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Settled my Iva is it still impossible to get a mortgage thanks 🙏🏻
So I settled my Iva in November and now want to get a mortgage hopefully 🙏🏻 is this completely impossible until my six years are up or can I hopefully get one thanks for any help .
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DRO Renting
Hi I had to do a DRO on 9th March 2018, discharged/satisfied 9th March 2019. I need to leave my current rental and now I'm hitting a wall with renting a new property. They ask if you have any 'adverse credit' and I reply honestly, but the last letting agent just said that as my DRO was for 10.5k and it will show on my…
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£80k Unsecured debt and stressed
Hi. I am suffering from huge stress and am only managing 2/3 hours of sleep and just cant cope with the repayments - been over 3 months and havent paid 2 out of 5 of my creditors. I owe circa £80k at the moment in unsecured loans/ credit cards/ bounce back loan (sole trader) etc. My business went bellys up during covid.…
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Ebenegate ARGHHHHHHHH
Hi So I am in my final 9 months of my IVA and was sold from Vanguard to Ebenegate. They called me in December to tell me they had done an I&E review due to a change of circumstances that I had submitted and according to them I could not afford the payments due to cost of living. Did I want a payment break, I said no but…
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IVA Company gone bust
I’m coming up to 2 years in my IVA and have found out my company has gone into administration in November, I’ve had no communications from anyone and can’t get in touch either, I wanted to make a final settlement soon but worried this is not a good idea until if and when a new company takes over
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Sim only deal
I'm 6 months in to a debt relief order, can I get a sim only contract at £18 per month?! Would I be breaking any of the rules?! Thank you in advance.
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Possible Scottish Trust Deed - looking for advice
Hey folks, A few months ago I entered into a DAS and I am finding it really tight especially with the recent cost of living etc. In the income and expenditure, they left out my Gas and Electricity expense meaning the DAS was £229 higher than expected ; I have requested a variation of the DAS as I am struggling to pay the…
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DRO and outstanding income tax
Is Income tax owed included in a DRO? (only £145)
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Iva fees
My husband and myself went into an iva just over 5 years ago we have now made all our payments and are at the stage where we need to release equity from our house, but unfortunately last year my husbands father passed away he was left some money, which we have informed the iva company of, so the amount of my husbands…
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Changing IVA
Hi, is it possible to change from an IVA to a DRO? and if so how is it done please?
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5th year IVA anxiety
Hi, My husband is in his 5th year of the IVA and I'm trying to find out some answers please We only have 10 years left of our mortgage and I really don't want to remortgage this close to being mortgage free , How can we stop this? I've looked on the IVAs website under this section and it states that if a co owner will not…
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DRO overthinking and silly questions.
Hi everyone, I am in the process of applying for a DRO with Stepchange, I haven't actually spoken with anyone at stepchange yet, I have just sent over the documentation and I am waiting on my tax credit award letter being sent to me to send onto stepchange, so I may be jumping the gun a little bit here but I wanted to ask…
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IVA completed but won't allow me to get car finance.
I completed my 60 month IVA in September 2022. I was perfect never missed a month. However, I really need to get a car on finance (I know but I can afford it!) So I found a car got finance approved etc The finance company have come back to me to say my IVA is not showing as complete. I contacted the IVA company and they…
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IVA Fees
I really need help. I have been in an IVA since July 2020. I was desperate and am starting to feel like I am now trapped in the IVA. I recently asked for a list of balances on what I still owe and it seems that all the payments of £155 per month I have made since 2020 have just gone on fees and interest. I was recently…
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Hanover insolvency
Has anyone got any idea if this company has gone ? They are still taking money out of my bank but I can't get on to the Web site or emails and phone calls are going nowhere .? Anyone have any ideas please 🙏
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Can somebody help??
I did a dro in 2018. In September I recieved a strange letter from a tracing agency looking to contact me, contained a reference number. I received this at my new address which I had only lived at for a matter of weeks. Didn’t contact them. December I recieved a letter from global debt recovery containing the same…
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In the event of a failed IVA....
Can debts and fees of a failed IVA be included in a (or stop) a DRO being granted?
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Daughters debt
My daughter has been off sick for 6 months from the NHS with mental health issues. She's just told me she's in debt to £22,000. To MBNA and Lloyd's Credit Cards and Zopa loan. She's been on half pay since September. Lloyds and Zopa have been understanding so far but MBNA have not. She has yet to receive her December pay…
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Car finance
Hello, my 12 month DRO is due to end in July. My car is on its last legs and I am hoping to get one on lease when the 12 months is up. My credit rating will be shocking. Does anyone know if it will be possible to get a lease car with bad credit? many thanks
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Obtaining new mobile contract on DRO
Hi all. I broke my phone some time ago and have been borrowing one from a family member, and my provider is now saying I’m due for an upgrade. It would be nice to get my own phone and give back the one I’ve borrowed. Would taking out this credit effect my DRO? I understand you have to tell the lender about it, if you…
