-
CCJ and DRO
Good evening all I'm looking for some help with a ccj and dro. I had a dro which finished in February 2019 and two of the debts on the dro had ccj's attached to them. These two debts do not exist anymore as they were written off by the dro. I have spoken to the companies and courts that issued the ccj's about having them…
-
Clear start
I had a discussion today with national debt line, they put me in touch with a firm of accountants called clear start, has anyone had dealings with this company
-
How soon after settling an iva can I begin rebuilding?
I will hopefully be able to settle my IVA soon so I’ve been reading through some of the posts here advising ways of rebuilding your credit score after an IVA. There’s been some excellent advice, but I am still a bit unclear on how soon I can start this process after my final payment? Would I need to wait until I receive my…
-
Circumstance change in IVA
Hi, I have an IVA and my husband also has one, this was only agreed on 30th March. Was looking forward to a much easier life with more disposable income than before. Now it’s looking like our marriage is irretrievably over and I would like him to move out (we have a mortgage together and also 2 children who I don’t want to…
-
Is DRO still visible on file after six years?
Can the DRO still be seen on credit file if over six years old? if so can it affect credit applications if over six years old?
-
DRO and HP agreement
Hi, I hope someone can help me. I am considering applying for a DRO, as I am in a lot of debt due to a previous relationship. We could afford what we took out together but on my own I cant. It is all in my name so there is little way I can get any money from him. I have a car on a HP agreement that is worth more that £1000…
-
I’m desperate for advice help please!
I am going to be 29 years old next week an I’m in a financial mess! I owe £11.126 pounds in loan, catalog and cc debt ( all together) currently paying £350 a month just servicing debt and unable to make a dent to it. I am currently working at a supermarket and making around 1200 a month with overtime but cannot get this…
-
Once IVA is finished
Hi, so I am nearly 4 years into my IVA out of 5 years, I fine myself in the lucky position that I can now afford to pay my IVA off now. I have a Experian Credit Score of around 675 (Poor Status), I know the IVA will stay on record until 6 years (wasn't told that when i took the IVA out). My question is if I do pay it off…
-
Debt collector during pandemic
Hi, I am currently in the first stages of setting up an IVA. I have had letters from my debtors saying they may and have passed my debts to a collection company, I would like to know if they are allowed to appear on your doorstep in these uncertain COVID-19 times, I have been trying to call the companies my debts are with…
-
Re-Mortgage and secure loan in the last 6 months of an IVA
Hello I wonder if anyone can advise me re a re-mortgage/secured loan. I am in the last 6 months of an IVA and have been asked to release the equity in my home. If I apply for this with my current lender will this cause issues for my existing mortgage please as I realise I will probably be turned down. Thank you in advance.
-
Worrying about losing my car
Hi just a question I am in the process of setting up an IVA with 18k of debt. Have been told I will be able to keep my car which is worth just under 10k and was a gift from my parents a couple of years ago. I need the car to get to my job and also get my children to nursery and school etc. Look forward to having some…
-
Iva. And Coronavirus
Hi all I’m currently paying into an iva and wondered if anyone had been able to take a payment holiday from theirs? Husband is furloughed, son left college and now my daughters home as uni has finished and can’t get work. 4 adults in the house and only 1 income at 80%, plus my benefits. I will approach the iva company and…
-
Have dro also company right off
What I owed Lowell said they right off what I owe them but they still reporting on file as not paid kind of thing can Lowell day sell those debts and then I get chased again or because they said I don't owe it they won't sell will be debt free November 4th then I'll have to do a credit clean up I been here while lurking…
-
Starting a Limited Company after a DRO
Hi, need some advice.. How long after completing a DRO am I able to set up a Limited Company? My DRO finished around 12months ago and I've been given an opportunity to work freelance but have been advised that I need to invoice through a limited company. Am I eligible to start one up?
