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IVA & DRO
Archives for June 2020
Discussion List
IVA advice please
Hi guys, long post warning! I had a car crash a few weeks ago and wrote off my car, I received £1880 from my insurance. I emailed Aperture to advise them of this and that I would need to purchase a car ASAP as I need to get to work. A few days later I bought a car for £2100, I needed a reliable car as I commute 66 miles a…
Two yearly Reviews?
Hi all, I'm wondering if anyone can shed some light on a situation I have with my IVA I completed my Anual review over the client portal back in October and received my Anual Report to Creditors in December. I thought that was all over until next year, however,..... I have received an email from my IVA company two weeks…
Moved: Advice, asap, please!
This discussion has been moved.
After Completing an IVA
HelloI completed my IVA in Feb 2020 and now wish to improve my credit score. How can I go about this ? I have heard that the IVA still appears on credit reference agencies records for another year after completion ? if correct does this then automatically dispear after the 6th year? Lastly would it help to send a copy of…
Barclays stopped my switch to natwest due to IVA
I have today queried with Natwest why I haven't received the Switch incentive for going to them. They have now come back stating that Barclays stopped the switch process because I have entered into an IVA. Hence why I haven't received £175 offered to transfer. I was totally unaware that this had happened, admittedly I had…
Payments increase
Hi I have a IVA with payplan and the payments keep going up. from £150 To £350ish. I am open and honest with the budget and keep them informed on any changes. But the new amount I cannot afford to pay and me and my wife I've checked the budget seems ok but we live on the breadline and the extra £190 They want we honestly…
Recommended Insolvency Practitioners for Overseas Clients
Hi There Does anyone know of a good Insolvency Practitioner who possibly specialises in dealing with people who are now located overseas (and who is a Chartered Accountant) and wishes to enter into an IVA? Many thanks in advance
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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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