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ESA error arrears and DRO
Hi, I'm currently slap in the middle of my DRO 12 month period and this morning received a bulky letter and form from the DWP regarding a 9 month claim to ESA in 2012/13 stating that there could have been an error in me being paid cont based only. From what I can gather, this is something quite a few people have been…
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Aperture- urgent thoughts please
Hi everyone I sought advice from the debt support trust as they were on the list of Martin's recommended calls. An IVA has been established as the best debt assistance which I am happy with. She referred me to Aperture. What concerns me is the way Aperture are handling it. I feel like they run 100 miles an hour on the…
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Help ... I think I've been scammed
I have recently come to the end of my moratorium period on my DRO. I've got a credit builder credit card and my score is going up ... even though everything I read seems to indicate the score means b****r all. I also applied for this thing called Step Card. After giving them my bank details and my address etc I looked on…
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Is it worth it?
Hello all. So, I suffer with severe anxiety and mental health issues. I buried my head in the sand and ended up with a CCJ and 9 other debts. I have amassed debts worth £5838. I won't give too much story about my self away but, I feel in a position mentally that I want to take my debts seriously and sort them out, but I…
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Not it sure of best option
Hi, I have various debts of around 16k which many are from years ago (12 years)t I accumulated when my husband left and my business failed. I am now re married and my husband has a good salary but these debts are nothing to do with him. I work part time and have kids. What is the best way of sorting these debts out without…
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Credit file after dro
Hi, I'm new here. I'm hoping someone might be able to give me some advice. I was discharged from my Dro in July 2014. Most of the creditors that were included in my Dro have updated my account balance to zero and my accounts are showing as settled. However. I am still having problems with 3 different creditors who are…
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IVA & selling house
Hi, we are just waiting for our completion certificate - 6 years in IVA. We are looking to sell our house soon, would this be affected by the IVA even though it is finished?
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Additional Employment during IVA help.
Hello, My husband and I have recently entered into a joint IVA with Stepchange. All payments are coming from his salary. Due to ill health and family commitments, I have been unable to work for the past few years. I am hoping to be able to return to employment within the next 12 months. My question is, will I be permitted…
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IVA question
Hello... I am in process of possibly agreeing to an IVA, but the helping organisation also want proof of my wife's income. I am trying to do this on my own, as we have enough problems without me telling her I have debt.... Is it possible to have an IVA just individually, even though married? Any comments gratefully…
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Dro and a phone contract
So I'm on a phone contract that is swap 24 and I can swap my phone now for one that's the same price pretty much. £35 something I think the new one is. But I have got my appointment with my debt advisor to go through the dro next week. Would it be okay to get my phone contract out now? As I've got one atm anyway and…
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IVA advice - not sure if right option for me
Hi, I am looking for some impartial advice. I have debts totalling 25k mainly on credit cards which started while trying to grow my business and the interest charges meant I let it get out of control. I was keeping on top of the payments (some have been referred to debt management companies and interest frozen) until the…
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Iva finished
Hi I'm new to this I finished my iva in Oct 2017 got my certificate in Feb 2018 from aperture so woohoo on free of debt . The other day I received a letter from some company (first dispute)associated with aperture regarding outstanding ppi so binned it. Today I received a phone call chasing up this letter saying I had sign…
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Debt no longer with recovery company still covered by DRO?
Hi. I came out of my DRO this month but have realised one of the debts haven't been included. It is past the 12 month period FYI. Initially I had a debt with an energy company. Some of the debt was held with debt collection company and when it came to the DRO I listed £x with them and £y with the energy comps details. So…
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Iva Troubles
We are coming up to our 72 months for our iva to finish. The only problem is is that our iva credifix who we got transferred to 2 years ago are saying we owe another 12 months. My paper work states 72 months not 84 months which I agreed to due to owning a house. Can they really do this? Anyone else have any problems like…
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Dro with preferential payments
I am currently going through a DRO and my adviser has put down that I have a preferential payment which is to my mother. (Weekly payments to her as she had to purchase a fridge for us as our old one broke so it was essential) Advisor said that this can be refused which I am now worried that it will get refused. Also will…
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Sinking, is an IVA suitable?
[FONT="]I am in a real mess, close to 70k of debt on credit cards with a min repayment of approx. £1300 between them all. Being out of work due to severe disability, bereavements and some poor choices has led to this disappointing situation I am faced with. I have read about IVA's and feel it might be offer a solution…
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IVA's and CSA
Hello, I have recently entered into an IVA and they added a modification to my contract that I must claim CSA for my child. My ex does not agree that an IVA company can use csa as an income and is seeking legal advice. Are they allowed to do this legally? They want the equivalent of 50% of what I receive to be paid back to…
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Dro accepted but still getting hassled
I’m well into the first year, but still getting hassled by them. I had it is possible to sue if they keep on harassing you? What are the next steps please to start a lawsuit against them because they keep harassing me even after the dro has been approved? Can anybody recommend a good legal team?
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What happens if i inherit house?
I’m confused. If someone puts a house in my name after the 12 months do i still have to inform the the creditors? I read someone else said that their DRO ended in May last year and their grandfather passed away in October, he left them 15K and someone responded with Yes you do have to tell them. And another forum says it’s…
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DRO and overpayments
My dro was recently accepted 2 of the debts included in my Dro were overpayments. One for housing benefit and one for esa from Dwp. I’m just wondering what happens with them. I’m pretty sure both of these overpayment debts are getting repayed by deduction some of my current benefits.
