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DRO pending and telling council
Hi, Newbie here! Looking for much needed advise. Long story short i owe the council £972 for unpaid council tax from last yr. I was happily paying them £75pcm after it was sent to court, unfortunately i managed to miss a payment, so off it went to ‘CollectServices’ and they have been knocking and now the debt is £1252!!…
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Not quite 6 years since last DRO
Its not quite been 6 years since my last DRO was started. Can I start the ball rolling now, or is it even possible to apply before the 6 year anniversary? Who checks?
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Aperture iva anyone?
Hiya Is anyone with aperture for their IVA I am 9 months into mine and have recently been transferred to aperture from swift Has anyone been through the iva annual review yet with aperture? I'm feeling anxious😒 Any info would be greatly appreciated Thanks
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Rent Arrears and DRO
Hi All, Will including my rent arrears in a DRO lead to me being evicted? I have a payment plan in place to clear these arrears but obviously do not want to lose my flat if a housing association end up evicting me. I have emailed the housing association so will see what they say but wondered if anyone had dealt with this…
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IVA practitioner complaint and advice needed.
I have posted before about this, however I have developments. Basically, we completed our IVA. We have certs, all debts are settled and case closed. Then we applied for and got more PPI AFTER we had our certs and everything closed, however the PPI company (Creditfix) said they were "interested" in the PPI money, it went to…
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DRO and debts from abroad
Finally I am on DRO from June (2 months now) and everything is fine with my UK debs - no calls, emails or stress about it. But I included some debts from abroad and still have emails and calls from them. My questions what I have to write to ask some proof i am on DRO? when I filled my application i have contacts etc, but…
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Advice needed on iva
Hi. I'm new to this so please bare with me. 7 years ago I entered into an iva. The iva company at the time was Grant Thornton. When it started it was explained that the iva would be over 6 years instead of 5. At the request of my mortgage company. I paid regularly every month. It was also explained that 6 months from the…
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Is DRO for me?
I have a total of £7500 debt. One loan, two credit cards plus £500 on my next account. I am employed part time. My wages do not cover my debts and currently parents are helping to pay my monthly payments. My partner currently pays some of the house bills due to my debt the house and car are in his name. I am left with no…
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IVA help
I am owed over £17,000 by someone and have a CCJ against them for this, which the court bailiffs have been trying to recover. Today I got a letter regarding an IVA offer showing they owe other debts too, totaling over £31,000. It says the proposed repayment is £114 or £6840 over 60 months. It also shows Nominees Fees of…
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Moving whilst in an IVA
Hi all Been in my IVA for around six months now, and all is going smoothly. However:- I was recently informed my landlord is wanting to sell his house, not sure when, but he wants too. So, rather than wait to be served notice to quit, I have been trying to find somewhere new with my partner, and the only decent house is a…
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Dro submitted
My DRO has been submitted on 29th July by Step Change can anyone advise me how long it is taking at the moment for it to be approved. Have been told by StepChange I should hear back in about 10 days but have seen on hear that it can be quicker. Just want the stress to be over.
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Advice on IVA
I have an iva that is completed and I'm just wondering if I need to declare this when trying to rent?
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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?
