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DRO and Loans just Before an Application
Hello, Just a quick few questions regarding DROs. My friend is currently looking to apply for a DRO through one of the authorised organisations. The issue is, the lions share of the particularly concerning debts is from Brighthouse. He has a television, laptop and washing machine from there. As he is out of work through…
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DRO question
i am thinking about a DRO as cannot work as carer for my husband who is disabled after a stroke, only income is benefits but all are paid to me as my husband is not able to fill in forms etc. so income support is paid to me but obviously is meant to be shared! his income is DLA but that is spent on his personal care needs,…
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IVA/PPI after completion
I had a breakdown, which left me jobless and I contacted Payplan and they told me that I'd pay over the 6 years and the rest would be wiped off. I have to say I wasn't really sure of anything, but everytime we spoke Id end up crying. I received my completion certificate December 2016. I thought that was it. It was only…
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payment demand after IVA completion
I have had a payment demand today two months after my final IVA payment. Do I need to do anything?
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Redundancy in final year
Hi, Me and my partner are 4 months into our 6th year of our IVA after failing to re-mortgage. My wife who is the main wage earner will be made redundant at the end of May. She will be paid 3 months notice and 34 weeks pay as part of the package, but she has no job to go to at present. We currently pay £142 a month and will…
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DRO Help (Hired Purchase)
Hiya all, new here and after some advice. I am currently looking at speaking with StepChange to submit a DRO application but have an issue. Bit of my Back story: Separated from my wife and painfully trying to go through a divorce and sort my life out. Left the "family home" and I am now sofa surfing with no fixed abode.…
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IVA Mortgage
Any advice welcome, I took out an IVA in November 2009 and paid off in full in October 2012, however they not not complete it until December 2014. My credit is good now and recently was approved for a car loan. I am looking to get a mortgage and am hearing conflicting reports on whether this is possible or not. Any ideas?…
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IVA Help | Change to Circumstances | New Job
Hey everyone I'll try and keep this short & sweet! Since August last year, I have been signed on the sick due to illness, which inevitably resulted in losing control of my monthly payments to creditors. In January this year, I started my IVA. My monthly payment was worked out using my Universal Credit payments I receive…
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debt relief order and Virgin Media
Hi I hope all well, Can anyone help? I have an Debt relief order put in place in march this year. Virgin Media has just become an option on my street. I signed up but they have refused because of my poor credit. I have offered to pay up front, I am told they still have pass a credit check, and they no options. Has anyone…
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IVA problem
Hi, I took out an IVA in 2013 and have been passed to 3 different companies , I phoned the one that I am now with to check that the IVA finishes next year. I was told that IVA didn't start until 2015. What can I do as I am a pensioner and disabled and finding it difficult to pay it.
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Chased after DRO
Hello, I would appreciate some advice to put my mind at ease. After struggling with debt for over a decade, I was approved for a debt relief order last year. My moratorium period has elapsed, but I have received a letter from a debt collection agency asking for payment on one of the debts included in my order. I phoned…
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IVA is done!
So the day finally came 29th March our IVA finished! I believe they are in the process of sorting our file ready for completion it has to go through there insolvency firm first as Varden nuttal are in administration! I was wandering when the IVA would drop off my credit score? It's not dropped off yet? I was told it would…
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Completed IVA and Sainsbury's Bank
Hi everyone, I've recently successfully completed an IVA arrangement early by offering a full and final settlement. I've received my completion certificate but last week received a statement from Sainsbury's Bank demanding payment. It hasn't been unusual to receive the odd statements from my old creditors and each time I…
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DRO and the £50 surplus
How will it stand with my DRO application if I haven't got a surplus of £50 per month after all outgoings paid? After completing income and expenditure info I will be approx £100 short of what I spend! Will my advisor still think a DRO is the best option? I'm meeting her on Monday. Thanks.
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In a tight spot
My last I've payment was the start of March. During my I've I neglected my car and as such have just had a big bill to sort it. What are the chances of me getting a payday loan which I will pay off asap?
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Iva or DMP
Hi all, Completed SC budget and with 45k debt between myself & hubby, a new baby, soon to pay nursery fees, plus my hours changing from full to part time...SC suggested either an IVA or DMP and we are unsure what's best to go for. We are currently both out of pension (hubbys been out it for 5 years) & want to go back I'm…
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Research Request
Hi all - I'm trying to pull together a list of great debt management firms to deal with for our adult college. Anyone have any suggestions?
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Dro
Hi! My DRO is nearing completion, so I thought I had better look into credit reports and clearing them up. I have a noddle a/c and I am concerned that neither my Barclay's current account or a consolidation loan I had with them is appearing on my report but everything else it. Some already say settled. They also tried to…
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Full and final offer query
I've just started an IVA with credit fix of £105 per month over 5 years. Over the weekend I came clean to my partner about my finances and he has kindly said he will offer credit fix £5000 as a full and final offer. Ive emailed my consultant at credit fix and she instantly messaged back saying this will be rejected as the…
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Default notice after IVA completed
My IVA was completed in August last year and I have had the completion certificate. The other day I received a communication from Link Outsourcing, who bought one of the debts in the IVA from the credit card company. It is a notice of sums in arrears and says I have failed to maintain payments on this account. I'm a bit…
