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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…
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DRO preferential payment help
Hi so in around 2 months i will lose my only source of income (carers allowance), and i have roughly £7,800 in debt with 3 different credit card providers, i am currently making minimum payments to them all which leaves me with £25 leftover each month. I was looking at a DRO but i am concerned that i will not be eligible…
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How long before you can apply for another DRO?
I think my last DRO was in 2014 when is the earliest I can apply for another? What happens if you apply before the 6years is up?
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The end.......or is it?
Hi folks,i entered an iva 5 years ago with Gopher who then sold or transfered it to Knightsbridge who then sold or transfered it to Creditfix and i am now currently in talks with an equity company as per iva regarding a loan or remortgage to pay off creditors.I got a figure Creditfix are asking for from the equity company…
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PPI After IVA Completion
Hi all, We have completed our IVA and have our certificate and all debts are cleared. However, in the case of my wife we received a letter from a catalogue company and it seems back in the late 90’s she was paying PPI to the company. Something we all overlooked. She has been awarded £6000 which is great news. However, in…
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Is Universal Credit advanced payment included in DRO
Is a Universal Credit advanced payment included in the DRO? We have a joint UC claim so it a joint advanced payment? Doninjncluded full amount on DRO application, half the amount, or leave it out all together as is it a social loan? Thanks in advance
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IVA question
Hi All A few years back my wife and I entered an IVA with Debt Free Direct, it was hard but after 6 years we received our certificate for finishing it. But during that time I came into an inheritance which they took, it was a hefty amount of money as well. so like i mention we completed the IVA and I decided to use a…
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What's going on at Aperture?
Aperture IVA referrals We understand that Aperture IVA have written to agencies this week advising that they are no longer accepting IVA referrals. So what's that all about?
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Soa iva help
Hi we are in a bad spot Massive amount of debt, just nee abit of advice please. Household Information[/b] Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1385 Partners monthly…
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IVA and Marston Holdings ballifs
Hoping for some clarification and advice.. my husband and I are under a IVA (went into place last Wednesday) this morning a baliff attended our home insisting payment for a parking fine which we are sure is contained within the IVA. The ballif informed me he does not have to accept the IVA which we informed him this is not…
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DRO and paying off existing loan
Hi all, Thanks so much for the information I have gleamed from you all so far! I started talking about this plan on a different thread of mine but for the sake of keeping things separate I thought I would post here and see whether this is a viable plan. BACK-STORY - I have old debts going back 10 years and a current loan…
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DRO ended
Hello. Me and my husband had a DRO on both of our names for 6 years which ended in April this year. I was aware it would effect our credit for that period of time. However I am now trying to get a mortgage but the banks are saying because I have had a DRO I can't get one for two years or I need 15% deposit. My credit on…
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IVA and Correct Credit Marks
Hi, my IVA was approved Feb 2018. My IVA is with Aperture (not by choice as was with Swift). I am wanting to make an offer in full and final settlement. Apeture has advised the amount to offer. My 2nd charge lender has proposed to lend the amount required in principle, however for this to proceed to a formal offer which I…
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DRO Advice
Hello, I was self employed until a couple weeks ago. My GP has recommended that I stop work, start new medication & treatment,, and apply for PIP. They don't really see me returning to full time work at all. In the most optimistic circumstance, I may be able to gradually return to part time. This could be 6 months from…
