We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the
Community Noticeboard for more info. Thank you for your patience.
📨
Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
IVA & DRO
Archives for January 2019
Discussion List
iva update
Hi all, I'm at month 54 in my IVA. Just waiting for my IP to contact me regarding remortgage/raising funds. I'm I right in thinking this is unlikely to be agreed due to my credit rating. If so this will result in a further 12 months payments. Also my income is about to drop by more than my iva payment. I am hopeful that my…
Dro submited, what next
My Dro was submitted to the OR on Thursday. How long should it take to appear on the register? I'm worrying now that it will be rejected
IVA affecting partner
I am looking at having to set up an IVA. All debts are in my sole name. I have a small joint account with my wife at lloyds- its in credit and has never been overdrawn- although I have a lloyds credit card as one of my debts. W e rent and the tenancy is in our joint names. How would my IVA affect my wife and her credit…
Mortgage after iva.
Hi all. After completing our iva. It's 6 years since we started it, we can now save up for a deposit for a mortgage. Has anyone had many difficulties obtaining a mortgage? Particularly a 1st time buyer/help to buy mortgage? I know I could go to a broker who specialises in adverse credit but to me that's an added cost I…
DRO in the Gazette?
Hi Had a DRO in 2015. It falls off my credit reports in 2021. I’d presumed that it would show forever in the Gazette but on searching their website they don’t seem to show DROs. Does this mean that once it goes from my credit report there is no record whatsoever? So if I were to be asked the bankruptcy/insolvency question…
DRO question
I have joint debts with my ex husband. How would this work with a DRO? Would the amount owed be divided between myself and my ex or would the whole amount be included?
12 month wait for iva completion certificate
Hi all, we completed a 7 year IVA last January 2018 and are still waiting for our completion certificate! They have sent us a letter confirming that there is nothing else outstanding and that there isn't sufficient equity in our home. They have claimed all the PPI we were entitled to as well. However, they seem incapable…
Confirm your email address to Create Threads and Reply
Is this how you want to be seen?
We see you are using a default avatar. It takes only a few seconds to pick a picture.
