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Banks....
hi lovely lovely people I need to change my bank as my current bank has now gone into a DRO.. I tried Monzo but then discovered they are connected to NatWest (my bank in the dro) anyway I tried Santander can’t see any links to NatWest.... or am I wrong😩🙈😳 tia kaz
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Moving country- act now or delay
Myself and husband are seriously in the s*** and we are about 2/3 months off completely broke and being unable to pay all debtors (approx £60k owed). We are moving from England to Scotland to be nearer family In Feb, but not sure if we should start the IVA process here in England before we go or wait until we are in…
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IVA and Christmas Bonus - Please help
Hi all. I had a reply back from my IP with regards to the extra payment I have to make from my Christmas bonus I received from work. The breakdown of my monthly wages are as follows: Before tax: £1413.36 + £250(bonus) = £1663.36 After tax, NI and pension (£298.42) = £1364.94 My IP says an additional payment based on that…
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Payday loan review
Hiya Just after some advice if possible, i have received quite a bit of correspondence from one of my creditors, asking for an income declaration form to be filled in, over 10 years and loans i have had previously. I have spoken with stepchange to see if i have legally got to fill this in or if i can ignore, and they said…
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Had dro trying to do credit clean up
and this is what they said and trying to lump me with the debt again after reading it and having time its made me angry @sourcrates @fatbelly what you both think time to complain to the ico
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Hi there I have a few questions
Hi there everyone I’ve been reading these posts for a few weeks as I’ve been going through the process of a DRO which has finally been put together by Pay Plan, they have been absolutely amazing all the way through they helped me with my anxiety and always put my mind at rest when I had queries. I have paid the £90 so I…
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IVA and work bonus
Hi all. Been a while since I've posted anything IVA related as all seems to be going smoothly as I'm now 2 years or so in to it. Anyway, with what's been going on with the coronavirus my boss has made lots of money as she owns a shop which was allowed to stay open throughout and decided to give everyone a £250 bonus last…
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DRO and closed paypal / credit accounts
I'm looking to apply for a DRO. I have a paypal credit account with items I bought for just under £1000 in the last year or so, mostly presents to relatives and clothing. To simplify things I thought about closing the account. Will the official receiver be alerted in any way of the closure? or will he normally check for a…
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DRO and closed bank accounts
I am looking to apply for a DRO, I have a main bank account and a second one I made deposits with money I got from my family helping me while sick and unemployed. As I had this sent via Western Union and keep no proof, I realise it may raise suspicion with the official receiver. To simplify things I thought of closing down…
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Debt Relief Group?
Has anyone used the ‘Debt Relief Group’ for help with an IVA? My Adult son is in the process of going with them but he can be quite vulnerable and I’d really like to check them out first (but can’t find much out online about them). Any help would be gratefully appreciated. Beth
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Considering entering an IVA
Hi Guys I'm looking for a little advice, I seriously considering entering into an IVA to take control of my debt. But wanted a little advice 1st, I have a car that was bought for me a couple of months ago by a family member, the car is still in my family members name, and she is legal owner of the vehicle, however I pay…
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Public Liability
Hi all ive just joined here and need some help please. I’m coming to he end of my first year of 5 in an IVA and my Public Liability has run out, I’m a tree surgeon - sole trader but no companies I’ve asked will insure me, can anyone direct me to a company that might? Many thanks Dan👍🎄
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DRO and Bailiffs
Hi, I've got my self into a right mess and require some advice, please. I need to apply for a DRO and due to my mental health, I have not been able to do so. today I received a letter 'notice of issue of warrant of control'. I have until the 3rd if December to pay this, if I don't they will send the bailiffs round. I need…
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Starling bank
Hi I'm currently in the stages of having to do an IVA...It seemed the best option for me. I have a starling bank account with no debt attached to it, which is in credit. Does anyone know if starling will automatically close this once an IVA is registered on my credit file?
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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…
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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…
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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…
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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…
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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…
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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
