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DRO and creditors not showing on experian
Hi, My husband is applying for a DRO and we have printed off the credit report however there are 2 accounts that have been passed to Debt recovery companies that are not showing on the report. we have the letters from the recovery agents though, what happens with these? Also our furl is £60 per week due to the distance my…
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IVA annual review
Hi there, Hoping you can help. My IVA company has sent me a link to log into online to complete my first review. When going through this, I'm asked to give my online banking username, password and other banking detail details. I'm very suspicious about doing this, especially as the first email I got from them was quite…
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Problems after completed IVA
Hello, I was in an IVA and after paying for three years without failure I was offered a loan by my supervisor to pay off the remainder of the IVA. I took the loan option and now have almost repaid that loan. My IVA was then completed using the loan and I was sent a final report which stated: “Pursuant to Rule 8.31 of the…
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Iva to setting up my own dmp
Hi I'm in my first year of an iva worst mistake ever with payplan I'm looking for advice I feel like I would be better of with letting my iva to fail and to write to my creditors and set up a payment plan with them has anyone attempted this. NEED HELP!!!!!
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IVA debt written off after 5 years?
Correct me if i'm wrong, but i read that if you have been in a IVA, the debt can be written off after 5 years? Is that correct?
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Review
Hi Had e mail today with my annual report. End of 1st year. I note that some creditors have not submitted a claim or proof of debt yet. If they don’t at all in the 5 years is that debt still cleared. Also have not been asked for income or expenditure update. As one of creditors who have not submitted a claim was the main…
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Help from people who’s DRO has ended!
I haven’t been on here for a while. Since my DRO was approved i haven’t been contacted at all by any of the creditors. My only regret is i didn’t do it sooner. I was just wondering what happens after the 12 months is up? Do i have to send anything in to prove I still can’t pay? My situation hasn’t changed and it’s highly…
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IVA and Mortgage
Hi all. I'm after some honest and hopeful help in relation to my status. I have an IVA that was approved and started in April 2018. My wife and I of 7 years currently rent and desperately want to buy our own home as our rent is so expensive. I'm 47 and used to own a house with my ex over 11 years ago so I'm technically not…
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Iva help
Hi there, help needed please, I am in my 5th year of an IVA and I had been asked to remortgage and as expected my current provider refused, I have also tried online and refused there as well, I was then contacted by select partnership and offered just over £8k by them and they said they would be able to settle my IVA, my…
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IVA and PBA reclaim
Hi all, I have finished my IVA nearly two years ago with no problems and have my certificate issued to me. During that time in my IVA I claimed back near 20k in PPI which went into my IVA. Recently I was contacted by a company who said they can claim back Package Bank Accounts ( PBA ), so I filled in the forms and sent…
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Debt Relief Order, 02 and Virgin.
Hi all, I am submitting my paperwork for my DRO in the next week or so but have just realised that my 02 contract, sim only £15 pm is due to end in May. My Virgin Contract for internet and TV £56 pm is due to end in August. Neither of these companies will form part of my DRO. Should i switch providers now or wait till the…
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DRO advise please
Hi my husband is due to pay and submit his DRO in the next couple of days with stepchange. Does anyone know the timeline of how long it takes to get accepted and if many people get refused a DRO? What happens at the end of the 12 months after it is accepted? Also he has a telephone phobia which makes things difficult, will…
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DRO & Car Insurance
Hello again! I have posted previously about my OH and our (his) DRO journey and have received brilliant advice, so I have another quick question please: His car insurance is due for renewal and his current insurer have sent the renewal pack through, which is surprisingly very reasonable! So ideally, he would like to just…
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Homeless with an IVA
Hi I am posting about a friends situation, I want to support her in the best way I can and am asking for some guidance please. Summary: single female, currently working full time but at risk of losing job because of sickness absences (due to stress and anxiety). Declared a IVA from June last year, housesitting for a friend…
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I&E not updated since 2015 please advise
Me and my wife are in the last few months of our IVAs. We just got sent a letter asking for income and expenditure review and have been asked for P60s going back the length of the IVA. Our last review we completed was Oct 2015, my wife was on maternity and our I&E was very different. My wife had a significant pay rise in…
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DRO advice please!
I am seriously considering a DRO. Stepchange have said I qualify but I have a few questions to put my mind at rest. 1. My daughter is severely disabled and I am her carer, I claim Universal Credit and PIP on her behalf as I am her benefit appointee, can this continue if I have a DRO in place? Will the payments going into…
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I am planning to go into an IVA with Advice, Any recommendation for this company?
I have checked 1000;s of reviews, It seems legit. (www. iva-advice . co) If any one has used it then let me know. Or any other recommendations?
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basic account needed
I am looking at a possible IVA and need to open a basic account. It cant be linked to hsbc, lloyds or tesco banks. I am not sure if TSB would fit the bill as I think they have now completely split from lloyds. Can anybody advise what would be a good bank to use.
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IVA Change of circumstances
Hi all, Further to my other post "iva update" I have been looking after my father for the last 2 yrs whilst working part time. He has been helping me out financially but in the last few weeks he has gone into care for a assessment of his needs and capabilities. It looks unlikely he will go back home. This will impact me in…
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IVA and property inheritance
Hoping someone can help? I am currently just over a year into my IVA with approx 10k left to pay. It is quite possible that I will be inheriting a property in the not too distant future. How will this work with the IVA? will I be able to take a small mortgage against the property to clear the IVA or not because of my…
