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Windfall after the IVA was settled
I settled an IVA with 2015. I have now had a windfall for mis-sold pension advice that they are pursuing. It clearly states on the IVA paperwork that they can pursue me basically until the end of time for mis-sold PPI not for general compensation awarded . has anyone else had this and can anyone help?
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IVA, Windfall, DWP
Hey all! Hope someone can give me some advice! I'm 18 months into my IVA and I have a DWP debt that they wouldn't include so I'm paying that separately and in full (they said that this is due to it being money owed to the government). It's come to my attention that I'm due a windfall as such from a loan company that…
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Credit Unions and insolvency
Not really a question just a moan!! As a debt adviser and a Debt Relief Order intermediary I have
for some time been struggling with putting credit unions debts into insolvency. In an area such as mine which is very deprived I see a lot
of clients who have credit union accounts. In fact as part of our budgeting advice
we…
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Dro and change of car.
Hi I am just enquiring to see if anyone will be able to advise me. I am 4 months into my DRO, and unfortunately my car has given up on me. My sister is going to help me to get a new one so I can get too and from work. I know I can't have a car over £1000 but how do I get a potential buy valued? I been offered a car at a…
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Trustee Discharge
Hi there. I had a four year trust deed from 2015-2019. I made my final payment at the end of Feb-19. We are now at the end of July-20 , 17 months after I completed my trust deed and yet the trustee has STILL not discharged himself! As such there us still debt showing on my credit file. This feels completely excessive and…
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Changing my car while in Iva
Hi I entered an Iva and when I did I asked if I could change my car I had on finance to be told it should not me a problem. I’m now half way through my Iva and my car settlement is due this year. I contacted my Iva company to ask for letter to say I could change my car and they have been nothing but difficult. They asked…
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My (DRO) Debt Relief Order Diary
My (DRO) Debt Relief Order Diary With almost £18,000 debt, and being long term unemployed due
to ill health, I had been paying each of the eight creditors £1 per month token
payments, over the last four years. Whilst I am grateful for them accepting these token payments, my debts
kept being taken on by different debt…
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Iva advice
Done 5 years in January 2020 and never missed a payment. 6 months later still waiting about equity release but looking at the government guide it suggests the equity release during the pandemic is voluntary is this true. And also they say it should not extend more than a year. Now I have already gone over six months but…
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Mobile contract during DRO
Hello. My DRO ends in 2 weeks. My mobile contract provider has told me that my account is due for an upgrade. My contract (tariff and device) was allowed to continue as payments were up to date. My phone is really knackered and I use it to study, but I am not sure if this will affect the DRO. If I cannot upgrade now, is…
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Iva help
Been 5 years in iva last payment was January. Not heard anything from aperture so emailed them they said its with there equity team. It as been six months now should it take this long anybody
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DRO & Divorce Settlement
OK, first of all I just want to make clear I know I've really messed up and dealt with this terribly. I am trying my best to sort it now though, please go easy on me! Also I'm on a mobile so apologies for any formatting issues. I was married to an emotionally abusive man for 4 years, together for 7. Then 18 months ago I…
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length of time to hear back from F and F offer?
Hello, I put an offer forward for my F&F offer to pay off my IVA early last week. I know my IVA company stated 6-8 weeks, and im still to recieve all of the paperwork back to sign electronically and return to them. but everything else is done on my part. through personal experience, how long has everybody else had to wait…
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DRO and salary deductions
Hello I have just been granted a DRO last week and had a couple of questions. I have tried to ask the DRO Adviser but they did not seem to be any clearer and thought maybe someone here may have some experience. I currently have a Credit Union loan secured to my savings and repayments were being made via a salary deduction.…
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IVA Preparation
Hi and so glad I found this forum ! Looks pretty much like I will be applying for an IVA pretty soon. I have done a lot of research and have engaged Step Change (plus a few others) and have chosen to go with SC should I press ahead. Although my wife and I have both separate bank accounts, we do have a joint account where…
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I think I’ve been mis sold
Complaint. I first took out this IVA through Harrington Brooks in 2016. The time I took it out I was suffering with Mental Health issues (still am), fleeing domestic violence, looking after 2 children on who is disabled and was on the verge of loosing my job because I needed to care for my son. I spoke to the people at…
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IVA help
Hi guys, any help would be appreciated. I started my IVA in November 2018 and my payments were set at £85 until my car finance was due to finish in December this year, and it was then set to increase to £175. However, I started a new job a couple of months ago and was involved in a car crash which led to a significant…
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DRO completed years ago- still receiving a statement about what I owe
Hi All, I'm hoping you knowledgeable people may be able to advise. I had a DRO in 2011 completed 2012. Periodically I receive statement of account from Santander {who were one of the included creditors). The statement is not asking for money it just says account statement my name etc and amount you owe. I know I should…
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IVA finished, questions remain
1st post here so please bear with me, this may be complicated! We started an IVA in 2014 with Harrington Brooks, in 2018 HB went into administration and the IVA was taken over by Freeman Jones, now called the Financial Wellness Group. Total debt was around £16k. My wife is a self employed costume maker, I work in the…
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DRO application
Evening all I am about to apply for a DRO on the advise of stepchange, they have asked for 3 months pay slips, but I get paid weekly so therefore get a pay slip every week. Would I have to provide all 12 consecutivly, or just 3 latest? Thanks I'm nervous now 🙄
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Dro and its long term effects
Hi I'm in the process of applying for a dro and wanting some advice on its long term effects I understand that after 12 months the dept is cleared the dro stays on your record for 6 years and has a big impact on your credit rating but how much of an impact does it have will it effect me renting or buying a house in the…
