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Iva
Not sure if I should do a iva anyone done this
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Dro
What are the max allowances when working out your expenses? we are earning £26k pa and our expenses don’t look that much but we really can’t pay our debts
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Is this legal? - Bank reclaiming money 3 years after DRO
Hi I was recently (2019) awarded £130 for fees/charges/interest that I incurred prior to my debt relief order. The money was awarded 3 years after my DRO (moratorium period ended 2017). The bank believe they have the right to hold onto this money 3 years latter. About 6 months after the £130 ( Sept 2019 - three and half…
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Debt Management Plan
Hello, I'm really hoping for someone to give me some advice. I have unfortunately got myself in a mess with money over the years. Credit cards when i was younger then a loan to pay the credit cards, then spent more on credit cards to get another loan. Now i am really struggling to get by each month with the payments. I…
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Yearly review
Hello all, I'm currently doing my yearly review of my income and expenditure and noticed that they have put my council tax reduction in as an income but have also put the reduced bill after reduction as an expenditure. Surely if they are classing the reduction as an income then the full bill should be used in the…
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IVA year 6 - declare bonuses?
I've just come to the end of my 5yr IVA and have agreed a further 12 months payments to close it all off. My IP seems pretty relaxed and has said they don't really do much of an income/expenditure washup at the end. My question is if I get any bonuses during the next 12 months do I need to declare these and pay the surplus…
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IVA completed can I get payday loan refund
My Iva was completed may 2018 I had 11 payday loan lenders included in Iva can I complain to get refund off interest for mis selling to me as they were unaffordable from them
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Joint loan
Hi i took out an iva and this was completed a couple of years ago.one of the creditors was for a joint loan which i had with my ex wife.she recently was contacted by the creditor saying the balance was outstanding. I thought including the debt in my iva would have just got rid of the debt.As far as im concerned im now debt…
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DRO - inconsistent credit report
Half way through my DRO some creditors have closed accts others wiped balanced to zero and some are putting on defaults for non payment. I'm really confused as I am aware that the DRO will be on my credit report for 6 years but I don't want a years worth of red defaults on each of my creditors. What should my credit report…
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Payplan/Stepchange budget help
Hi, I’ve put my SOA on here before but I’ve since updated it as some incomings and outgoings have changed based on life circumstances. I’ve been to CAB today who were lovely and agreed a DRO would be the best option for me. They looked at my SOA (see below) and said there’s nothing out of the ordinary and all looks good.…
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Renting after a DRO
Hello Me and my wife have had a DRO in the last couple of years, but have been cleared now for nearly a year. Our current landlord is a friend of the family, but unfortunately he is having to sell the property we live in. Looking around estate/letting agents, we've seen a few places we like, but every time we apply, we are…
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Telling parents about IVA
Hello everyone, I am about 6 months into my IVA so still a long way to go. The main issue I have at the moment it my husband and I live in a house owned by my parents and they want us to take on the mortgage. My husband is aware of the situation but my parents are not. I have looked into the possibility of getting a…
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Restriction against Land
Hi, I am looking for some clarification please...? My Ex-Wife applied for an IVA late last year. We have a joint mortgage that I’m paying, although we agreed to sell this year. I have a letter asking me to consent or object to a restriction against the land. I am wondering if this will stop us selling or make it harder to…
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Used Paypal finance by mistake while on IVA
I unknowingly had Paypal credit set as my default payment method when paying for things via Paypal. I wrongly thought that these payments were using any money I had in my Paypal from selling things on eBay and didn't really keep an eye on what was going in and out of the account as well as I should have. At first I ignored…
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Does your credit file change 6yrs after dro?
Can someone get credit easier when the dro record drops off your file?
