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IVA full and final settlement & queries
Hello, I am currently on an IVA, and have been for 2.5 years. I have a further 10k to pay off to settle the IVA and I am planning on offering them 5/6k that is being gifted by my partner. Upon looking at my credit check on Experian and ClearScore, neither of them show the main creditor as a listed account either 'closed…
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Halifax DIP
Hi everyone, thanks to the great advice on these boards over the last few days I bit the bullet and today my broker got us a DIP with Halifax. Halifax ask if you have been made bankrupt in the past six years, we were made bankrupt in 2013 so seven years so we answered no. But now I’m nervous that the bankruptcy will come…
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IVA offer for partial & Final Accepted - What now?
Hi, I have finalised my IVA with a final offer payment and have received the confirmation letter and certificate from my IVA company. I understand that the IVA will remain on my credit file until the 6 year after I took it out but how do I get all the associated creditor accounts to be marked as settled and closed? I…
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Family buying a home in my name and IVA - please help
Hi, I’m new to the site so unsure as to where to post, however I’m looking for some advice. I'm in the final 12 months of my IVA and have separated from my husband which has left me with nowhere to live. A close relative has said they would buy a property, in my name, which I will pay rent on at the current market rate.…
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IVA and ebay
Hello! I have just begun the IVA process and submitted my documents. Next stop meeting of creditors. My question is that I occasionally sell things I no longer need on eBay. Very little actually profit is made, just selling things I no longer need. I withdraw the cash into my basic current account and use for other things-…
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Coming to the end of an Aperture IVA
Hi, my husband completed his 5 year IVA with Aperture in April, they’ve told him it will take him 6 months to process the ‘closure’, they said they would be contacting all the interested parties to get confirmation they’re happy to close the IVA. That was a recorded message he got when he called them to check what needed…
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Ex has IVA but we have joint mortgage
I have been divorced for 10 years and solely responsible for the mortgage in that time . My ex refused to agree To any financial settlement but has finally agreed to sign house over if I don’t claim on his pension . Before I could arrange remortgage I have found out he has an IVA. As we still have joint mortgage will he be…
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Payplan
Hi I seem to be having a problem with payplan recently they put up my payment well double it which I can afford.gone Through the budget change it and we have £150 left but the payment is £250. They say this is my affordable and It ain't. Can I change to another IVA provider has I can't they seem not to understand.im at…
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Review
Hi I have an iva review coming up and they have asked for 3months of bank statements. With covid 19 and not being able to go out day to day and spend. Plus a mortgage break 3months I took and some financial present s for a birthday. My account is healthy and I'm getting back on my feet. Obviously they will see my account…
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IVA modification question
Hi, When my IVA was agreed a modification was entered by the creditors which I agreed to. The modification was: "The debtor must seek to obtain Child Maintenance payments from his ex partner. 60% of any monies being received as a result of this must be introduced into the Arrangement for the benefit of creditors." I had to…
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DMP or IVA
Hi,I am trying to resolve my debits. Following talks with Stepchange I was recommended to go for a Debit Management Plan which would take around 8 years to pay off my loan and credit card debits. Today after another call with Stepchange they suggested that IVA would perhaps be better as it is legally binding and would be…
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Termination of IVA
I have come into some money and want to bring this arrangement to and end. Creditfix have given me the option of terminating the IVA and dealing with the Creitors myself. They say that the creditors may backdate the interest that had been frozen. My credit rating will be affected though doesn’t worry me. The total charge 3…
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IVA due to covid on verge of cancellation
Hi, im at my wits end with this debt. I left a past relationship and ended up with all the debt. I owed a total of around 14k to 4 or 5 credit cards and loans. No mortgage etc. I was paying £143 into my iva and have kept up with payments for 2 years as im self employed... then covid strikes. Ive been out of work since…
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Severance Pay & IVA
Hello, Just looking for some advice before I contact my IVA company. I have 21 months left on my IVA and I've just showed interest in Voluntary Redundancy as I work in aviation and it's a case of take this opportunity or there's a risk of being pushed. Plus I have had an interview and been given a place at a local college…
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Debt Free Direct Ltd IVA and Aperture IVA
Hi there! Wondering if anyone else has experienced anything similar to this?? I have received a letter from Aperture IVA regarding an IVA I had a couple of years ago with Debt Free Direct Limited, which must have been finalised a good 5 or 6 years ago. They acquired DFD in Sept 2017 and apparently after reviewing all of…
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Can I get a mortgage after my IVA
I took out an IVA in Jan 2015, I paid off the IVA in April 2017. I believe this will no longer be on my credit file come Jan 21? 6 years I'm desperate to get a mortgage so my ex doesn't sell my home, I've been told the lending market will open up to me after the 6 years (Jan 21) and I won't pay a premium for borrowing. Is…
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Mortgage and DRO
Hi, I was discharged from a DRO order in October 2015, due to drop off my credit report October 2021. My partner and I have started to discuss buying a house in the near future. We are both 30 this year and are keen to buy and feel a bit more settled. We have a £40000 deposit and are looking at houses in the £150000-160000…
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"I have no history of bad debt"
Due to some ill-advised decisions and a small problem with impulse control, I got myself into a fair amount of debt and rather deep hole in my youth. Thanks to the help of this board, I entered into an IVA in 2000 and completed the IVA in 2007. I left the country to work abroad in 2011 and I am looking to return to the UK…
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Emergrating and iva
Is it possible to emergrate to Australia with an iva? It would be with a new partner and I hope to offer a settlement figure from selling my property prior to moving /applying but how does this affect a visa application etc?
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Moved: IVA High Rate mortgage. Remortgage
This discussion has been moved.
