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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%…
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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…
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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
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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…
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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…
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DRO & Ltd Company
Hi All, Currently looking at entering a DRO. (Have CC debts of around £17k). However I've received some confusing information from StepChange. In short, I'm the Director of my own LTD company. Business is in the arts so suffered horrifically because of Corona, and income has dropped to nothing. I have hopes in the coming…
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IVA and joint mortgage
Hi I’m hoping someone can help me. I’m in around £50,000 worth of debt. A Lot from when I had a business which has failed. I’m thinking an IVA is the answer however....please don’t judge me.....my husband does not know how much debt I’m in. I don’t want him to know about the IVA but we have a joint mortgage which we’ve…
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DRO & mobile contract?
So looking to send my documents into step change for DRO and then pay the fee. I have a EE mobile contract and have never had late payments and always up to date, Will i be able to keep this? Thanks :)
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IVA Approved! My Journey.
Hello All, I thought it would be a good idea to post my experience of the IVA process as when I was searching for information if was very limited or outdated. It came to realisation in May 2020 that I was in a pickle, I had lived beyond my means since I got my first credit card at 18. By the time I finished my studies and…
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Iva and pension
I looking into taking 0 out an IVA, my question is will this effect my husbands pension and Army pay out ? He will have completed his 22 years service 6 months before my Iva is finished and he will be given a lump sum payout as well as being able to claim his army pension. The Iva will be solely mine but will my husband be…
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IVA and Old joint account
Hi, Firstly sorry for my english. I want ask for advice, me and my wife was using joint account. Now I'm in IVA last 3 months. That join account was affected to IVA for overdraft. And there is problem, bank account is on my side part of IVA but my wife didn't have IVA. So bank can want from her to pay this overdraft. When…
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Completed IVA - Now receiving debt letters
Hi, I need some advice. I had an IVR from 2007 - 2012, it was successfully completed. Today I've had 2 letters from a debt agency saying that they have bought my debt and they are now seeking payment. I called them to find out more information and the debt is from 2 credit cards, which were part of the IVA. I've told…
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IVA want to pay off more - help!
I set up an IVA in December 2018, for around £6000. Ive got around £4000 left. My financial circumstances have changed significantly since, in that at the time of the IVA being set up I was a student. Now, I earn lots more a month since qualifying in my role. I contacted Aperture to inform them of this change a few months…
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IVA Annual Review Problem
I have had my IVA for 2 years now but this is our first annual review. A new company took over and they are trying to bully me on the phone. I have asked them to put everything in writing and email only as I get confused on the phone. I was paying £122 a month for 2 years now but they have looked at the figures I have sent…
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Aperture ... Help !!
We have been on our IVA since Dec 2013 ... started with Debt Free Direct ... who were then taken over by Aperture ... and now we have been told they have been taken over by a company called Jarvis Insolvency ... this was originally 6 years ..aperture said it was 7 ... none of the PPI I have found have been followed up by…
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Changing jobs on Iva
Hi , I have been made redundant whilst on IVA. been offered a job as delivery driver only it’s self employed, would that have any affect one the IVA and do I need to let my IP know ?? cheers
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IVA
Can I get credit if I have a IVA?
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Help! Chased by creditors included in DRO
Hi all, A bit stuck and keen for some advice. My husband took out a DRO in 2017 with Stepchange completing the application. This was discharged in 2018. Since then one of the creditors has continued to send letters demanding repayment. Often receiving 8 demands per month. They have refused to accept they were part of the…
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Default Account
Can anyone help please? I had an IVA which was settled in Sept 2016 But one of the accounts still shows as a default with a balance. The original account was with Everline who were bought out by Ezbob. I believe the parent company is Orange Money & I have written to them at St John St in London but the letter came back.…
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Credit Card details disappeared after DRO notification
As the title says, I checked my bank account this morning and the credit card (Lloyds Bank) which was part of my DRO has disappeared off of my account. Is this normal? I don't have access to it at all, it's gone! Is this part of the DRO process? Is this normal if a card is 'frozen'? My DRO was accepted a couple of days…
