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DRO and creditors
I was accepted for a DRO on 8th jan and one of the creditors are threatening with debt collection agencies already if they dont receive payment. Can they keep asking for the money etc? Can they keep asling through the year?
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Credit Advice - Post IVA
Hi, I'm a little worried and would really appreciate some advice. My IVA finished November last year, I've checked all 3 CRA's and my credit score is 999 (or equivalent), all the debts were over 6yrs old so there's no record of them on my credit reports. I've also checked the insolvency registry online and there's nothing…
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Joint Bank Account with Partner in an IVA?
[FONT="]Hi! I'm trying to find out if there would be any complications to opening a bank account with my partner. We have recently got engaged and want to open a savings account or bank account together to use for the wedding. I have poor credit history, but he is in an IVA[/FONT].[FONT="] I don't want there to be…
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iva breach of contract
I've been in an iva for 4 years and paid every month. During this time my income has increased quite a few times. My income is about 50% more now than when i started. I have not sent in any wage slips or anything for 3 and half years. I have been asked a few times but I missed the date to send them and they seemed just…
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IVA completion cert. query
Hi all, I had a look in old threads but couldn't find an answer to this: My OH just received his completion certificate from Varden Nuttall. He paid his last IVA instalment in April 2014, and has been chasing for his completion cert. ever since - he'd already signed everything to do with PPI, and it had all been claimed…
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DRO Limit to be increased to £20,000
https://www.gov.uk/government/news/improved-help-for-people-struggling-with-problem-debt http://www.independent.co.uk/money/bankruptcy-rules-to-change-business-minister-announces-9979919.html
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Help with wage one off payment
Hi, I'm due to receive a one off non consolidated payment in my wage this month which is a pay progression pay out. This is because we no longer qualify for annual pay progression within my grade. I am concerned that because it comes in one lump my IVA provider will take 50% of it as they will see it as earnings. I have 19…
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DLA carerers allowence and IVA
Hi We are 3 years into a 6yr IVA (they added an extra year as our payments went down) our son has just been awarded DLA and i have been awarded carers allowence i have informed IVA people and now have to wait to do a phone interview with them next week. I am worried that they will take all of 'his' money and we wont be…
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Experian credit score - debt management plan
I've posted about my friend and her mad ideas before but I have a question. Friend got into debt (stupid spending on credit cards/next account/ hire purchase) lost her job and couldn't afford the repayments. After I found out we phoned CCCS together and they came up with a debt payment plan. Friend still has a few years to…
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DRO Lenders Still Showing as Default
Hi All, I took out a DRO in Oct. 2011 and was discharged in Oct. 2012. The lenders that I listed in my DRO are still showing as Default on my credit report as of Oct./Nov. last year, is that correct or can I write to these lenders and have the status changed? Many thanks
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Can husband apply for DRO without my wage being considered?
My husband has debts of £10,000 and wants to apply for a DRO as he is a stay at home father to our son and has no income at all. Only thing that worries us there is no information about if my wages will be taken into account? I earn £1379 per month after tax and this pays for everything. I've even been paying his debts…
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What is a 'whole mortgage Broker'?
Having completed our IVA in April 2014 we have been working on clearing up credit files (that has not been an easy process!). We would like to move house and obtain a fresh mortgage, I keep seeing on here apply to a 'whole broker' - not sure what that means or where to find one - our current mortgage is with Northern Rock…
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Debt Free Direct Dragging Their Heels
As you are aware, I cancelled my IVA end of July 2014 due to these cowboys upping my payments beyond affordability. Well its now January, and I've still not got nowhere near to receiving the failure certificate so I can apply for a DRO. I have made repeated calls to DFD, I had a variation meeting on the 30th December and…
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IVA Closure
Just come end of my IVA after 6 years and being asked for more money with no details why can I complain, company creditfixme took over simple debt solutions.
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DRO - what happens if income will change?
Found the answer from step change thank you
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Debt relief order help
hi people, new to the forum so ill start by saying hi hope someone can help im going under a DRO this week but have just been informed that i will be receiving compensation from an injury claim that has been going on years - bad timing eh!! my question is , i have included all my official debts within the debt releif order…
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4 years complete of DRO on credit file.
Hi February will be four years completed since taking out a DRO. and recently applied for a mid value mobile phone contract with a provider that I already have a low value contract with and was declined due to credit score. I was wondering will I only be accepted for things again once the full years are completed and there…
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Basic bank account before or after?? DRO
I'm so sorry if this is answered somewhere I did search and found recommendations for basic bank accounts but I would like to know when about to enter a DRO is it better to open a basic bank account beforehand or after? If I open one before the DRO so I then need to inform barclays once I have the DRO in place?
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3 creditors not proven the debts
Hi, I've been in my IVA for about 1 year and a half now with payplan. I just received a random email out of the blue at 16.58 right before they close that 3 of my creditors are yet to prove the debts??? No explanation to what it is or whats going to happen, the IVA department closed at 17.00PM so i've had no chance to…
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thought there would be more to it
Deleted sorry
