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Struggling to get stolen money back as a creditor from an IVA company (CreditFix)
Hi there, I am owed money from someone who is in an IVA with CreditFix. I am a registered creditor with them but they still haven't sent me a single payment. It has now been more than 3 years and I don't know what to do anymore to retrieve my money. They are claiming that the fast transfers do not work with my bank account…
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Creditfix IVA Adjustment Request
Hello, I've just received an email regarding creditfix wanting to call a meeting of creditors to adjust their fees. The worrying part is the comment at the bottom which states: Please note, you may be impacted if a change in circumstances allows you to repay your creditors in full. As I may be in the position of being able…
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IVA company requesting permission to call 'meeting' of creditors to discuss uplift.
Helo I am 26 months from paying off an arranged IVA. Having read information on these forums I now realise I've been missold the IVA (my debts were well below £30k, I have no assets to my name (renting as I can't afford to buy). Unfortunately, despite thinking I had thoroughly researched the options, I fell for an…
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A good Sunday feeling!
I knew it was coming but to wake up to a message and then seeing this just reconfirms how far I’ve come and the end of 6 year period that I’d rather not ever have to experience again. A very much welcome relief!
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Iva and work!
I work for an insurance company in claims. I started my Iva in feb, so far so good. Payplan asked me about my job with it being in the finance sector. I checked my contract and there was no clause about bankruptcy or insolvency. Never had a credit check or anything like that whilst working there for 10 years. They advised…
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DRO application submitted - allowed to apply for new credit now?
I’d ideally like to have a credit card for real emergencies (eg for gas / food), with a minimal limit eg £200. Hopefully will never need to use it but at least I’d have a safety net. am I allowed to apply even though I have submitted a DRO application? Or if I have to wait until the DRO is (hopefully) accepted, can I apply…
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IVA while living with partner
Hello. so I’m contemplating an IVA right now but want to keep my partner off of it. The debts are solely mine and solely in my name. the opposite is also true. The house is in their name, as are the bills and we have no shared accounts. Can I enter an IVA that would completely exclude my partner? There is a lot of…
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Savings post DRO
Hiya Looking for suggestions please, I am nearly 2 years post DRO and have 0 debt, a very very basic account, wages in 3 direct debits out bills out rest is mine kinda thing... I'm now looking for a savings account to build a little nest egg for myself (lessons have been learnt) but finding getting an online savings…
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DRO PANIC
Hiya I took out a loan back in 2018, I filed for a DRO in 2020 all OK still no debt etc all swimming along and today I have just had a call about an unpaid debt nothing paid for 3 years, I assumed it was included in my DRO but I can't see it on my list of creditors included...I'm panicking...any advice please? Thanks
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Receiving incorrect information from my IVA company
I started an IVA in October 2020. Unfortunately, I became unemployed in late 2021 and decided to take this employer to an employment tribunal. In October 2022, I reached a settlement agreement with that employer before the date of the tribunal hearing. I
immediately informed my IVA company and disclosed full details. I was…
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IVA and early termination
Hi everyone, I tried to find a similar situation but I couldn’t find any. I started an IVA in May 2020 owing approx £32k to credit cards and the HMRC (Tax Return - Self Employed). My disposable income back then was quite low therefore my monthly payment was £222 which was bearable. Then on the next Annual Reviews and due…
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IVA Certificate
I have misplaced my IVA certificate, i completed my IVA in 2011 and to remortgage my house i need to send a copy of it to them, can anyone help how to go about getting a copy, the company i used for my IVA have gone?
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Finding a lost Iva completion certificate
I’m really struggling, I’ve lost my Iva completion certificate from 2005 (when I received it) and I have just found that my house has a restriction on it that the Iva practitioner hasn’t removed. This is now preventing us Re-mortgaging our home. The Iva company doesn’t exist anymore so cannot get hold of the practitioner…
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DRO or no?
Hi, I’d appreciate any advice. I’m about £20k in debt (council tax (sole as previous) utilities, water, credit cards, catalogues) - all my sole debt, in my name, partner not aware and at risk of losing everything. Currently in breathing space but the council have sent an attachment of earnings dated yesterday. As I said…
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DRO application help
Hello I have debts of about £11k. I'm thinking of applying for a DRO via CAB as I've heard horror stories regarding IVAs. I just wanted to know: - Can I apply for a DRO for myself or does my wife's income and debt have to be taken into account (we have separate accounts, and she has £5k worth of debt) - Are phone contracts…
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IVA - Not on register after 4 years
Hi, I ve been paying an agency for 4 years and just found out that I am not on the register and there is nothing on any of the credit reference agencies. Does this mean I don’t have one? Does this mean I should be worried? Any advice appreciated
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Council Tax Information Request
Hi Guys, I owe Council Tax arrears and was issued with a Liability order. I have now received a letter Information request, which is asking for all my details. Payroll details etc. I am at present working out my budget and collecting all my up to date information to see if I can qualify for a DRO. I am not making any…
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Help. £2190 over £30,000 DRO Debt Limit
Hi All New to forum. Would really appreciate some advice. Been struggling with debt for a couple of years. Personal and business ( sole trader). Business really has collapsed due to my mental health challenges. Mental health challenges got worse due to covid and economic crisis effect on business. Chicken and egg senario.…
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DRO
Hiya I was issued my debt relief order Sept 2020 all has been well since, clear. No debt no nothing. Just had a look at my credit score and it says I still have a default on there... this was part of my DRO. Please could someone advise how I can clear it after all this time, as I want to improve my score a little. I also…
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Phone Upgrade due and DRO
Hi Guys, I’m looking into a DRO as it’s looking the option that’s best for me and my situation at the moment. I’ve spoken to National Debt Helpline and I’m at present putting together a budget and collecting all my info credit reports etc. However I have a EE phone contract that ends September and I am now due an…
