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My IVA breached
hello everyone I’m looking for some advice please 🙏 basically I’ve got myself into a mess with gambling addiction and ended up last month taking a loan out whilst in a Iva, don’t know how got one but … basically now I cannot afford my monthly payments and going forwards I owe family friends money and need money to live…
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DRO
I am eligible for a DRO but haven’t applied yet and not sure if I should anymore. Basically, upon understanding that I’m eligible for a DRO, I got ahead of myself and maxed out my credit and got new catalogues for christmas presents and myself. I didn’t think anything of it at the time but now it’s haunting me with the…
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DRO and Disconnected Utility
Hello, I'm currently awaiting an update to begin a DRO through Citizen's Advice, but I've had my hot water/heating switched off for a little over a month now. I only owe them a little over £1k, which seems like a low amount to be disconnected over, on top of that I'm living in social housing but that's arguably a different…
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EE Confusion
Hello, So I am in the run-up to a DRO and I know you have to treat all creditors equally (aka, dont pay them) - so I have a phone contract with EE which is exempt from that rule, right? Since it's a service contract But I also have a product with "EE Finance", would I still continue payments to this or would that be…
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Completed Iva & hmrc
I completed my Iva a few weeks ago and being self employed I have submitted my tax returns each year as required. I have today received a message from HMRC with 4 fines attached for late payment of taxes and it states to pay all the tax owed over the period of the Iva. Has anyone else experienced anything like this? Not…
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DRO personal injury compensation
Hi, I applied for a DRO Jan 24. I was in a car crash which wasn't my fault may 22. Today they have finally accepted liability and agreed on a compensation figure which is £8350. Can anyone advise if this will cause my DRO to be revoked? I have done multiple searches but wanted to get updated advice. I am disabled with two…
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DRO and mobile phone
I am in process of applying for a DRO. I have a mobile phone on contract but I have the phone plan and device plan with it. Will the device plan be put into my DRO? I am update with the payments. I don't want to lose my phone or my contact if I can help it.
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Issues with ZOPA with a DRO
Zopa are listed as one of my creditors. I have missed a payment and so they call. They call off a number that is listed as spam and when you answer, it's an automated voice that cuts off, then goes to a call centre, then cuts off again. So I blocked it. I emailed to let them know that they are in my DRO and attached the…
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Ending Iva
i ended my Iva in June and I still haven’t had confirmation please help any advise would be great full
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DRO Accepted but questions...
After meticulously going through my bank statements over the last month or so, and seeing the money coming in, and the money going out in terms of rent, council tax, bills, etc, I did the expenditure form with StepChange it left me in a negative. I applied for a DRO via StepChange/Money Wellness and was accepted today. I…
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DRO submitted
Hello, I signed the final version of my DRO application on Friday ready for submission. This was completed by someone at my local CAB office. I just wondered what else is sent with the application? i had obviously given them payslips/bank statements etc are those also sent to the insolvency people or was that just so she…
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Moved: Charge on property 21 years old
This discussion has been moved.
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Full and final IVA
Hi all, I have done a few posts on DMP’s and feel I now mostly understand them. Just now looking at other options. I will have a debt total of about £60000 unfortunately. Could I look at a full and final IVA straight away? A family member has indicated they would gift £18000 total if this cleared it with no monthly…
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IVA advice
Hi all, I’ve just set up an IVA with Payplan and made my first payment this month. I’m starting to worry that I may have done the wrong thing and perhaps looked into DROs instead. I did my budget with PayPlan - previously had a DMP via StepChange but this was going to take me 11+ years to repay. My total debt is £34k and…
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Applying for DRO but I’m very anxious
Hi everyone. I’m new here. I guess I’m just looking for reassurance. I qualify for a DRO. All my paperwork is pending until the 4th when my bank accounts switch. Once they’ve switched, the DRO paperwork will be sent off. I know realistically this is the best thing due to my circumstances. But, I just have this feeling that…
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Can you cancel benefits to fit within the DRO requirements?
If I worked full time and had a salary that fit within the DRO requirements but I also received Universal Credit and LCWRA. Meaning that it put me over the £75 disposable income limit. Would I be allowed to cancel my Universal Credit even though i was entitled to some benefits ? Would this be seen as fraudulent behaviour…
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New to iva
Hello all, I'm currently in the process of starting my iva, just looking for advice of people who have been in them for while, me and my wife are obviously to all this.
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Using credit card before a DRO
I am thinking of applying for DRO but I have used my credit card recently. I didn't realise that you weren't meant to. I don't know if I should go head with it now?
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How to work out income
I am thinking of applying for DRO. When I fill in income do I put the whole amount on my U/C claim. I am currently on a joint claim for U/C with my partner. I also give him £150 for his bills from the claim because obviously part of the money is his. How do I go about taking that money off? Neither one of us work at the…
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Accounts Default 4 months after dro ended
Is it normal that all my accounts included in dro are showing default with dro start date? Shouldnt they be showing as settled?
