-
Aperture IVA - Acting without Authority?
Hi all, I am at loggerheads with a company called Aperture regarding a closed IVA & PPI. Back in 2006 I entered into an IVA with a company called Debt Matters which was subsequently transferred over to a company called Grant Thornton. I had to complete a letter of authority and agree to the terms and conditions set to me…
-
Bankruptcy & mortgages
Can anyone help me please... I had to declare bankruptcy nearly seven years ago and I was wandering which, if any, banks or building societies would give me and my partner a mortgage. Lloyds want a huge deposit and Santander won't help because of the bankruptcy. Any help/advice would be greatly appreciated, thank you.
-
should I apply for an IVA
I have been in a DMP since April 2011, it is a joint plan with my husband. We have paid £6444 so far but still have £21500 left our estimated completion date is Oct 2034. I am not happy with the company that arranged the DMP, I have a CCJ as they didn't pass my payments on to the correct company early on in my plan, and…
-
SOA help for DRO.
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 0 Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax....... 800…
-
Completion certificate
Received certificate today:j:j Just wanted to check clause about PP I and IVA trust assets. Is this standard and should I be concerned. Comments please.
-
Iva and credit rating
I'm just over a year into a 6 year iva. Is there any way I can build my credit rating while I'm in an iva? Any help will be appreciated Thank you
-
IVA almost done
Hi I'm due to complete my IVA at end of March which will be 6 yrs from date started I can't wait! But having spoken with our IVA ( Varden nuttal) they are saying when final payment has been paid we will then go to completion but this will take 6 months!!!??? They say that they have to go through the accounts but surely…
-
EE mobile phones and IVA
I'm in process of entering into an IVA. I had four phones through EE which were all paid for through my business and theyre only a few months from end of contract. If I add the contracts to the IVA will/can EE block them even if we swap the sims? i.e.. via the IMEI number? I'm loathed to hand them back given they've had…
-
F&f iva
Hi Is anyone able to advise when my IVA will drop off my credit file please? I started an joint IVA in July 2009, but defaulted in mid 2011. We were gifted funds to use as F&F by parents in September 2011. Proposal was put to IVA company and had F&F accepted in April 2012. Completion certificate was dated July 2013. My…
-
Should I carry on with my IVA?
First post on the forum so hello to everyone, I took out an IVA around 8 months ago for debts that were around £12,000 as I spoke to Harrington brooks and they had said that it would only cost me around £98 a month. Turns out that they contacted me after their meeting with creditors to say that it would be £173 a month,…
-
Furious with Coventry/Noddle
Just venting some anger here IVA taken out October 2010 Paid off early in 2015 on a F+F IVA completed six years October 2016 and all other debts in the IVA plus the IVA dropped off my credit file in November so my credit rating went up to Good with clearscore and 3/5 on Noddle Logged on to Noddle over the weekend and one…
-
Applying for mortgage
Iva just dropped off record, payed off early in 2013, started in 2010, will I have any troubles getting a mortgage? Have many people tried with any luck?
-
Selling house 2 years after full and final offer
Advice needed please I took out an IVA mid 2012 two years in we put forward a full and final offer which was accepted, the cert of completion was issued in Dec 2014, we are now considering selling our house which has some equity (didn't have any back then) now im sure I recall the house being put under some embago so we…
-
IVA failed help
I have debts £9000 all payday loans and mobile phone bills. i started an IVA 2 years ago my circumstances have now changed a lot so i am no longer able to afford the payments. When i spoke to Knightsbridge my IVA providers all they told me is that my IVA will fail if i stopped paying and my creditors will now be able to…
-
First time buyers with dro on credit file
Hello, Me and my fianc! are currently saving to buy our first home together, We've managed to save 5K for the deposit and we are currently dealing with Santander but my fianc! had a DRO in the past and it's still on his credit file and will be now for another 2 years due to them staying for 6 years. Santander have said we…
-
What happens to unsecure loan on mortgage, when IVA is finished.
Hi. I'm in an IVA because my mortgage company manipulated me at a vulnerable time to put my unsecured loan into my debts, as what I owed the bank, wasn't enough to be in an IVA. The IVA finishes next year. What happens to the unsecured part of my mortgage? Does it get written off or continues to be paid until the end of…
-
End of IVA and PPI...help!
I'm really hoping someone can help me! My partner made his final payment on his IVA last week (yay!) and then yesterday got a letter from the IVA company, which if i'm honest, we didn't understand. It's basically saying that they plan to claim his PPI (he's not sure how much this is but remembers signing a letter about 2…
-
what do you think?
My final payment to my IVA is March 1st. I enquired with my IVA company as I had not been contacted to do my annual review which they normally do at Christmas time. I phoned them and they said I dont have to do one since the IVA finishes March 1st. Normally I send them my p60 when I get it which is usually in my May pay…
-
Am owed thousands by ex. I have IVAs now
Got credit card debt, gave cash to ex. He will not pay me back despite promising he would. I have numerous text messages stating he would. He has now inherited some money & dumped me. How do I get what is owed to me? He lives in EU. I don't have any spare cash at all. My credit rating is worthless. I am such a fool, I…
-
IVA Company Ripped me Off By Nearly £4K
I am asking advice regarding a company called Debt Free Direct. In June 2012, they set up an IVA for me. I had 4 creditors, and a total debt of £11,124.46p. All debt was unsecured, ie credit cards, personal loan and catalogue. The first yearly review went fine, my payments stayed the same. The second year of review, they…
