8 weeks. I have not finished paying off the IVA , it is due to be annulled , my ex was not participating in any of the payments. My outstanding half of the debt totals 12k, would you advise I enter into another IVA on my own or pay off my creditors…
-
Improving credit score after IVA
Hi, Last June I made the final payment on my IVA with my ex. I am now in full time employment as a nurse and I am looking to try to improve my credit score. How is best to go about this? Regards.
-
Annual Statements following IVA
I entered into an IVA in November 2007 which was registered as being satisfied early in 2008. Despite this I still receive an annual statement of account from one of the creditors dealt with under the IVA. Each time I receive a statement I write referring to the IVA and ask them to contact the IP that dealt with the IVA.…
