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1p Challenge - ClassicYear 20261p Challenge - ReversedYear 20261p Challenges - December to NovemberYear 26/27. Great for saving for Christmas1p Challenges - December to November - ReversedYear 26/27. Great for saving for Christmas1p Challenge - RandomYear 2026
Hi All, Today I went to CAB to get advice about a possible DRO my question is one of the debts we have has 2 figures. The settlement figure and the balance. Now I am a bit confused, we borrowed 15,000 with an APR of 16.9. When speaking with the creditor they have given us two figures, one a settlement figure of £14,900…
I have two payments to go in my IVA last payment will be made on my 40th Birthday. Should I be doing anything now or preparing to do anything? Also I usually do an annual review about Christmas time but haven't been contacted by payplan to do one since my IVA final payment is March 1st I am assuming an annual review isn't…
Hi, My partner and I have paid into an Iva over 7 years. We have now completed all our payments. The original debt was £56,359.20 We have paid in £36,711.55 Ppi asset received £12,44.00 Total paid in £49,155.55 I am slightly confused as to why we have to remortgage. Deducting what we have paid in against what we owed is…
I hope someone can help with what to do next. I have received an offer letter from a debt company to pay 33% of the debt. This amounts to £188. I was visiting my parents over the holidays and the letter says today is the last day to contact them. I do wish to accept this offer but am not sure how to continue or what to ask…
Hi everyone, I'm in the third year of a 6 year IVA with Debt Free Direct but have offered full and final to finish the arrangement early. The meeting with my creditors is scheduled for 10 January and assuming they agree I wondered what happens next? Will they need to conduct any more reviews of income and expenditure or is…
Hi all, new to this forum. I entered into an IVA which I defaulted on. The court date for which was back in 2006. I've been slowly re-building my credit and have requested an equifax report. The IVA is still listed under court information as a public record. I thought this should have been removed after 6 years? No other…
I attended a meeting with my IVA supervisor to sign the paperwork relating to six month extension to my 5 year VA, and to also 'have an adult conversation about his fees' There was no 'conversation' about fees, I was simply told that he was not prepared to carry out any further work unless I agreed to his fee of a further…
Happy new year everyone. My DRO will be 1 year on 6th January. Can someone fill me in with what happens now. Do I get any kind of paperwork or can creditors contact me at all now? Sorry for the ignorance. Many thanks in advance :)
Hi - i have received a very recent inheritance £140K my IVA is £62K - ( been paying £200 pm for 3 years) I asked for a final settlement figure and the company has advised it wil be £83K + charges To be defined. Are there any solicitors around I can discuss this with as it does seem very unfair?? Andy
Hi everyone, I would be very grateful for some advice please. My IVA came to a successful end in 2011but took another 18 months has to receive the completion certificate as debt free direct was chasing PPI payments from my creditors. I was really annoyed by this as it kept me officially within the IVA for any extra year…
