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Do I go for an IVA?
I'm so confused. 1. Ex husband lives in marital home with son, aged 15. Recently back in work after being furloughed and then unemployed. Hasn't made a mortgage payment for 15 months. My name is on the mortgage, but when we split, he wanted me out of the house. 2. I have 10k of debt and a not great credit score 3. I'm in a…
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Coming to the end of our IVA
After 7 years we are due to finish our IVA in November!! We were just interested what people experienced near the end and what to expect. Feeling a little nervous.
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Help with restriction on property.
Hi All,first timer,I am looking for advice.Long story short I entered into an IVA in Dec 2012 and was completed in 2015.Capquest have a restriction on my property in March 2012 they were included in the IVA put failed to show up at the creditors meeting.I have applied for a remortgage for a better rate all has gone well…
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Credit score
Good evening Me again.... Not too worried about my credit score at this stage, but my DRO is being removed from my clearscore account and marked as completed. Im very confused as i thought i had another 3 months to go before i was discharged. Is it common for a DRO to be removed from credit profile early? Does that mean im…
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Moving house
Good Morning all I have the link to let the insolvency team know that i have moved house, please se could someone advise if i need to let all of my creditors know i have moved aswell? If i do, it would take some time as i have about 13 of them. Only 3 more months until my DRO ends.. Whos counting down.. Meeeeee x
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Can I get a student loan?
Applying for DRO but also have a uni part time course in Oct.. no maintenance loan so just tuition fees loan does this affect the dro?
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Frozen bank account
I was with Halifax when I entered my iva 2 and a half year ago, over that time my dad has accidentally sent money to that account so there is now £54 in. I assume the account was frozen as I can’t transfer the money out. I was just wondering whether I ring Halifax directly there will be anyway they would forward this to my…
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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…
