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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
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What is an iva
I've been offered an iva to clear and manage my debts how does it work
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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…
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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…
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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 ?
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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…
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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.
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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…
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Insolvency page dro
What does it look like after the 12 month does it just say the end date and that it thank you
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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…
