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Iva help please
Hi as anyone managed to remortgage or get a loan to pay towards your iva if so what interest rate was offered
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Advice please on iva
Hi I finished my 5 year iva in January the payments have stopped but aperture still not contacted me regarding equity release or loan my payments were 119 a month so taking a loan can not cost me more than 59.50 is this possible. I am 48 so probably 19 years before retirement and 11 years left on mortgage now would it be…
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Iva
Hi been with aperture 5 years did my last payment January. I own my home so how long do I after wait before they tell me I have to release equity or I will be doing a extra year been 8 weeks and not heard nothing
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dro moratorium period
So my DRO has been given the go ahead, I’ve had my copy of my DRO just reading all the bits and it says that the insolvency service can still revoke it after the moratorium period has passed? Just wondering if this has ever happened? Just hoping in 5 years time my baby (2) will have started school etc and I was hoping to…
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IVA finished but still PPI claims ongoing 7 years later
Ok so I need some advice I finished my IVA in 2013 , the original 5 year IVA plus another year due to property equity. Now since then I have had no confirmation the IVA is finished . They are claiming back my PPI payments , which is still ongoing 7 years after completing the original IVA I'm sick of it now, I'm not…
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DRO. Going Self Employed & Mortgages
I’ve been going back and forth on this idea for years now and in those years my finances have got so much more out of control so here I am asking for your honest advice on what you think my best options are please. I was making regular payments to all my debtors even though I was still accumulating more debt as I was…
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DRO and CAB
Have paid 90 fee for dro through the CAB, but they are saying 3 to 6 months for my application. Anyone had similar experiences?.
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Redundancy and debt
Hi. I'm in debt to the tune of around 20k. I expect to get around 11k redundancy. I'll have no income at all. Do I enter an iva and pay what I can monthly. Or do I try negotiate with creditors to see if they will take a lump sum each then write a percentage off? (not sure if they would do that). I am currently trying to…
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Dro wait time
Hi, so I finally got the paperwork I needed for a dro yesterday which included bank statement, wage slips, lost of creditors and sent this all to step change, I was wondering what is the normal wait time for StepChange to review all this paperwork and send out the barcode to me, thank you
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Supervisor Wants Equity Release
My wife and I are in a joint IVA that has less than 6 months to run ( 5 yrs) and at the time it was agreed it was explained that there would be a requirement to look at remortgaging towards the IVA cessation date, but they explained that it was highly unlikely that a lender would offer a loan/mortgage because of our age (…
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Debt Relief Order Help
Hi I mounted an unhealthy level of debt what is £11,000 mainly through bad financial decisions by using catalogues and several credit cards. It’s now got to the point where it is virtually impossible with my income and expenditure to cut back anymore and be able to pay off this level of debt. I know I have been stupid and…
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Looks like an IVA each, really nervous about how to proceed
Not so much nervous about the procedure around the IVA itself, but about the fact that we need to pay for a bunch of stuff now and across the next 9 months; and what happens after that. We've been teetering on the edge a bit for a while, paying down then having to spend again, but the discovery that we're expecting again…
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I've via email/text
Does anyone know of any companies that you can deal with via email or text for an iva? I'm not great on the phone so doing it this way would be a weight off with my anxiety
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DRO and change of name
Hiya I've got a quick question I've changed my name by deed poll, I've informed the IS and they've changed my details on the Insolvency service register. Will the IS notify my creditors as they did to advise of the DRO or is that something I need to do, or do I need to do it at all, due the debts being frozen and written…
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Ppi claim
Hi. I claimed for ppi after my iva finished 6 years ago. I won but they are paying to my iva. I still have the fees to pay. How do I get them deducted from the payment?
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DRO rejection
Hi, I have got myself into a complete panic! We have applied for a DRO through StepChange. I have admitted we payed one debtor but not others, so preferential treatment, the only reason for this was we had enforcement agents hounding us and they are scary and just don’t give up! So made a payment arrangement with them…
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I feel like I've been mugged off.
Ok, forgive me if this post seems more from the heart than the head. It'll be as brief, yet as concise, as I can as I do waffle on when I get going. In 2014, the wife and I entered into an IVA. We (collectively) owed just over £20k. We signed the paper work which included our mortgaged property to be taken into…
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IVA help wanted asap please!
Hi all I'm currently into a two year DMP with PayPlan and it's simply not working. I am paying up to £300 a month and I feel the balance just isn't going down at all and still have several more years to pay it off. I looked for help and was offered an IVA. However, I have been having some doubts. My car is worth around…
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Obtaining car finance while in an IVA
I am currently into my 4th year of an IVA and don't currently have a car due to being unable to obtain any sort of finance for one. Any suggestions on how to get some sort of finance whilst in an IVA?
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Iva / citizens advise
Hi, I currently have an iva with step change but my son has just left school and this going to have a massive impact on my payments as my income has reduced with a job change also, but now I've no idea how much impact it will gave on child benifit and tax credits. I would like to try to remortgage to a better rate and…
