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IVA & DRO
Archives for March 2020
Discussion List
DRO rejection
Hi, I have got myself into a complete panic! We have applied for a DRO through StepChange. I have admitted we payed one debtor but not others, so preferential treatment, the only reason for this was we had enforcement agents hounding us and they are scary and just don’t give up! So made a payment arrangement with them…
IVA help wanted asap please!
Hi all I'm currently into a two year DMP with PayPlan and it's simply not working. I am paying up to £300 a month and I feel the balance just isn't going down at all and still have several more years to pay it off. I looked for help and was offered an IVA. However, I have been having some doubts. My car is worth around…
Iva / citizens advise
Hi, I currently have an iva with step change but my son has just left school and this going to have a massive impact on my payments as my income has reduced with a job change also, but now I've no idea how much impact it will gave on child benifit and tax credits. I would like to try to remortgage to a better rate and…
Transfer money from old account to new one
Hi I am in the process of entering into an IVA, I have had to open a new bank account and was wondering as I'm in my overdraft if I need to transfer any remaining money left in the account up to my overdraft limit, otherwise I won't have any money until my next pay day?
DRO & beneficial interest
Hi guys, can I please ask for some advice? Ive currently got just over £12K of debt. Went through NDL for help and advice. They originally recommended a DRO but then advised wouldn't be possible due to beneficial interest. I moved in with my partner 10 years ago. The house is solely in his name and is mortgage free. He is…
I feel like I've been mugged off.
Ok, forgive me if this post seems more from the heart than the head. It'll be as brief, yet as concise, as I can as I do waffle on when I get going. In 2014, the wife and I entered into an IVA. We (collectively) owed just over £20k. We signed the paper work which included our mortgaged property to be taken into…
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