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Fantastic news!
I recieved my discharge papers from my very long, very tiresome trust deed today :j:j For those who are just beginning one, or are worried about spiralling debts, please please seek advice sooner rather than later. OK, my deed seemed never ending, but I would never have managed without it, and now I'm debt free. Find a…
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interlocking IVA
Hi can anyone tell me do you pay two sets of fees to IP if in an interlocking IVA or is it just the one?
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Ashley park
I am so annoyed. I phoned a company regarding a loan and was duely passed to Ashley Park a Debt solutions agency. It sounded like a good idea at the time so i said yes. Fortunately things changed slightly for me and I no longer need their service. They have debited my bank account £75!!! Unfortunately i did not realise…
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which bank account
Hi. can anyone advise which is the best bank account to open before entering into an IVA. I live in N.Ireland and was wondering about Bank of Ireland as don't think any debt connected to it. Also, is it possible to have a debit card and cheque book when on an IVA?
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Just little advice on iva companys please?
Hi all, I recently went on an IVA (payplan) few months ago. Was on it for just over a year an a half, when things got very tought and it failed. I have since then got my self back on my feet an wanting to re entre an IVA. Does any one have some tips and companys that are good etc? Many thanks Dave
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Redundancy and IVA
Hi This is my first post. I am currently in an IVA that has been running since Aug 06 paying 82p in the pound back to my creditors which I think is pretty high. I have found out in the last few days that my job is to be made redundant next April leaving me only a few payments to go. However reading through my original…
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taking the plunge....
[FONT=Verdana, Arial, Helvetica]Hello to all Have been mooching on here for a while and thought I would post. Me and my partner are on a DMP with payplan at the moment,been a year,the debt hasnt really reduced as one creditor is still adding on interest,one of the creditors agreed the payment I was sending them,then have…
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Really Screwed Up.... Help.!!!
Hi, This is my first post and I am at my wits end, hoping that someone can offer some advice please. My wife and I took out an IVA about 18mths ago, as I was self employed the payments were quite low and affordable.... or so we thought. I wasn't earning anything like what was expected and we struggled big time but always…
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£50k debt please help me - I need to get my life back in order.
Hi and many thanks for reading. To cut a long story short I was in a relationship where my ex partner and I got into a high amount of debt, initially this was due to living beyond our means but then the credit was used to live on and in fairness to myself I tried to make a change and put a stop to it but problems in the…
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IVA Q: Council tax & water rates
Hello In my 3rd month of a Payplan IVA & thought of something. In my area (don't know if its the same everywhere?) I pay my water rates over 8 months (so get 4 months off) and council tax over 10 months (so get 2 months off) Does anyone in the same position have to pay the extra into their IVA's I've been over all my…
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IVA Payment charges...please help
Hi All, Some friendly advice needed. We started our IVA 4 years ago and since that time the company we were dealing with changed to another one. We received papers one day stating their new fees etc but honestly as we were in the middle of the IVA our hands were tied and we had to accept them as our new company. Now 4…
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IVA v Vol Bankruptcy please help!!
hi everyone am new to this, so any help would be gratefully recevied. i have had an IVA for two years and pay around 600 pounds each month, never missed a payment and it works well apart from paying in extra money for overtime and bonuses!! but two days ago i got a phone call from a company saying i should go into…
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DAS and Mortgage Question
My OH has a DAS and it's all going as it should at the moment. I also have a friend who has a DAS but she is wanting to sell her house (not much equity - perhaps about £5000 - £7500), and either get a new mortgage or use her current portable mortgage to fund another property. I think, but I may be wrong, her chances of…
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credit after iva
I am due to finish my IVA in 16 months and i want to know what my credit will be like after? How long will i have to wait and what can i do to help my get a mortgage? I have always had a phone bill throughout my IVA which i pay by direct debit and never have defaulted on that or my IVA payments. I have however had a 4…
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IVA and Credit Card - advice please
Hi folks, Was wondering if someone could help with an IVA query? I'm just entering into my third year of an IVA with DebtFreeDirect. I have never missed a single payment and was getting on with life. Last year, I had to move into my own home (rented, housing association, as name finally came up on the list!). This resulted…
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IVA - Looks like the solution...
Hi to All As a result of several spells out of work after years of stability over the past 8 years then looking after an elderly family member (now sadly passed away) requiring my wife to quit work (£14K per year) 5 years ago (unable to return to work due to illness herself), the accumulated debts that I have been…
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IVAs
Did you know. You can actually have a 3 month IVA!. You need a bit of cash behind you in the form of I.E. legacies, Endowments, Trustee payments etc etc. Creditors agree to a one off payment (from 30 - 60% of the debt) It then gets agreed. you have 3 months to come up with the cash. Creditors get paid. you then have a…
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New IVA and British Gas
Hi All, Firstly to say a big thanks to this forum, I never posted but it was such a great source of information and others experiences helped us through. So, we are in to month 1 of our IVA and feeling strong and positive, then a few letters from British Gas drop through the letterbox referring to a closed account and a…
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Trust Deed Advice. (Scotland)
Hi MSE Boards, As I'm sure you will be used to, the first post is the plea for help :rotfl:I have lurked for many a year but now is the time :( Mrs Anxious Jock and I have been keeping our head above water and no more for some time now, first, 5 years ago we bought a house that stretched us to the limit (on the advice of a…
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Joint IVA - Now Husband has left me
Hi, My husband and I have been in a joint IVA since June 2006 and although we've still got 16 months or so to pay, I could see light at the end of the tunnel and was counting down the months till we could finally get on with our lives. We have been paying almost £600 a month. Then, out of the blue, he packed his bags on…