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DRO and credit file?
Hi, I'm coming to the end of a DRO and I'm panicking. I'm attempting to pay off my small debt as I may now be able to do so, but I'm unsure of how long this will stay on my credit file. I've heard it will stay on file regardless of if it's all paid off before the moratum period ends, does anyone know if this is true? At…
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Debt no longer with recovery company still covered by DRO?
Hi. I came out of my DRO this month but have realised one of the debts haven't been included. It is past the 12 month period FYI. Initially I had a debt with an energy company. Some of the debt was held with debt collection company and when it came to the DRO I listed £x with them and £y with the energy comps details. So…
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IVA and money from wife
Hi, I've just submitted for an iva but have a question. A lot of my debt is from gambling and investing, of which my wife gave me a considerable amount of money towards the investment. Would it be possible to put her down as a creditor or not? Thanks
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Paying fees on fees
I recently completed my iva in full after only one year because of a large inheritance payment. When my completion certificate arrived in the post there was a copy of the invoice and I was shocked to find that the supervisors fee was calculated on the entire realization including the iva companies fees so as I see it I am…
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Warrant of Control - Please help!
I have been sent a warrant of control for a ccj against an old credit card debt that I ignored. I know I shouldn't have ignored it but I'm dealing with a terminally ill mother, a young child and severe anxiety. I gave sought advice from step change who have advised a DRO as I only have £10 left at the end of the month and…
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Having a business after having debt written off
I am going through the process of having my debt written off which includes fines owed to HMRC, will I still be able to be self employed after this has been sorted?
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Is SF loan classed as income?
Im a first year student. Single. I have 17k of debt. I work full time bank at the hospital. I can work 0hrs or 60hrs a week. This year i had to pay student fees so used my maintenance loan to pay the fees and worked full time. Im concidering an IVA. However i cant find out if my student loan would be taken into…
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IP supervisor suddenly enforcing guidlines 4yrs into IVA
I'm 14 months away from the end of my IVA. I've had a payrise, so as expected, it's been taken into consideration at my recent annual review. The issue is that the Supervisor of the IVA is quoting for the first time during my IVA "StepChange budget/guidelines", because a few items in my I&E have exceeded them (not by much,…
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Post D.R.O
Hi I'm wanting some advise on this please..my dro ended sept17. I've recently received some money from a family trust..the trustee/solicitor has sent a form to claim tax back on what's been paid.. I'm bricking it because I didn't know I was receiving this money Its classed as unearned income..will it have an effect on my…
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Getting a mortgage after an IVA
Afternoon, please could some one advise me on where i could get a mortgage from. I am now out of the IVA which ended on the 5th February last year and i am sturugling to get a mortgage to be able to move house. Some advise and companies that will not rip me off would be greatly appreciated. thanks
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Additional Employment during IVA help.
Hello, My husband and I have recently entered into a joint IVA with Stepchange. All payments are coming from his salary. Due to ill health and family commitments, I have been unable to work for the past few years. I am hoping to be able to return to employment within the next 12 months. My question is, will I be permitted…
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Question about employment
My partner is thinking about getting a dro after mine was accepted. He has a load of debts from years before we were together and it’s raking a toll on our money situation even though my debts are getting sorted. The only worry he has is if his employment will be effected with the dro? Will he need to let work know about…
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Dro accepted. Gas and electric question
So my dro recently got accepted, my gas and electric were included on my dro. My contract with the provider end next month and I am wanting to switch providers as I’ve had nothing but problems with my current provider. Just wondering if it’s possible for me to switch even though I've included them on my recently approved…
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IVA Mortgage questions
Hi all, I unfortunately developed a rather expensive habit(gambling) over the last 4 and half years and finally faced facts and gotten the necessary help and have started the process for an IVA. I've got a question in regards to mortgages. My fixed rate ends in February next year with Nationwide. Me and my wife have…
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Thinking of doing a DRO. HELP NEEDED!
So I’m thinking of doing a DRO (if I’m accepted) and needed help with a few things if anyone could answer I’d really appreciate it. My story - I have around 18000 worth of debt over 7 different loans and credit cards. This has been built up over a period of 11 years. From been a single parent, having hours reduced at work,…
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Dro and council tax arrears
I received a dro on the 13th of August 2018 which included my council tax bill for 2018/2019 as they had asked for it upfront so could be included. On the 20th of August my partner and kids moved in. We notified HMRC , DWP, even went to council put in a joint letting application for housing. I received a council tax bill…
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Capquest claiming I owe them money after 5+years
Hi all, after reading a few other threads regarding a similar issue I’d like some advice on my situation, so basically was in an Iva from 2007-2012 which I completed and received the completion certificate in January 2014, however yesterday I received a letter from capquest who brought the debt in 2009 from abbey national,…
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IVA Payrise
Hi, I have only started paying into an IVA just under £200 a month. However low and behold only started into it and my circumstances change take a change for the better. I have now the opportunity to work overtime more regularly meaning I could earn around £600 a month extra. This fairs well to my future career with this…
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Obtaining a DRO
My partner and I have been together for 4, nearly 5 years. He is in 4K of debt. This debt was all before we met. He got made redundant and has since been unable to keep up the payments, they agreed to him paying £1 a week when he was claiming contributions based job seekers. He is no longer able to claim anything now aS I…
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IVA not showing / Credit card still are on credit report
Hi guys any help would be massively appreciated I have just finished my second year of my IVA and was looking through noddle at my credit report My IVA is not currently showing on their. I think this maybe because when the company raised it the used the shortened version of my first name Chris not Christopher. When I…