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Contact creditors after 12 months or 15 months after DRO?
Hi there. My DRO ended in December and just curious about the post DRO cleanup. So far only a couple of my creditors from my list have updated my credit file with 'satisfied' and closed, a loan and an overdraft. Then one credit card removed the sum owed, showing zero and just marked it as 'Delinquent' but still open. Is…
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Expired Debt Relief Order - Am I able to get a job?
My Debt Relief Order (DRO) expired a few days ago. I am currently semi-retired. I am interested in looking for part-time work. Will I now be allowed by the DRO Office to seek employment, please? Thank you.
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IVA or DMP on Maternity
Good afternoon, I need some advice. I have debts totalling £8800 and currently on maternity leave so cannot afford to pay more than £50pm on my current DMP. I spoke with Payplan to update on my current situation and they were advising either an IVA or Bankruptcy. Prior to being on maternity leave, I was paying £541pm on…
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IVA best choice?
I have debts over 40k , no assets,living with partner housing association. Work full time , debt spiralled interest etc spoke with advisor about options not sure which is best! Currently planning on IVA not sure if best option plz help! Is it best to let creditors chase me and arrange a payment to them?
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Private Van Insurance with IVA
I'm having enormous difficulty finding insurance for my van because of my IVA...I cannot afford 12 months up front....does anywhere just do 6 month cover or any advice please?? Thanks
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IVA Certificate for HMRC (completion 2010!)
Hi I am in a messy dispute with HMRC, I have had a bill from HMRC for tax they say I owe from 2001. They said it’s been linked to an IVA which I had from 2005-2010 so they’re assuming I didn’t complete my Iva. This is incorrect as my IVA was completed and in fact I had a mortgage in Sept 2011. I cannot get a copy of my Iva…
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IVA Completion certificate delayed by 9 months
Hi, I wondered if anyone could offer any advice on whether I can take any action against my IVA practitioner. I recently completed my IVA back in June 2024; it was extended by 2 months due to a bonus I received the previous year. Other than that, however, it ran perfectly with no other missed payments or extensions. I…
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Address changed on credit file by company whilst in a DRO
Hello, I'm not sure of this is the correct place to put this but I'm looking for some advice. Last week I received a notification from my credit report that I had an address change. When I logged on I can see that one of my creditors Intrum Finance UK have gone ahead and changed my address on file with them. I hadn't…
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IVA - not cleared after 8-9 years
Hello, my partner and I are trying to get a mortgage. His IVA was taken out in 2016 with vanguard insolvency. He had a phone call and of 2023 to say it had been completed. However, we have now found out that the company who took it over, Ebengate, have kept his file open, stating he owes money still, however shouldn’t this…
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Iva
If i owe £6.000 left on my iva but I get inheritance of £20.000 does the iva take all my inheritance, I been told different things from people who don't know. Also on my iva I have bills I've already settled as they hounded me for it first year so paid off lower ones..I'm currently finished my 3 year, two more to go
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On a DRO but tax now deducted from salary
Hi everyone, I sought advice from you previously regarding my eligibility for a DRO. I have just been approved. The advice you provide here is extremely helpful so thank you. However I have just checked my payslip before my payday on Friday. I have noticed that the council is taking the tax back from my salary even though…
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Joining mine and my partners money whilst in an iva
Basically, I’m starting an Iva next month and we’ve worked out that if we join our money together we should be able to get through it all relatively okay. How will this affect my Iva? Will I need to pay more or is there ways around it. I was thinking of using my account to pay all the current bills but then having my left…
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DRO questions
Hi, I recently applied for a DRO with money wellness and had my phone assessment yesterday. Some things came up which I wanted to check before I approve my application. I have settled/leave to remain status, will the DRO affect this? I am a EU national. The person I spoke to advised me to check. I recently received a grant…
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Missold IVA
I entered an IVA in Jul 2021 and has voluntarily terminated it in May 2024. I believe I was missold the IVA and wasn't given the correct support whilst in it. I've put a compliant in regarding this. Was just wondering has anyone else here had any experience complaining about a missold IVA and if so what was the outcome?
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Sister buying buy now pay later goods under my name
I have had an account with an online shopping site for years but I haven't bought anything for ages. I now want to apply for a DRO and I have just found out that my sister has been buying goods on the account under my name but having them delivered to her house. She changed the email address so that she got the…
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Need IVA provider support - complicated case
Hello I have been working with a company for over 2 months re an IVA and I´m not confident in their abilities or understanding of my case and want to understand what I could do. My case they keep telling me is complicated but I´m quite shocked in the lack of understanding on basic financial things such as tax and RSUs I…
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DRO Question
Hello, I have an appointment with Citizens Advice on 4th February to apply for a DRO. I asked them what I should bring with me to the appointment and they said "any paperwork you think may be helpful" - any advice on what I should take with me? I was thinking: - Debt letters - Statement of affairs (though I did this on…
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Not sure which option...
Hi all, I need some unbiased 3rd party opinions. I'm £70k in Loan in and Credit Card debt. Asset free, and about to take on a council flat due to succession. I get paid £3k per month, and have fixed outgoings of £1.5k. This isn't enough to pay off the debts, so I reached out to StepChange who offered an IVA, or also as an…
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Miss sold iva
Hi everyone I entered into an iva about 4 years ago. I had my own business (butchers shop) from 2001 and for sixteen years it give me a reasonable living. But in 2018 the local bank and post office closed and my shop rapidly went down hill. I soon found my self struggling financially and mentally. Long story short I was…
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IVA advice please
Hello everyone, I am in £40k debt (loan and 2 cc). I earn enough to cover the repayments each month but only just and I am left with not much to live with. If I continue it would all be paid in five years. I'm a shared ownership homeowner (75% share). I live with my partner who owns his own place too which he rents out. We…
