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IVA's and a joint bank account
Looking for some advice! Hi I am looking for some advice as Barclays are constantly contacting me about a joint bank account I held with my former husband.My IVA completed in February and I was told to contact the various credit agencies who held details about me, which I have done.I also contacted Barclays about this…
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Self Employed DRO
Hi I've been reading the forum for a few months, but this is the first time I have posted. I did just type out a post and thought I had submitted it, but it's showing that I've not posted at all, so I'm assuming I did something wrong. To cut a long story short, after losing my job (contract ending and company not doing…
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Asking for equity out of Parents home 18 months after IVA....
Hello Guys, a round 8 years ago for various reasons, my Mum and Dad were in a sticky situation financially and Entered an IVA with Debt Free Direct. The Total debt was around £50k I believe, and they came up with a payment plan that worked out at £500 for 60 months, thus paying around £30k back. They are now in their 60s,…
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Claiming tax refund mobile worker
Hi I’m work from a van as an employee and never attend a fixed place of work just 4-5 properties a day then back home, I’ve been approached by a swift tax return company who tells me because I work from a van I can claim a tax break for food on the go and for washing my uniform ect, I’ve looked online and I think I’ll ring…
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Completed IVA
Hi I completed my IVA 18 months ago :) . Started Feb 2012. I have my completion certificate etc. During the IVA a creditor sold my debt to Lowell Portfolio 1, this account is still showing on Credit Karma as a £1 balance but no defaults, all green ticks. On Experian it is showing a £0 balance default date 12 April 2014…
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Notifications to Creditors while the virus restrictions apply
Just had this from the Official Receiver NOTIFICATIONS TO CREDITORS: Around 80% of creditors receive notification of a DRO by e-mail and while our office is closed there is no change to the process for inputting creditor details in the application please continue as usual. Creditors who are not normally notified by e-mail…
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ESA severe disability premium
Hi everyone, looking for advice/ maybe reassurance. I’m about 8/9 months into a DRO. I have been awarded PIP which I know doesn’t count towards the DRO. But with this I am also entitled to the severe disability premium on my ESA, plus the back pay. Does the back pay approx £4000, and/or the weekly increase of £65 affect my…
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PayPal
Hi all, hope someone can help here. I got made redundant a few months ago and my debts started to spiral, I was left with no option but to apply for a DRO which was granted. One of the debts was my PayPal account for just under 2 thousand pounds which was included in the DRO. PayPal still continued to contact me even after…
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Can DRO check where I work?
Hi, I wanted to k ow what they can check during the momentary period? what they have access too - can they see how much I’m paid? how often do they check during the 12 months?
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DRO and sim only contracts
Hi I'm 2 months into a DRO and my sim only plan is coming to an end, I've been paying £20 for sim only, and £25 for a sim free phone, both are coming to an end, I can upgrade to a full contract with o2 with the o2 refresh the phone part would be £480, but the monthly payment £40 so £5 less than i'm paying now. There's…
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Husbands details on my IVA application
Just filling in my income and expenditure for IVA application. It asks for my husband’s income, which is fair enough. However when I come to enter mobile phone costs etc surely I should total the both of our contracts if I’m taking his income as joint. Is this correct? Or alternatively do I leave his income off and split…
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Claiming money (tenancy deposit back) from someone into IVA / court fine
Hello, I am about to start a procedure to sue someone to court because he hasn't refunded my deposit after I rented a room from him. This person has entered into an IVA scheme in August 2019 (after I left his place in May 2019 so after I was owed the money), but did not add me as a creditor. I am looking to sue him in…
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Is bankruptcy the right way for me
Hello. I've got debts of around £9000 left by my ex husband. I have agreements with all the lenders to pay £1 per month. I'm never going to clear them and I'm concerned if anything happens to me, my daughter is left to pay them. Have been considering bankruptcy for some time as I really would like to be free of "his' debt.
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IVA& mortgage possibilties- advice
Hi, Trying to condense the back story - but I'm hoping someone could share some advice with me. I entered an IVA around 4 months ago, my debt was spiraling, and it was at about 16k in the black with no way to clear it. And the only real options open to me were IVA or bankruptcy, and at the time it helped me a great deal,…
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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…
