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IVA & DRO

Archives for March 2016

Discussion List

    • DRO & Payday loans

      Can someone clarify for me please. Is it possible to be subject to a DRO (started Dec'15) and still successfully apply for payday/short-term loans? Asking on behalf of family member. Thanks

    • IVA help needed please

      I am 3 yrs into a 5 yr IVA. In October last yr I had a motorcycle accident. I have been left with PTSD, Depression, Anxiety, memory loss and poor memory. I notified Payplan who manage my IVA. I have given them all the info they have asked for, I communicate with them via emails regularly etc. Unfortunately due to not being…

    • Natwest and DRO

      My DRO was granted yesterday and I am appearing on the insolvency register from today. I am currently in the process of opening 2 new accounts. 1 the nationwide flex basic and the other a Natwest Select account. Both have been approved and I have the account numbers etc for both. I'm just waiting for the cards and pins. I…

    • Final 12 months

      I am now in my final 12 moths of my IVA. What do I need to do? Does my IP do anything apart from send me the completion certificate?

    • DRO and university

      Hello, My (ex) partner has recently left me a single mum with 2 young children (and a lot of debt!). I have been advised by step change that my best option is to take out a DRO. I am currently at college, and should be starting university in September. I also currently get housing benefit, child tax credits and income…

    • Preferential payments?

      Hi all thinking of doing DRO but was wondering what counts as a preferential payment? this is because i had to claim on pet insurance for our cat and my son paid vet's bill until claim settled when i paid him back, would this count as a preferential payment? look forward to anyone's advice on this! thanks Sharon

    • Applying for a mortgage once DRO dropped off credit report (6 years)

      Hi everyone I had a DRO in August 2010, discharged in August 2011, due to come off my credit report completely in August 2016. Me and my husband are looking for a mortgage. We are looking at properties around £150,000 with a 10% deposit (£15,000) roughly and will be looking after August 2016 so there is no record of the…

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