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DRO, HP and parking tickets question! Please help :)
Hi everyone, wondering if anyone can help. I’ve read through tonnes of threads and seems like you guys are the experts! so, I have around 17.5k in unsecured non priority debts and my mum has been helping me with payments as my cards all have high interest rates now the 0% periods have ended. I am currently on unpaid…
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“Serial” DROs
After my DRO is ended with no outstanding issues and it is removed from the register, and assuming I legitimately apply for subsequent credit and not act fraudulently, how soon before I can reapply for another DRO? Is it 6 years from the start or end date of the first? Have people become “Serial” DRO applicants?
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Dept help please, another Clear start accounts victim
Hello all, This is my first time posting on a forum ever so am nervous and also a little ashamed that I have let my situation get so out of hand but after a couple of years with my head in the sand I'm finally strong enough to tackle my debt issues head on. After reading on here and on other forums, I've realised I too got…
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Ebengate
Can they really be as incompetent as they seem
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Iva finished and over paid tax repayment
Hi, I’ve recently finished an iva and have a certificate to prove completion, I’ve got overpayment of tax refund due from self assessment am I now entitled to this when I request a repayment from Hmrc as the Iva is completed? thanks
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How much should offer for a full and final settlement for IVA?
Hi, In IVA for just over 5 years. Now in extended time due to payment breaks. The last payment is due in August 2024. A family member has offered to pay for the rest of the IVA to finish it and save our worry and stress. We are not homeowners. How much should I offer the IVA people if what's left is £900 to pay? Is there a…
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Product Transfer with same bank with IVA or Debt Management
Hi, We are nearing our fixed mortgage and will not be able to remortgage because of the above since we have been scammed a lot of money. My questions are below 1) what is the probability of being rejected of the product transfer? 2) one of my mates has the same problem but might use the product transfer by 4th quarter of…
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IVA Yearly Review
I have just submitted my first yearly review. Can anyone advise what usually happens next? Is there any futher correspondence e.g a phone call or email communications once they have reviewed my documentation and supporting evidence?
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Debt was passed to agency days before DRO was approved
So I had my DRO approved around 7 weeks ago (I'm now in the moratorium period). However it seems that behind the scenes just days before the DRO was approved, one of my creditors had passed a debt to a collection agency. Can someone confirm if this debt is still counted within the DRO? Or do I have to pay it?
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DRO Issued And Virgin Wanting Me To Post Proof
I had a debt relief order issued about a month ago or so. I received a phone call today from Virgin Money, who was one of my creditors included in the DRO, they said they hadn't received any word of the DRO and I must physically post a letter with the DRO document included within 30 days. There was no option to email I…
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IVA question
My wife and myself are currently with joint payplan since the start of this year and after the review they stated i could be eligible for a IVA. Spoke to somebody from payplan partnership who do the IVA and they have informed me to change bank accounts again! i already did this at the start of the year when started the…
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IVA Dispute Advice
Hi folks, I am currently in the process of raising a dispute against my IVA practitioner on the grounds of mis-selling and failing to provide requested information. I have submitted a formal complaint to my practitioner along with a DSAR. I have also filed a complaint with the Insolvency Service. To cut a long story short,…
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DRO help please!
Asking for my partner: Debt relief order applied for and approved, 2019. A month before the end date, £4,000 inheritance received. Declared to DRO and then DRO was cancelled due to the money received. No-one is chased the debts at all which total approx £15,000. Credit report is just showing 2 debts, one from BT and one…
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DRO - which intermediary and breathing space?
Hello everyone. I’ve had my lightbulb moment. I currently have approx.
£12.5k of unsecured debt which I can no longer pay due to a change in
circumstances, a situation which won’t improve at least for the next two years.
When the initial panic and shame subsided, I spent lots of time reading this
forum. The advice on this…
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Creditfix Annual Review
I am currently in an IVA with Creditfix, just had my 2 year review and I have a question for any current/former clients of theirs. I gave over my Income and Expenses both last year and this year in line with the agreement, however upon receiving my Annual Review Statement Email, in a section dubbed "Clients Income &…
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IVA still showing after 6 years
Hi,my iva was settled recently and I expected the debt to fall off as it was after 6 years started. I note that is is still showing on all my credit files. Am i suppposed to ask them to remove it?
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Considering a DRO...
HI Guy's So here's my story.. I am currently in debt by over £20,000 I have credit cards, a bounce back loan in my self-employed name and an overdraft. The debts are mainly for emergencies which have had happened over the last few years; car breaking down, business failing, holiday to see my Father in Canada who had a…
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DRO Approved - Now I get a job offer!
I've recently had a DRO approved (as self-employed) and I'll be discharged in just under a year. This is quite the relief as the debt hanging over me was making me miserable. Another thing that has been making me miserable is that I graduated in 2019 and as yet haven't found a job related to my degree... until now. An old…
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Joint council tax DRO
Hi, I included a small debt for council tax in my DRO which was granted in September this year. What I didn't realise as I had forgot was my partner is also on the council tax bill. The council are saying this debt shouldn't of been included as they can't split it there fore it must be paid. Is this correct? Whats my…
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IVA Slow to Complete
I entered into a full and final IVA in November last year (2022). All money was paid and the IVA was accepted by my creditors. It was passed in the local court. I am still waiting for the IVA to complete nearly one year later. Is this normal practice? My debt management company has simply said that they are still waiting…
