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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…
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Do you have to inform official receiver that you've resigned from your job? (DRO)
I know you have to inform about changes in circumstances which increase your income or assets, but is this something I have to inform them of seeing as I'll be worse off temporarily? My DRO was approved earlier in the month. The reason is due to health, potential constructive dismissal, and breaking of covid rules (as…
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IVA vs BR Costs that affect the creditors
Hi, I am currently looking at my options and have spoken with step change already. Despite them being very helpful, I felt a little bit pressured into making a decision which surprised me having read all the good things about them. Anyway, nothing major, just a note. I am happy that an IVA would be more beneficial than BR…
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Iva acceptance
My IVA as been approved, it was £276 originally but My IP is now telling me that the info they got is different to the creditors so it’s going to be £417. My IP said to me they can bring it down with a 15% discretionary drop to £355 per month. Can anyone advise on this 🤔 !!
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Will executor
Can someone in a IVA be a executor in a Will?
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Thank you
Evening all I just want to say a massive thank you to each and every one if you that has helped calm me down after a long winded process, my DRO has been granted, i feel a huge weight has beem lifted, and can't actually believe i can almost start my life again. Thank you thank 😁
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Charge on property
Hi In need of advice/help My dad recently underwent a kidney transplant so his health is far from great. I’m trying best I can to understand his finances and importantly what is owed on his property. During our conversations he mentioned an IVA but also having tried and failed to get the charge on the property removed. Any…
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DRO History Checks
Hello, Can anybody tell me how far the checks go regarding the past 2 year history of repaying creditors? I'm about to apply for a DRO but Im worrying I will get rejected on the basis that over 18 months ago I was temporarily repaying a family member £50/month (it was a loan to fix my car) and I declared this on my…
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Charging order
My late father had a charging order placed on the house - land registry shows this was in favour of Arrow Global. Numerous emails and conversations later and I’m no where near having this order removed. Arrow’s last email said the debt was sold to Pamplona and need to contact them. Sick of getting passed pillar to post -…
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Will be boyfriend get through referencing..?
He has had an IVA for two years now, never missed a payment, always paid rent on time at his place etc We'd love him to move in to my flat - the landlord is happy with this but the letting agent is running a reference on him. We're really worried that his IVA will ruin his chances. The letting agent has put him down for…
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Help with debt in Scotland
Hello i live in Scotland and have about £22k of debt. Basically four years ago I had a breakdown and went mad on my credit cards even to the point where I wasn’t buying things but just donating to just giving. I start university this autumn and will have tuition fees to pay direct to the university every month and whilst I…
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54th month in iva
I got a phone call from the iva practitioners in the 56th month stating I had to pay another 12 months onto my iva. Are they in breach of their contract by not advising in the 54th month?
