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My IVA company told a porky?
I am in an IVA at the moment, paying £174 pm for the next 5 years. I was approached by another auditing company saying they could probably get me a DRO. I am 71 yo, have several health issues , rent privately, and struggling. My debt is approx 18k and my IVA company said it was too big a debt for a DRO, but the government…
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DRO concerns - expenditure query
Hello, I'm shortly about to apply for a DRO after Stepchange advised this was the best solution for me. I suffer from a variety of health conditions and am currently only working part-time, which has led me to being unable to afford to repay my debts in full (around 22K). Some of my expenditure will include paying for…
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DRO and ballifs
Hi, I would like some advice please I applied for a DRO and was accepted on the 18th October for Breathing Space while the Order is set up Yesterday I received a home visit from a Ballif who left a letter detailing they want to collect goods and use them against the bill they have. They just left a letter with a mobile…
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Help/Advice pre DRO
After hours of reading online, this forum & speaking to an adviser at CAB. I'm here asking for advice. After many years of juggling around credit card & loan payments I've slowly (through my own dumb fault) ended up falling further into debt I've finally hit the bottom.I have a gambling addiction and I think I've known…
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IVA query
Hi guys New here , and feeling fairly scammed after having read a few posts about IVA 's , in August 2022 , I entered into a IVA with PayPlan , my total debt was 14000 , this included a CCJ for 4000 which was due to finish in 2024 and his now removed as been on file 6 years , I do not own a home I just rent , my car was…
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IVA and Redunancy
Hi, My company has advised me that my job is at risk and I will be made redundant within 2 months. I'm expecting to be paid around £30.000 .I'm on a 5-years IVA agreement .I have 2 years left.My original debt was £37.000 and I pay monthly £410 that's £ 4920 annually.Can I offer £10.000 to the IP as a final pavement and…
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DRO Concerns
Hi there, I wonder if you can advise on the below, I've accumulated about £2500 worth in debt through stupid loans etc over the space of 6 months. I suffer with schizophrenia and long story short i had some long term sick off work which led me down the rabbit hole of accumulating debt. I was offered a DRO as opposed to a…
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Moved: Scam still ongoing!
This discussion has been moved.
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Clear Start Accountants
I rang the Step Change charity for debt advice who said they couldn’t help me as I had a mortgage. They put me on to Clear Start Accountants who charge a fee to speak to creditors on your behalf (about £600 a year). After some breathing space I spoke to National debtline who helped me with speaking to my creditors in…
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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…
