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Dro
Can I go from being on the dole to working and earning £800 to £1000 a month with out wrecking my DRO. ?? Regards Dave
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applying for DRO next week, what happens if i spend on store card in the mean time?
Was left in a lot of debt by my sons father ( all the debt was in my name), he's not man enough to admit that half is his, doesn't pay a penny for his son at the moment (long story) anyway what would happen if i spent on a store card now when im intending on filling in forms either next week or week after.thankyou
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Considereing a debt relief order
Hi everyone, brief history ive been on dmp since 2006 and have reduced my debt from £18,000 to just over £7000 but due to a couple of things (having a baby, job cut etc) im struggling to now meet payment of the dmp. I will be paying if off for at least another 5 and a half years. Now i have been looking into a debt relief…
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Completed IVA & need advice on credit file tidy
Hi all, I am delighted to say I have recently completed an IVA after 5 long years ( I can still hardly believe it) and wanted to firstly say to all those currently in one, it does get easier so hang on in there. I am in the process now of tidying my credit files with the 3 credit ref agencies and it has thrown up a few…
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Cccs va iva taking sooooo long
So, had our interview with cccsva on 23/12/09. Sent off all requested paperwork on 12/01. Then they spent 4 further weeks asking for more info and copies of other documents NOT on their original list. I spoke to them yesterday and was told that they are passing my file to have the draft iva written up this week!!! Why is…
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Seriously considering an IVA but unsure whether it will go through.....
Hi all. I have just received my IVA pack from Baines and Ernst. We have been accepted for the IVA over the phone and now have to fill the forms in. On the form, bank statements and credit card statements are asked for. The thing is, my credit and bank statements show quite a few deposits to poker and gambling sites (maybe…
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Including Utility Bills - Not yet gone BR/DRO
Hi everyone I'm looking into either a DRO or going BR - just getting all my research together and have been doing so for some time. Another debt has cropped up now due to a problem we're having with our electricity bill. We live in a small, one bed flat and had our last quaterley bill was £600!!!!!!! Spoken to Ofgem and…
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Few Questions
Morning All, My first post here, and hopefully somebody somewhere can answer my questions. I currently have enough debt to qualify for an IVA, but before I do down this road, I just wanted to get somebody's hopefully personal experience, as I didn't want to take the companies word as gospel, so if you can advise, that…
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Advice re IVA for self employed not Ltd Co
Hello, I am looking for advise for my oh he is self employed and in partnership. Can anybody please advise the implications of going into an IVA could have on his business/partner. Thanks in advance :)
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Setting up an IVA with Payplan
Hello everyone- this is my first ever post so please be gentle! To introduce- i'm married with 3 kids. Total debt- £38,000 In process of setting up an IVA via Payplan we recently had to send in proof of income- i had to send in my tax credits letter & hubby had to send a cashflow analysis (he is self employed) Anyway- we…
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IVA review I&E - Please help
I have got my IVA review tomorrow and would like to know how much I can put down for food, phone, etc etc does anyone have a list of the amounts for payplan?
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Losing my job
Hello again :) Right, sent all the paperwork to set up our IVA yesterday and then last night was told that I would be losing my bar job (£60 a week) as the landlords are being evicted! The way I see it I have two options. (1) to carry on with joint IVA as will no doubt get another job soon (and we can just manage without…
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Just sent everything off.....
....to CCCSVA and they are going to start the ball rolling on our IVA. Feels like a weight has been lifted just sending it but now need to start worrying out whether the creditors will accept it! Just had to let someone know :) Jx
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new to this , soa here , would i qualify for a dro?
i am a single parent , son of 13 and a daughter of 7 Income support £149.27 Child benefit £33.20 Total £182.47 SOA.. Electric £30 V media £17 18 month contract Vodafone £5 18 month contract Water rates £5.20 Tv licence £4.00 Food £50.00 Laundry , cleaning , cat food , toiletries £5.00 Provident £13 needed this to get over…
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DRO and DLA
Hi, I'm disabled, and only just really got myself through the winter, I'm coming out of hiberanation (so cold!!) My DLA is being reviewed and will hopefully be considerably increased in the next few months. If I apply for a DRO, will they leave my DLA money for me to spend on disabled things I need ie. Swimming, chiro,…
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IVA Question
Hi All Can anyone please help. I contacted cccs had interveiw budget and was advised an iva. Now the Problem. Rang today to arrange interview with IP,spoke to the ladt on the telephone and she said we may not quailfy because of joint debts etc.We have lived together for 10yrs not married 2 kids. My partner and i have debts…
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Debt Advice Foundation & Payplan IVA
I just wondered if anyone has used these companies for an IVA and what your experiences were. I made first contact with Debt Advice Foundation last night and suggested I do an IVA. I've looked into it and feel quite happy that at least in 5 years I'll be totally debt free.
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Problems opening a current account
Hi - New to the site & forum so hope this works!! Well I have been in an IVA since last September, before proceeding with my application I was advised to open a new current account, so I went along to Nationwide but they refused to open an account as I had a current account already, but I already had an old cashbuilder…
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Credir card & loan protect charges.
Hi guy's Just wondered if anyone had made a claim while involved in an IVA, and what was the outcome??? Not going to do it if i lose all money, as I am already going to be clearing nearly all my debt anyway and by claiming I will lend up giving them more money back. Thanks for your help.
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Hi need help with a decision
Hi, I am in a total financial mess,I owe around 24,000 to different creditors. I stopped paying them last April, when a old friend gave me the advice on unenforcability, I had all the CCA's back and they are all proving to be forceable, during this time, I have recived 2 ccj's and I have Marbles taking me to court on the…