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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…
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Nat West Bank
Hello I hope someone can help , I have entered a IVA for my personal debts and business debts !! All this was attached to Barclays Bank which i hold a business and personal accounts . I opened A Nat West Bank account on the understanding I couldn’t use my barclays account. I have opened a basic business account and…
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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…
