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Internet Bills on DRO
Hi I am a few weeks into my DRO. I notice the bank has sent my internet monthly payment (via card) but the internet company (EE) has not taken the payment as they normally do. Does that mean there is a problem because I am on a DRO with the internet company- normally my payments have gone out by 15th and nothing is showing…
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DRO Certificate
Where can I get hold of copy or confirmation of my DRO certificate ? Had my DRO back in 2009. Thanks
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submitting self assesment tax accounts for iva propoasal
I am self employed and have to submit copies of my self assessment taxes for inclusion in my IVA proposal. Do I need to submit every piece of documentation eg receipt book, all receipts and all bank statements showing every business payment or purchase to support the figures on the spreadsheet as if the HMRC wanted to look…
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IVA charges refund?
Hi My husband & I entered individual IVAs in Nov 2007. We made a full and final settlement in Dec 2010. We've just received a letter from a company called 'Consumer Audit Office' telling us that we may be due a return of charges paid by us. Has anybody heard of this company please? If so are they genuine? Many thanks…
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Full and final iva
Hi, me and my partner are thinking of doing a full and final on our iva as due to a drop in money coming in from my child tax credit which will be happening very soon we won't be able to meet my half of the iva as my partner then has to take on the living expenses I used to pay. My dad has offers us £5000 to do the full…
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DRO assessment
Hi Me and my husband split our rent 50/50 along with everything else. This leaves us with £100 surplus. My question is, if I pay 60% of rent then I'll be able to apply for DRO or would they declined as the bills need to be split evenly? he would then use the £50 extra to pay off his small loan quicker. I know this seems…
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DRO and job
Morning All Does anyone work for the NHS in finance, project Management where bankruptcy or insolvency has affected there job prospects. I'm worried that if I went ahead with a DRO it would stop me being promoted within the next six years. many thanks
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when to start rebuilding credit?
My final payment for my IVA is March next year. I see many people get a credit card to start rebuilding their credit rating. My current score on clear score is 231. When do I start to rebuild?
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Aperture and Equity release
We are 6 month away from the end(5 years) of our IVA and just had the equity release question. We are with Aperture ex. Grant Thornton and our valuation was £250,000 with £205,000 mortgage outstanding. So with my calculations 85% LTV = £212,500, which then leaves £3,750 each share remaining, which is below the £5k. Not…
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Tax credits still taking money off even after dro
My dro was accepted in Jan, it had about £1000 tax credit Oerpayment included, but they are still taking repayments, what can I do please?
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Dro & ppi
Advice needed please....I was granted a DRO in September 2012 & discharged September 2013.A debt that I had with Barclays bank was included in the DRO but is still showing as defaulted each month on my credit file.I have recently been contacted by Barclays,who have told me that they will be sending me a form to fill out in…
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Car insurance
Im currently awaiting a letter from my dro application.. How will this affect car insurance? do i need to inform my current provider. Would I be able to go to a new insurance company if I get a cheaper quote etc? Because I'm going to a cheaper car so mu insurance will be alot cheaper.. And was wondering how I go about with…
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DRO lloyds address question
Hi, My DRO has been approved. I am in the early stages of my moratorium period. I have received letters acknowledging the DRO from 2/3 creditors. I have three debts with LLoyds - credit card - overdraft (former current a/c) and Loan. I have not received any letters acknowledging the DRO and continue to receive statements…
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Self Assessment during an IVA
Hi! I've recently taken out an IVA - the circumstances of this aren't pertinent however I have a question I was hoping for some help on. Is it possible to earn additional income on top of current employment through PAYE and declare this using self assessment whilst on an IVA? Let me be straight - we're not talking massive…
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Where to get a DRO?
I'm helping a friend, we have looked at the different debt solutions and she seems to fit a DRO best: Rents flat on her own, on universal credit debt of less than £10k no assets at all. From your guys experiance, which company is best to get in touch with next that can help her double check that is right and also put it…
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Paying into an IVA for 18months yet just found out the creditors haven't received a £
Hi, Wondering if anyone has some advice. I've been paying £200 a month for the last 18months into an IVA. I had received letters from creditors in the post stating I still owe money. Having phoned the creditors to complain that they shouldn't contact me I've learnt that they haven't received a penny from my IVA company. Is…
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IVA - the end is in sight :D
Evening everyone, I just thought I'd pop back and say hi! I have 3 months left of my IVA and I can't tell you how happy I am! I survived and it wasn't actually as bad as I first thought. To begin with it was hard learning how to survive without credit, declining invitations and when my car broke down! But you soon learn…
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Joint account with someone in an IVA?
Hi! I'm after a bit of advice please! I have poor credit history, but my new husband is in an IVA. For the wedding we received some cheques in our joint names. My issue is that we don't have a joint bank account. Rather than have to get the cheques re-issued I'm trying to find out if there would be any complications to…
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Consumer Advisory Service.
Anybody heard of these people ? They have written to me regarding a "recent High court decision that ruled in favour of completed IVA holders" "it is now likely that monies may be owed to you in respect may now be owed to you in respect to the return of charges previously paid by you" Any ideas ? Based in Horton House,…
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Tomlin Order voided by an IVA?
Friend is in an IVA which should lead to 100% payout with a bit left over. His home has now been sold and the proceeds are with his supervisor ready to distribute to his creditors. However one creditor has suddenly upped their claim wiping out the potential surplus. Prior to entering the IVA NatWest obtained a Tomlin Order…