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DRO and credit file?
Hi, I'm coming to the end of a DRO and I'm panicking. I'm attempting to pay off my small debt as I may now be able to do so, but I'm unsure of how long this will stay on my credit file. I've heard it will stay on file regardless of if it's all paid off before the moratum period ends, does anyone know if this is true? At…
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IP supervisor suddenly enforcing guidlines 4yrs into IVA
I'm 14 months away from the end of my IVA. I've had a payrise, so as expected, it's been taken into consideration at my recent annual review. The issue is that the Supervisor of the IVA is quoting for the first time during my IVA "StepChange budget/guidelines", because a few items in my I&E have exceeded them (not by much,…
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Is SF loan classed as income?
Im a first year student. Single. I have 17k of debt. I work full time bank at the hospital. I can work 0hrs or 60hrs a week. This year i had to pay student fees so used my maintenance loan to pay the fees and worked full time. Im concidering an IVA. However i cant find out if my student loan would be taken into…
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Paying fees on fees
I recently completed my iva in full after only one year because of a large inheritance payment. When my completion certificate arrived in the post there was a copy of the invoice and I was shocked to find that the supervisors fee was calculated on the entire realization including the iva companies fees so as I see it I am…
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IVA and money from wife
Hi, I've just submitted for an iva but have a question. A lot of my debt is from gambling and investing, of which my wife gave me a considerable amount of money towards the investment. Would it be possible to put her down as a creditor or not? Thanks
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DRO and brighthouse
Good morning, We ad a successful dro which has been active since 20th July 2018. Brighthouse was excluded from this as we have a tv with them and this was deemed a necessity. Our washing machine has just broke and we are in dire need of a new one as with 2 young kids I do washing literally everyday. There is a washing…
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Having a business after having debt written off
I am going through the process of having my debt written off which includes fines owed to HMRC, will I still be able to be self employed after this has been sorted?
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Warrant of Control - Please help!
I have been sent a warrant of control for a ccj against an old credit card debt that I ignored. I know I shouldn't have ignored it but I'm dealing with a terminally ill mother, a young child and severe anxiety. I gave sought advice from step change who have advised a DRO as I only have £10 left at the end of the month and…
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Post D.R.O
Hi I'm wanting some advise on this please..my dro ended sept17. I've recently received some money from a family trust..the trustee/solicitor has sent a form to claim tax back on what's been paid.. I'm bricking it because I didn't know I was receiving this money Its classed as unearned income..will it have an effect on my…
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Dro accepted. Gas and electric question
So my dro recently got accepted, my gas and electric were included on my dro. My contract with the provider end next month and I am wanting to switch providers as I’ve had nothing but problems with my current provider. Just wondering if it’s possible for me to switch even though I've included them on my recently approved…
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Question about employment
My partner is thinking about getting a dro after mine was accepted. He has a load of debts from years before we were together and it’s raking a toll on our money situation even though my debts are getting sorted. The only worry he has is if his employment will be effected with the dro? Will he need to let work know about…
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IVA Mortgage questions
Hi all, I unfortunately developed a rather expensive habit(gambling) over the last 4 and half years and finally faced facts and gotten the necessary help and have started the process for an IVA. I've got a question in regards to mortgages. My fixed rate ends in February next year with Nationwide. Me and my wife have…
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End of IVA & PPI
Hi - wonder if anyone can advise. We are 1 month away from our final payment of our IVA (6 years) which is great. Recently cleaning out our loft we found some old financial papers which all had PPI attached to them. Bearing in mind August is the deadline for PPI could we just go ahead and put claims into these old…
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IVA Payrise
Hi, I have only started paying into an IVA just under £200 a month. However low and behold only started into it and my circumstances change take a change for the better. I have now the opportunity to work overtime more regularly meaning I could earn around £600 a month extra. This fairs well to my future career with this…
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Dro and council tax arrears
I received a dro on the 13th of August 2018 which included my council tax bill for 2018/2019 as they had asked for it upfront so could be included. On the 20th of August my partner and kids moved in. We notified HMRC , DWP, even went to council put in a joint letting application for housing. I received a council tax bill…
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Capquest claiming I owe them money after 5+years
Hi all, after reading a few other threads regarding a similar issue I’d like some advice on my situation, so basically was in an Iva from 2007-2012 which I completed and received the completion certificate in January 2014, however yesterday I received a letter from capquest who brought the debt in 2009 from abbey national,…
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IVA not showing / Credit card still are on credit report
Hi guys any help would be massively appreciated I have just finished my second year of my IVA and was looking through noddle at my credit report My IVA is not currently showing on their. I think this maybe because when the company raised it the used the shortened version of my first name Chris not Christopher. When I…
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Obtaining a DRO
My partner and I have been together for 4, nearly 5 years. He is in 4K of debt. This debt was all before we met. He got made redundant and has since been unable to keep up the payments, they agreed to him paying £1 a week when he was claiming contributions based job seekers. He is no longer able to claim anything now aS I…
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advice
hi abit advice needed after speakin to pay plan enquiring which they went through all the budget for an iva i was left 270 amonth to pay to my creditors how likely will this be accepted when we are 45k in debt total if i was to go ahead
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Dro advice please!!
I am applying for a dro very soon but I was wondering what happens with my bank account. I have an overdraft so that will also be in the dro so I'm guessing I will have to apply for a basic bank account elsewhere. But when should I apply for one and also will all my benefits etc just be switched over or will I need to let…
