IVA & DRO

Archives for April 2016

Urgent question
My final payment to my IVA is March 30th next year. I had to move back in with my mother because of my debts but unfortunately she has had a stroke. Now obviously I don't want anything to happen to her but I was wondering what happens if she was to die as I know she has left me a sum of money as my inheritance and I don't…
Iva sold to harrington brooks
Hi, we ate in the third year if our 6 year iva with debt lifeboat. We have never missed a payment. I have just received a letter saying its been transferred to Harrington brooks with no explanation. Does anyone know why this would happen? Debtifeboat have been great, very fair with yearly reviews. I'm worried Harrington…
Credit file and iva confusion
Hello I've had an iva for 4 years now always paid on time and everything is up to date. I thought I'd check my credit report as I'm getting closer to my finishing date. When I've checked it my mortgage which was included In the amounts of debts for my iva (house was repossessed before iva began) is showing as a closed and…
PPI Interest Refund While on IVA - Aperture (Grant Thornton) delaying payment)
Following a recent review of our income and expenditure (as a result of change in circumstances) we found out that our IVA company (Aperture, previously Grant Thornton) were due to pay us back the interest on a successful PPI claim they made on our behalf. They had made no proactive attempts to inform us of the refund and…
DRO bricking it
This is the first time I have posted on this thread. As my title suggests I am bricking it . I have just been accepted onto a DRO by the IS and I am in the early stages when the creditors will be informed. The reason I am concerned is I am aware Creditors can appeal. They are mainly well known High street banks and one…
Debt not removed from credit report after DRO but is this worth pursuing
I have a substantial debt of £13k owed to NatWest showing on my credit report. This debt was cleared by a DRO I took out in August 2010 which was then completed in August 2011. My credit report is showing the final payment on this loan as being October 2010 with the first default being November 2010. I have not attempted…
Remortgage required. Broker recommendations please.
Hi everyone. We have completed our Iva (December 2025) and would like to remortgage as we are with Northern Rock on variable rate. Could anyone recommend a specialist broker please? Thank you.
Refund onto credit card and DRO
I am currently applying for a DRO. My credit card accounts have been frozen and cannot be used. I bought a washing machine on one of the credit cards over a year ago from Homebase/Argos. It had problems from the start and has been repaired twice and replaced once, all under the guarantee, then it broke down again. They…
Iva completion certificate
Can anyone offer me some advice? We finished paying our 6 year iva in November 2015 and were told by our Iva company that we would receive our completion certificate in January this year. After what seems like ages chasing it up we have now been told that the iva company has been put into administration. We are extremely…
MDC owe me money but sold their IVA business
In desperate need of some help and advice please! I received a letter with a cheque for £611 from my old IVA company, Money Debt & Credit last October. Unfortunately I had moved house days before amd didnt receive the letter until February. The letter stated that the cheque was for dividends owed. I cashed the cheque but…
Aperture Grant Thornton
I have 11 months left of my IVA I want to pay this off in the next 2 months. I have contacted Aperture via email about 4 emails I have sent and no reply. I have to say since I have had this IVA their customer services are appauling, I bet you a million quid if I stopped one payment they would be in touch with me the next…
IVA and car cost
I wonder if anyone can offer some advice regarding my car problem? My car went to the garage with a rattle last week, turns out it is a big problem requiring an engine rebuild. The car is 15 years old and it isn't worth repairing, as the cost of the work is going to be approaching £1k. I am in an IVA, the equity clause was…
DRO almost complete, when to get a credit card?
Hi there, i have approx 6 weeks left to run on my DRO, and i am reading that in order to start building my credit rating back up, i should apply for a "easy too get" credit card, use it and pay it off every month, so it doesnt cost me anything, but shows as a positive on my credit file. My question is, do i wait until my…
Experian @&£**##$$!!!!
Hi, I did a debt relief order in 2014. It expired in 2015. Until January of this year I have stayed well away from credit of all kinds and I'm doing ok now when it comes to spending. However this year my plans include getting some credit which I have properly budgeted for. So I began to look around for a credit card with a…
IVA advice please :)
Hi everyone I'm in an odd place with my IVA, and having read through a lot of the really helpful info on here I thought I would pluck up the courage to ask for some advice. I am currently 18 months away from finishing my IVA. This IVA started because I was previously on a DMP and the IP advised me to switch to the IVA as a…

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IVA & DRO

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