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Moved: Debt advice
This discussion has been moved.
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IVA Advice
Hi all Just after a little advice. I currently have around £35k of debt solely in my name nothing in my partners. We both own our home however have been looking to possibly put the home solely in my partners name. This is because I have been advised to go bankrupt due to my circumstances. The other option I have is an IVA.…
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Landlord credit checks
Our IVA was completed 2 years ago. We have just sold our house and are planning to rent while we look for somewhere to buy. We have just applied for a rental property via a lettings agent and the application form asked if we had any CJs, IVAs etc, even if settled. Of course we have been honest. But if they do a credit…
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What is my likely hood of getting a mortgage or car finance?
Hello, i'm new to here! Just a bit of background info in 2013-2016 I racked up some debt whilst at University. Not wanting to ask for help I sorted this out myself and entered into and IVA June 2016. After my parents finding out the IVA was paid off June May 2017 and marked as complete. It will be 6 years since it started…
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DRO - STUDENT FINANCE
Hi there Myself and husband are looking at taking a DRO each. However could anyone tell me what happens when I receive my payments from student finance. I have already received 2, and I am due one in August of 1800 £1500 of which is s Welsh government grant and the rest a maintenance loan. I won't have another until oct…
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Debt
My partner has run up nearly £20000 debt 3 credit cards 1 loan and overdraft he has called a place called debt advice expert who have advised for him to do an Iva he is now living at his mums has I can’t trust him is this debt advice expert a company who charge I’m unsure has he was advised to ring step change but called…
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CCJ while in an IVA
I went into an iva during 2012 and this was completed in 2019. During 2016 one of the creditors of the iva applied for a CCJ but as paperwork went to a wrong address I knew nothing about it until they tried to enforce it. I wrote to the court and I received a letter back saying no enforcement could take place due to the…
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IVA & CAR UPGRADE
Good morning, I hope you can help. Myself and my husband have an iva, but our car finance is not included on it. We are with Black horse, and have are wanting to possibly upgrade, as our car is starting to give us issues. I am wondering if anyone knows if that is possible or not? We have spoken to our IP who said that as…
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Help needed please
Hi, I'm a long term reader of this forum, and now I'm hoping you can give me some advice. My partner got me into a lot of debt regarding a gambling problem. I didn't know about this until it was too late and now have a CCJ against my name along with approx £20,000 worth of debt, this all happened whilst I was on maternity…
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In IVA considering Bankruptcy
Hi, My partner and I are in a joint IVA which started in 2018. We've had 9 months payment holidays and it is now meant to end in June 2024. However, things have gotten more complicated. I was made redundant due to Covid lockdowns and I am still looking for employment. We receive some Universal Credit which is a huge help,…
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Having issues because of an Iva
My husband is getting a mortgage. He got accepted with a dip, but after around 6 weeks, his financial advisor has said that there’s some issues as I have an Iva. I’m not going on the mortgage bearing in mind. The financial advisor has said he’s trying to fight the case, but is putting into another mortgage company and is…
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Debt relief order and mobile phone contacts.
I am thinking about applying for a dro can anyone tell me if I can include mobile phone contracts in it.?
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Iva and partner moving in
Hi I’m hoping someone can possibly offer me some advice, I’m on an Iva almost 2 years in, I work part time and receive tax credits which obviously all counts towards income etc. My question is if my partner moves in with me in the future, my tax credit application then needs to be a joint claim with my partner - how does…
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IVA Annual Review & Gambling
I'm 28 and had my first annual IVA review in April 2021, currently paying £150 a month. Debts came to around 26,000 just from credit cards, loans, store credit etc. No mortgage, never owned a car so that's fortunate, I think. They asked for last three months' bank statements and payslips, and to review your income and…
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Mortgage after IVA
Hi all, having a nightmare here so hoping for advice. looking to sell my property and with the equity in my property clear some debts and out a deposit down. I have debts and my other half completed an IVA in October 2019 (it’s come off his file). Can anyone reccomend a broker that can help and not muck us about?
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Help needed!!
Hi, brief history. I entered an IVA in September 2018 and haven’t checked anything to do with my credit report until recently. I was under the knowledge that any lenders in my IVA had to put the account into default which would stop my report showing any missed payments. All the lenders involved have done this except amigo…
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Creditors meeting 5th Jan
Hello all, Been watching this forum for some time now and finally ready to post about it. I have been struggling with debt for a while and actually came to the realisation this year mainly sped up by COVID and furlough situations etc. Anyway I have been dealing with Stepchange and they have been amazing. I can’t thank them…
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Re mortgage during iva for full and final offer
Hi I've been thinking about trying to end IVA early by remortgaging. I have equity in my property and would need to attempt this anyway towards the end. I am paying £340 a month into the iva, have 16 months left plus i will need to pay another year or release equity. I have recently got my mortgage statement and have…
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iva answer or not
I am waiting for the DRO increase to come in place. I understand my iva must be failed before I can do this. I have my payed my iva for 2 months now . This past week they have constantly rang and left voicemail. Do I return their call and let them know my plan or just leave it a bit longer? Or send them confirmation now I…
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IVA DLA & UNIVERSAL CREDIT
Hi All I have just entered into an IVA through payplan. The original agreement took into account my son's DLA money and offset the whole amount to his care needs. Since then I realised my son was also entitled to an additional elememt of Universal Credit. I informed payplan and they have increased my monthly payments…
