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IVA & DRO

Archives for July 2015

Problems with IVA company
I have been in my IVA since June 2012. My IVA is with Debt Free Direct. For starters, what concerns me is that they took my Disability Living Allowance as income, and failed to set asside health care costs for my disabilities, which meant I was left with no money. Then, they claimed I was getting in total £962 per month.…
Proposed Council Rent Increases
With the budget due tomorrow there is a suggestion that social housing rents are set to increase to private rent levels. In my opinion private rents are too high but i wonder where this would leave me We are in an IVA, when these changes come in we will be 14 months away from completion. the proposed increase will see rent…
IVA and Defaults
Hi all quick question. My IVA finished last year and everything is due to fall off my cr report over the next month. There is, however, one that a debt was sold onto. They are marked as default with the correct date, but still shows as open I have emailed a couple of times and no response, but my question is this. Will…
Mortgage Application Post IVA Completion
Hi, i've had a little look around and I haven't found another question similar to this, if there is one please point me in the direction: I should be receiving my certificate of completion for my IVA from Debt Free Direct imminently (after a ridiculously long process my last payment was December 2013!). It started in…
Legal implications of gift for IVA
My mother has offered me a lump sum with which to offer my creditors and hopefully end my IVA early. My IVA administrator has written to her asking for confirmation etc, but the letter says she should seek independent legal advice as to how it will affect her and now she is freaking out slightly that it is going to have…
DRO & (forced!) overtime!!
Hi! I was wondering if anyone has any experience of overtime when you are on a DRO? Where I work you have to work one bank holiday a year and I am working the August one, so my pay will be higher for that month and I'm worried it would go over the £50 limit! Does anyone know if it's not a permenant whether it would affect…
Help needed :-)
Looking for a little advice and guidence My friend has been in an IVA FOR A year now and when she took it out they allowed her to keep her car finance via ford and when the agreement ended her payments would increase and she would have to speak to ford about continuing payments as she is on one of the option finance…
struggling to get car insurance since being on IVA
Hi there, I recently used comparison site to search for car insurance. Performance Direct quote came out the cheapest at £27 monthly or £244.24 and when i phoned to buy I was told that we couldn't set up monthly direct debit payments with them because we have an IVA. They would only accept payment in full!! My mum kindly…
Redundancy looming
Bit of an update PP have responded with "tell us what you're getting and we'll tell you what we expect you to do with it". Bit disappointing really. Hi all Well 5 successful years into a 6 year IVA and redundancy looms. Have let my ISP know and asked them what the options are but would also like advice from the erstwhile…
CCJ on credit file while in IVA
I'm two weeks from my final IVA payment!! My partner and I have decided to move house. After speaking with the estate agent about my IVA they have said it will be fine with them and the landlord to go ahead with the move. When the credit check was done it shows that I have a CCJ which was applied whilst I was in the IVA.…
End of DRO credit settlement dates
I recently got out of a DRO and signed up to Experian to check out my credit report and see what has to be sorted. There are a few creditors that still have the debt as unsettled and owing every month. I emailed Experian and they have sorted one of them out for me by getting in touch with the creditors, so one account has…
PPI/IVA Query
I think I already know the answer to this but here goes: I settled my IVA via variation after selling my house a couple of years ago and have a certificate of completion dated May 2014. Yesterday Lloyds Bank advised me they were offering 5k to settle my claim which they had reviewed again after initially rejecting it. The…

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MSE News

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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
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All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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IVA & DRO

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