-
NPPV 2 Full security and DRO
Hiya, I think I’m going to have to take a DRO but I have police NPPV 2 full vetting and I’m worried that it will be revoked. My circumstances are that I have gone from a 2 income household to a 1 and I simply cannot make payments. I have spoken with National Debt line and this is their suggestion however I know I have to…
-
DRO and council tax
I have a DRO in place and my council tax bill of £448 was included in it. I spoken to the council and they said I still have to pay it because I didn't receive a reminder or a recovery notice for this bill before including it in the DRO. Is this correct?
-
Money wellness DRO
Morning, I am so glad I found this forum last night. I paid my fee Friday and I think my application was sent in. Now I'm just anxiously waiting to see if it's accepted. I went through money wellness my question is has anyone else used them and how long did it take? The waiting all weekend has been killer I know the…
-
Redudancy while in an IVA
I have been given notice of my redudancy of 12 week and an estimate figure payout of just over 5k. Im to understand that i can keep upto 6months of my pay to live off, if i was to claim benefits during this time while looking for work do i keep my benefits and the 6 months equivalent pay? Im new to all this so any info…
-
IVA or bankruptcy?
I've had an IVA for 3 years (out of 6). Always have loads of issues with the IVA company, very dodgy. Just asked for a break over Christmas and been told Christmas doesn't warrant a break, neither higher cost of life etc. Anyway, I have no assets or savings although my husband (we got married in 2020) has his name solely…
-
DRO and balances not up to date
Hi, I was just wondering if I could get some advice again with my DRO. I do have a debt that was missed off, that's not the issue here. Some of the balances weren't up to date and I had a statement today from one-Virgin Money. The DRO covers £293, the credit card statement was for £547. So I'm liable for whatever isn't…
-
DRO
Hi, I applied for a DRO in 2020 which was granted thankfully. On checking. I can see that several of my debts are still showing as open accounts and in default. As we are now in 2024 and the DRO was signed off in 2021 should these debts still be showing as open accounts and if not how do I go about Changing the information?
-
Approved Money Advisor - Scottish DAS
Hi I'm currently in a DAS and my Approved money advisor has emailed to say the company has been sold to a rival and i need to agree for the new company to become my new Approved Money advisor. I can refuse this. Seems straightforward if everything was to remain the same, but do i really need an Approved Money Advisor if my…
-
Default showing after IVA date
Please help in Nov 2018 I entered into an IVA, with a number of creditors including Santander. I completed in Nov 2023 and most defaults were removed except from 2 creditors, one which was my Santander account and credit card.I contacted the other creditor and they updated this immediately. Despite sending the completion…
-
IVA and Council Tax
I have no idea where to start, me and my fiancé moved in our first new house just before COVID first hit and due to COVID she lost her job and has struggled since to get one (currently she is only working part time as she cannot find a full time job which she doesn't have to drive to) I had some previous debt and then…
-
DRO missed a debt off
Hi, I had my DRO approved but a debt has been missed off. I have contacted the DRO unit to make them aware of this and, of course, I need to pay any debt that is not covered by the DRO. My question is, do I also have to contact The Official Receiver personally? If so, how do I find The Official Receiver for my DRO. Many…
-
My IVA company told a porky?
I am in an IVA at the moment, paying £174 pm for the next 5 years. I was approached by another auditing company saying they could probably get me a DRO. I am 71 yo, have several health issues , rent privately, and struggling. My debt is approx 18k and my IVA company said it was too big a debt for a DRO, but the government…
-
DRO concerns - expenditure query
Hello, I'm shortly about to apply for a DRO after Stepchange advised this was the best solution for me. I suffer from a variety of health conditions and am currently only working part-time, which has led me to being unable to afford to repay my debts in full (around 22K). Some of my expenditure will include paying for…
-
DRO and ballifs
Hi, I would like some advice please I applied for a DRO and was accepted on the 18th October for Breathing Space while the Order is set up Yesterday I received a home visit from a Ballif who left a letter detailing they want to collect goods and use them against the bill they have. They just left a letter with a mobile…
-
Help/Advice pre DRO
After hours of reading online, this forum & speaking to an adviser at CAB. I'm here asking for advice. After many years of juggling around credit card & loan payments I've slowly (through my own dumb fault) ended up falling further into debt I've finally hit the bottom.I have a gambling addiction and I think I've known…
-
IVA query
Hi guys New here , and feeling fairly scammed after having read a few posts about IVA 's , in August 2022 , I entered into a IVA with PayPlan , my total debt was 14000 , this included a CCJ for 4000 which was due to finish in 2024 and his now removed as been on file 6 years , I do not own a home I just rent , my car was…
-
IVA and Redunancy
Hi, My company has advised me that my job is at risk and I will be made redundant within 2 months. I'm expecting to be paid around £30.000 .I'm on a 5-years IVA agreement .I have 2 years left.My original debt was £37.000 and I pay monthly £410 that's £ 4920 annually.Can I offer £10.000 to the IP as a final pavement and…
-
DRO Concerns
Hi there, I wonder if you can advise on the below, I've accumulated about £2500 worth in debt through stupid loans etc over the space of 6 months. I suffer with schizophrenia and long story short i had some long term sick off work which led me down the rabbit hole of accumulating debt. I was offered a DRO as opposed to a…
-
Moved: Scam still ongoing!
This discussion has been moved.
-
Clear Start Accountants
I rang the Step Change charity for debt advice who said they couldn’t help me as I had a mortgage. They put me on to Clear Start Accountants who charge a fee to speak to creditors on your behalf (about £600 a year). After some breathing space I spoke to National debtline who helped me with speaking to my creditors in…
