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IVA & DRO

Archives for August 2019

Rent Arrears and DRO
Hi All, Will including my rent arrears in a DRO lead to me being evicted? I have a payment plan in place to clear these arrears but obviously do not want to lose my flat if a housing association end up evicting me. I have emailed the housing association so will see what they say but wondered if anyone had dealt with this…
IVA practitioner complaint and advice needed.
I have posted before about this, however I have developments. Basically, we completed our IVA. We have certs, all debts are settled and case closed. Then we applied for and got more PPI AFTER we had our certs and everything closed, however the PPI company (Creditfix) said they were "interested" in the PPI money, it went to…
DRO and debts from abroad
Finally I am on DRO from June (2 months now) and everything is fine with my UK debs - no calls, emails or stress about it. But I included some debts from abroad and still have emails and calls from them. My questions what I have to write to ask some proof i am on DRO? when I filled my application i have contacts etc, but…
Is DRO for me?
I have a total of £7500 debt. One loan, two credit cards plus £500 on my next account. I am employed part time. My wages do not cover my debts and currently parents are helping to pay my monthly payments. My partner currently pays some of the house bills due to my debt the house and car are in his name. I am left with no…
IVA help
I am owed over £17,000 by someone and have a CCJ against them for this, which the court bailiffs have been trying to recover. Today I got a letter regarding an IVA offer showing they owe other debts too, totaling over £31,000. It says the proposed repayment is £114 or £6840 over 60 months. It also shows Nominees Fees of…
Advice on IVA
I have an iva that is completed and I'm just wondering if I need to declare this when trying to rent?
in an IVA, PPI refund received but wan to pay off family and friends
Hi My friend is in an IVA, she received several PPI refunds recently, which she wants to use to pay off family and friends. She did mention these personal debts during the IVA application but the family and friends decided to exempt from paying it back. They have recently asked for it back and she's been holding it off.…
CCJ from 2013 still coming after me despite going bankrupt!
Hi, in 2015 I went bankrupt. Everything went fine. I've checked my credit report for the first time since then and seem a CCJ on my record starting one month after I went bankrupt. The actual debt was from 2013 and relatively small (£315) How were they allowed to do this? Should my Bankruptcy not have forbidden them from…
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Facing upto debt
I am new to this forum malarkey. I finally came clean to the man I love (and was going to marry in two months), my financial situation and how bad it was. Needless to say he's cancelled the wedding and is very very hurt that i didnt share this with him in the beginning of our relationship. I dont blame him at all. I am…
Restriction on Property
Our IVA ended in 2017 we received completion certificate. We are remortgaging to a different lender and we just received a letter from the bank solicitor saying there is a restriction registered against property in 2012 by Grant Thornton. Should this of been removed?
Advice needed on iva
Hi. I'm new to this so please bare with me. 7 years ago I entered into an iva. The iva company at the time was Grant Thornton. When it started it was explained that the iva would be over 6 years instead of 5. At the request of my mortgage company. I paid regularly every month. It was also explained that 6 months from the…
IVA completed - are we still liable?
My husband and I were in an IVA and received a certificate of completion in December 2015; the administrator has now written to us stating that if we receive any PPI reimbursement we are legally bound to hand it over to them to pay into the IVA. I would like some assurance that this is misguided as all of our creditors…
DRO & mobile contract?
So looking to send my documents into step change for DRO and then pay the fee. I have a EE mobile contract and have never had late payments and always up to date, Will i be able to keep this? Thanks :)
Failing iva and outcome
I have been in an iva for 2 yrs this Sept with a debt of £23,000. I have missed several payments and i am about to miss another one due to financial problems. I know this time they will fail me as they keep threatening to do so and i cant make up the payments. In the 2 yrs no money has gone towards my creditors as they…
Credit file after DRO
Hi all My DRO completed in March this year, I saw on another thread that Sourcrates mentioned cleaning up the credit file. What does that mean? And how do I do it?

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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IVA & DRO

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