-
Joining mine and my partners money whilst in an iva
Basically, I’m starting an Iva next month and we’ve worked out that if we join our money together we should be able to get through it all relatively okay. How will this affect my Iva? Will I need to pay more or is there ways around it. I was thinking of using my account to pay all the current bills but then having my left…
-
DRO questions
Hi, I recently applied for a DRO with money wellness and had my phone assessment yesterday. Some things came up which I wanted to check before I approve my application. I have settled/leave to remain status, will the DRO affect this? I am a EU national. The person I spoke to advised me to check. I recently received a grant…
-
Missold IVA
I entered an IVA in Jul 2021 and has voluntarily terminated it in May 2024. I believe I was missold the IVA and wasn't given the correct support whilst in it. I've put a compliant in regarding this. Was just wondering has anyone else here had any experience complaining about a missold IVA and if so what was the outcome?
-
Sister buying buy now pay later goods under my name
I have had an account with an online shopping site for years but I haven't bought anything for ages. I now want to apply for a DRO and I have just found out that my sister has been buying goods on the account under my name but having them delivered to her house. She changed the email address so that she got the…
-
Need IVA provider support - complicated case
Hello I have been working with a company for over 2 months re an IVA and I´m not confident in their abilities or understanding of my case and want to understand what I could do. My case they keep telling me is complicated but I´m quite shocked in the lack of understanding on basic financial things such as tax and RSUs I…
-
DRO Question
Hello, I have an appointment with Citizens Advice on 4th February to apply for a DRO. I asked them what I should bring with me to the appointment and they said "any paperwork you think may be helpful" - any advice on what I should take with me? I was thinking: - Debt letters - Statement of affairs (though I did this on…
-
Not sure which option...
Hi all, I need some unbiased 3rd party opinions. I'm £70k in Loan in and Credit Card debt. Asset free, and about to take on a council flat due to succession. I get paid £3k per month, and have fixed outgoings of £1.5k. This isn't enough to pay off the debts, so I reached out to StepChange who offered an IVA, or also as an…
-
Miss sold iva
Hi everyone I entered into an iva about 4 years ago. I had my own business (butchers shop) from 2001 and for sixteen years it give me a reasonable living. But in 2018 the local bank and post office closed and my shop rapidly went down hill. I soon found my self struggling financially and mentally. Long story short I was…
-
IVA advice please
Hello everyone, I am in £40k debt (loan and 2 cc). I earn enough to cover the repayments each month but only just and I am left with not much to live with. If I continue it would all be paid in five years. I'm a shared ownership homeowner (75% share). I live with my partner who owns his own place too which he rents out. We…
-
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…
