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in an IVA, PPI refund received but wan to pay off family and friends
Hi My friend is in an IVA, she received several PPI refunds recently, which she wants to use to pay off family and friends. She did mention these personal debts during the IVA application but the family and friends decided to exempt from paying it back. They have recently asked for it back and she's been holding it off.…
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CCJ from 2013 still coming after me despite going bankrupt!
Hi, in 2015 I went bankrupt. Everything went fine. I've checked my credit report for the first time since then and seem a CCJ on my record starting one month after I went bankrupt. The actual debt was from 2013 and relatively small (£315) How were they allowed to do this? Should my Bankruptcy not have forbidden them from…
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Facing upto debt
I am new to this forum malarkey. I finally came clean to the man I love (and was going to marry in two months), my financial situation and how bad it was. Needless to say he's cancelled the wedding and is very very hurt that i didnt share this with him in the beginning of our relationship. I dont blame him at all. I am…
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Restriction on Property
Our IVA ended in 2017 we received completion certificate. We are remortgaging to a different lender and we just received a letter from the bank solicitor saying there is a restriction registered against property in 2012 by Grant Thornton. Should this of been removed?
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IVA completed - are we still liable?
My husband and I were in an IVA and received a certificate of completion in December 2015; the administrator has now written to us stating that if we receive any PPI reimbursement we are legally bound to hand it over to them to pay into the IVA. I would like some assurance that this is misguided as all of our creditors…
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Failing iva and outcome
I have been in an iva for 2 yrs this Sept with a debt of £23,000. I have missed several payments and i am about to miss another one due to financial problems. I know this time they will fail me as they keep threatening to do so and i cant make up the payments. In the 2 yrs no money has gone towards my creditors as they…
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Credit file after DRO
Hi all My DRO completed in March this year, I saw on another thread that Sourcrates mentioned cleaning up the credit file. What does that mean? And how do I do it?
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About to start a DRO.. mobile phone
Good day all, I am about to start a DRO would I be able to get a new mobile phone contract before the DRO as my £30pcm contract ends next week,? Thanks Rich
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Old IVA help
Hi All, Hopefully someone on here may be able to advise me what to do about the following. I went through a full and final IVA in 2007 with Clear Start UK Ltd. I moved shortly after and have never received a completion certificate. Stupidly, I thought that as it was a full and final IVA that that was that and all I had to…
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After an IVA
Just wondering if anyone has any information/advice as to what happens after an IVA? What will my credit score look like, how can I get it back up, etc?
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Iva & ppi
Hi everyone im just looking for some advice please. My other half had an IVA about 12 years ago or so he paid it for a year or 2 maybe then he moved over to live in germany with his family in the army. He stopped paying it as he thought he would be out there forever, he moved back to the UK about 9 years ago and hasn't…
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Dro
Hi me and my wife are currently lookin into a Dro each Just need a bit of advice guys my debts in my name loans credit etc come to 8700 Wifes debts around 6k But we have also a joined loan together of 17000 Our housing situation is private rented. Just wondering is a dro possible as we shared debts Thank u guys
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Mortgage following repossession & bankruptcy
Hi Can anyone recommend any decent lenders who offer mortgages to people who have previously had a property repossessed? Me and my partner are looking to move in together I already have a house with approx £60k equity and clear credit file however he has a house repossessed back in 2004 and was discharged from his…
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IVA not registered on insolvency register
Hello everyone! I entered into an IVA last October, and have been paying regularly and in time since. I recently looked at my credit files which showed defaults on accounts included in the IVA, but with the defaults starting as recently as February this year (obviously these should have been before or on the IVA start…
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DRO and budget for vaping (medical advice)
I have a friend who is the position of applying for a DRO. The adviser considers she is eligible, but has flagged up a couple of issues with her "outgoings", which in my opinion are reasonable objections (she still qualifies even if they were removed). One expense is for vaping, which I would have regarded would be treated…
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DRO and CCJ
Hi all. I have a DRO and CCJ for the same thing. I had a DRO done and then a bank (which I will not say) had a CCJ made on the same day as my DRO was past. I was left with my 2 very young girls and therefore had to stop work for a couple of years. I had a car on finance and couldn't pay because of this situation. I spoke…
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Will old DRO affect mortgage application?
If a DRO is about 5 years old, would it better to wait the full 6yrs for it to be dropped off credit file before applying for mortgage ?
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Lost completion certificate
My husband completed his IVA in 2017 He has lost the completion certificate and now he is being contacted by Link in regard to Saga credit card debt which was included in the IVA. My husband cannot speak on the phone due to having had a total laryngectomy . I emailed to tell them in was in the IVA and they asked for a copy…
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After an iva
I have finished my iva in April and have the paperwork off the company to say. After the iva had finished I applied to a bank for ppi and was told that I had some money owed. These were on two accounts way before the iva had started. I have been told by the bank that the iva company have taken the money. Is this…
