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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…
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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,…
