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Iva help please
Hi I've been in a iva 5 years but might after pay for another year if I cannot release equity. But my question is,is this removed from your credit file after six years
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When does your Experian report return to a decent stage
After starting the IVA in Sept 2013, I submitted a full and final offer July 2017 receiving my completion certificate in May 2018. My credit file has been cleared of all IVA details but my Experian score is showing at 999, which I believe it not good as it shows no financial experience. I have a credit card which I…
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Is it too late to back out of an IVA?
So I'm currently in £9000 worth of debt. I sought help through a company as my monthly repayments are very high and i wanted to reduce them. They suggested an IVA and this at the time sounded like the right idea. I said yes and they are currently arranging the paperwork to go through with it. Upon doing my online research…
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IVA Aperture Early Settlement
Hi Just wondering if anyone could help me. I am currently in an IVA with Aperture and i'm looking to settle this early. Overall i owe around £6500 and currently pay £127 per month, with around 50 monthly payments left. Does anyone have any experience of settling an IVA early with Aperture and if so can you please let me…
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Job change in IVA
Hi everyone, I’m currently in my second year of my IVA. I’ve recently been furloughed from my job in a pub due to Covid-19, I decided to take a job as a carer to help the community and give myself something to keep myself busy. I get paid weekly from the pub and my pay from the care home is 4 weekly, I’m due my first pay…
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Overpayment of student loan and DRO
Hi, I left uni at the start of my 2nd year - as I did not complete the year, the student loans company decided they had over-payed me and requested I paid the £1000 back immediately. As far as i'm aware, this is a separate balance to my actual student loan - and has been a creditor in my DMP for the past 2 years. However…
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Student Loan Payment Decrease - Will IP change monthly payment now or at Annual Review?
I have received my wage slip today and my student loan payment has gone down by £60. I had 2 student loans, 1 of each type, and 1 one of these was paid in full last month. I will let Stepchange know this via email but expect a delay in response at present and wondering if I will need to pay this extra into IVA now or will…
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DRO
I've been advised to apply for a dro but need to sell my car as it's worth a little more then a 1000 pounds, can I sell and stay as the registered keeper so I can drive the person to places they need to get to as they dont drive! I've been told I can and then told I cant from different people!! TIA
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Of sound mind!?
I entered into an IVA June 2018 after 6 months previously having spent 3 months in rehab due to alcohol related issues. I took early redundancy due to ill health in December 2019 and am looking to settle with Creditfix. My original debt was £21,288 and have paid circa £3k off this. The settlement figure is £26.5k which has…
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Dro
Hi I've been told different information so I'm confused on what is correct, i need to apply for a dro but have to sell my car as it's worth a little bit more than a 1000 pounds can i sell it but still be the registered keeper without it being an issue?? TIA
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Post IVA mortgage
Hi all I am now nearly 6 years post IVA - yay!! My commencement date was May 2012. I want to get a mortgage desperately. I'm in a better situation now and my husband has good credit. I have been sensible and checked all credit reports- which are all correct, defaults removed, all in good standing, credit cards used and…
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IVA wages payed into wrong account
Good evening, I started an iva which was approved on the 6th of March and have made my first payment on it but in February Barclays closed access to my bank online etc and sent s letter asking for debit card back etc due to knowing the IVa meeting was due to be held and approved etc in early March. Now my employer I told I…
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Money transferred to my old account which is part of an iva.
My friend accidentally transferred money to my old bank account which is part of an IVA. It is showing it has left his account, will it be automatically returned to him.
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Hi Iam in a iva how much money am I allowed to save
Hi my category not there. Iam in a iva how much money can I save in a year?.
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SOA help with DRO
Hi all, Long story short, I struggled with a gambling addiction for many years. As of today I am 225 days clean! :smile: As a result of my past I've racked up £12k in unsecured debts, which I've been paying £1 a month to each creditor for the past few years. But now I would like to arrange and apply for a DRO as I belive I…
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Dro questions
Hi, I have been reading these threads for quite a while now and I am hoping you can help me. I owe £15,800 across 4 credit cards, all this debt is due to gambling. I finally kicked the habit in April this year, haven't gambled since and more importantly I think I haven't wanted to. I look back over the years and think what…
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Self Employed IVA Annual Review
Hi, Looking for some advice. We are in an iva with payplan and we are both self employed. We have earned about £500 more than we estimated last year but realistically we need a certain amount of capital incase of a bad month etc so £500 isnt a great deal of money. Does anybody know how the annual review process works for…
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Northern Rock PPI Claim Post IVA - Declined
Looking for a bit of guidance please. I completed my IVA (in full) in Jan 2010, I had a loan with NR which formed part of that IVA. After about 18mths NRAM have now issued their reply into my claim for PPI:- "Conclusion" "On the basis of my
findings, I do not believe that it would be reasonable to decline your claim
for a…
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Renting with an IVA
I have recently seperated from my wife and moved out of the family home and back in with my parents. I've said that she and the kids can stay in the house so not to disrupt the kids in these already hard times and i will rent a somewhere. I went into an IVA in October 2019 to help sort our financial situation which she…
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BW Legal - The Money Shop
Hi all hoping for a bit of clarification! My partner has a debt which originated from The Money Shop and payday Uk. He is currently paying this back via BW Legal. I have since heard these companies no longer exist. My question is should he still be repaying this debt?? Where is the money going to?? i queried this with BW…
