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iva dispute
I hope someone can help as I'm at my wits end. I took out an iva In may 09 with depth amounting to £23.000. The largest debt was a barclays loan of £13.000. I paid all my monthly contributions on time and never defaulted.also nearly £8.000 was given to the iva company in ppi payments.in my calculations at the end of my…
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Defaults AFTER IVA was started
I have just check my credit report online and glad I did. My IVA was approved on the 1st June 2012, and is still showing as being active. Halifax, put a default on my credit report dated the 11th July 2012. Max Recovery also put a default on my credit reported dated the 1st June 2012, the same day as the IVA approval. Can…
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Dfd iva
My IVA annual review was due on 4th January 2015, my last annual review details were sent in November 2013 at DFD's request. I might have thought DFD had forgotten about me had they not sent me three letters in a month asking me to sign over to thier new terms and conditions. Apparently 90% of thier customers have signed…
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Slight concern after finishing DRO
Hey guys, well it's been a long year but I have finally finished my DRO. However when I went to start cleaning up my files again I realised a couple of things which have started me worrying again. Firstly, I'm not sure what happens if I have included a debt which had been sold on to another company? I tried to find all of…
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60k negative equity and just finished IVA early
:(Help please . I have 3 bedroom flat that cost 271k thats interest only mortgage with 17 years left with the Birmingham Midshire but i have 60k negative equity . I recently managed to pay off my IVA early but it will be 18 months before its off my credit report and i am credit worthy again . The property i own solely is…
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Need some advice, with regards to remortgage
I'm at month 54 of my IVA and have just been forced to lie to an estate agent to get a valuation because my IVA company wouldn't allow me to pay to get a standard valuation and told me I hade to lie to an estate agent saying I was selling to get a free one. Anyways sent that in with my mortgage redemption total and there…
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Credit Card to improve credit rating - post IVA
Hello; I had a lump sum IVA agreed April 2012, it was completed and I got a certificate in August 2012. I have been debt free since. My credit rating is currently poor, and I would like to improve if possible. I am thinking potentially taking up a credit card to spend a small amount on and pay off in full every month. Has…
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In an IVA and need business account
Hi I've recently had my IVA agreed and now need a basic business account. It seems impossible, can anyone help? Thanks in advance
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Credit card post IVA for section 75 cover
Three years in to our IVA, we offered a full and final settlement of almost the whole amount of the remaining two years payments, which was accepted and we just got our completion certificate. Really need a credit card as want to get section 75 cover for a range cooker. Quite happy to be paying in full for the item - not…
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failed iva
Hi guys long story short (ish) Rbs have charging order £22,000 (always paid never missed ) Iva for various other debts appox 12,000 possibly less Took iva out jan 11 they suddenly upped my payment from 100.00 to 160 stating my partner could afford the extra. I had a long battle amending this as my partner keeps his money…
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F and F Offer
Hello all Does anybody know of a template I could use when making a F & F offer ? Thanks in advance
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single dro finished but joint debt
Hi,basically looking for advice. had a dro that finished about a year ago yey!. however there was one joint loan on it but dro was only in my name. husbands been getting letters stating an amount owed for the loan for 18 months now.only twice and they don't ask for money they just say here's what's owed and your in…
