-
Iva help
Hi, I’ve just received an email from a company saying they have taken on one of my debts and that I need to now inform my Iva company of this so they can update payment details, my question is do I have to do this? I thought that all contact with creditors ceased when taking an Iva and that the Iva and creditors would sort…
-
Car finance during IVA
Hi I have been in an IVA for over a year now. When I started I wasIn a lease contract for my car. It has now finished and needs returning. My IVA managers told me I am allowed to apply for HP finance to get a replacement car. The first time I tried I was turned down. Has anyone else had success with car finance during an…
-
Trust deed
Hi, I was wondering if anyone can give me some information. I have recently been discharged from a trust deed (I am sure that comes under a IVA). This will be removed from my credit report in September 2021. My wife and I are looking to buy our first home in 6 months or so. I am basically looking for anyone that has been…
-
IVA Annual review
Hi, my IVA annual review is due on beginning of 2021. This will be my first review. I’m concern about a bank account which was opened two years ago. I didn’t used that account much and wasn’t any due that’s why I didn’t mentioned it to my IP. This year I’m using this account a bit . There is some good transactions. Now My…
-
Supervisor Fee Dispute
Hi there, I was hoping to get some re-assurance in terms of the supervisor fee which I am being charged. Numbers for illustrative purposes only (assume 100p in the £) Total payable = £10,000 Amount owed to creditors = £7,500 Disbursements = £1,000 Supervisor fees = £1,500 Is it normal practice for my fee to be based on the…
-
DRO and POA
Hi, I’m new here and just wondered if anybody could offer me some advice? I had to take out a debt relief order in 2012, would this prevent me from now applying for power of attorney for my elderly mum? Thanks for any help
-
What is an iva
I've been offered an iva to clear and manage my debts how does it work
-
Ex-Partner IVA advice
Hi, I'm hoping to try and get some (helpful) advice regarding my ex-wife taking out an IVA. We split up almost 6 years ago and had an unsecured joint loan together. The joint loan had 2 years left in October 2020, but when I checked my bank the monthly direct debit hadn't been taken. I called them (Halifax) and was advised…
-
Credit file clean up.
Hi all, Looking for a bit of advice. Not long finished my IVA, and looking into cleaning up my credit file. It's not looking to bad apart from a credit card account that was part of my IVA but is showing as "Current" & not "Closed". After fishing out my paperwork it looks like the debt was sold. Who do I send my polite…
-
Iva Q&A
Hi all couple of questions: 1) How long does an IVA take to appear in your credit file. 1) Why are creditors that decided not to vote on IVA, still sending me letters saying I have missed payments ?
-
Iva annual review
Hello, I was just wondering how long it normally takes (I’m aware it will be longer due to the pandemic) to hear back when you submit an annual review. I’m with Aperture and on my last review there was no changes in income or expenditure so nothing changed. This year I have started a new job where I earn a bit more but…
-
IVA and Inheritance
Am I able to pass the proceeds of my late fathers estate to my partner, thus avoiding my iva taking it all. As from what I have already read, I believe its possible to pass inheritance my children to avoid inheritance tax.
-
Extending my iva
Could someone please advise me on what to do,my iva has been switched to another company and i have till thursday to decide if i am going to extend for 2 or 3 years😡i was with aperture with my iva i rang them in january 2018 telling them i couldnt afford the payments i was told to fill in an expenditure form and they would…
-
Insolvency page dro
What does it look like after the 12 month does it just say the end date and that it thank you
-
Miss- managed administration on inheritance that should have been paid into IVA
So, I finished my IVA two months ago and received my certificate of completion and final report last week. Upon looking at the final report I noticed that some inheritance I was due hadn't been paid into the IVA, worried the money had gone missing I phoned the solicitor dealing with the estate, and was told they still held…
-
Trust Deed and Credit File
Afternoon all, hope you can help with my question regarding my credit file. I entered into a Trust Deed in Jan 2016 and was discharged Jan 2020 at the 4 year point. At the 6 year mark, Jan 2022, this will fall off my credit file completely. My question is, will I be able to obtain a mortgage then? I’ll have circa 25%…
-
Free help
How can you get free help with a IVA seen loads of websites dont know who to trust don't have the money to pay for help if I did I wouldn't need help in the first place. Got into loads of debt with my ex let her use my name to get credit to keep her happy know have children with a new woman but loads of debt harassing me…
-
ccg
We where advised all debts are included within an iva but now have two payments left to finalise and have been told that we have to pay a ccg
-
Cleaning up credit file after IVA
I finished my IVA successfully in Aug2020 and the IVA will be removed from my credit file from March 2020. Did a credit check through credit club and wanted some advice. I looked at credit report under credit accounts and found defaulted accounts. Should these be removed by the offending parties or would they be logged as…
-
DRO accepted
Not sure how I feel. I sent my application off to StepChange 7th September and had my DRO granted by the OR today, all sent via email. Thank you to those who helped me with my questions! I really appreciate it. My name isn't on the IR yet, imagine it will be in a few days? I am happy, but feel it was too easy. I suspect…
