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IVA and PPI Refund - have we been ripped off?
Hello, My partner had to take out an IVA to pay off his debt after I had to leave my job due to illness. The company he took the IVA out with, suggested that he check for any PPI claims and referred him to one of their trusted companies. My partners total debt came to £6,200, and he successfully claimed £7,222.58 in PPI,…
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Late IVA payment?
My IVA payment is due to come out tomorrow, however I am around £60 short for it. I was late paying January's one as well, but managed to call and asked to pay a week later and they said that's fine. I was unable to get hold of my company to explain and ask. This is the last thing I wanted to happen not even 6 months into…
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Can they revoke DRO from extra money?
I’m only getting Carers Allowance and Universal Credit and sometimes get a bit of extra money from family to help me but there’s never anything left over each month. I just wanted to ask, it’s my birthday soon and will be getting a bit of money. Nothing life changing just a few hundred but would they stop my DRO if it goes…
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Guarantor on friends loan who now has a DRO
I have a question regarding a guarantor loan I’m involved with for a friend. Last year I agreed to be a guarantor for an Amigo loan for 10K and all the paperwork was done etc and everything was set up and she was paying ok for a few months then maybe paid late and then after a few days made the payment, in October last…
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Full and final timescale
Hi I entered a full and final on an IVA 3.5 weeks ago and phoned them today as heard nothing. The variation is stilll being written. Would you say this is taking far too long?
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Annual Review
Hi, My annual review is due, for the last 6 months or so I have been living with a friend as my tenancy finished in my previous property. I am looking to rent another property in the near future as I cannot stay in my current location for much longer. My worry is that my IP will see I have this temporary disposable income…
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Barclays won't close my account!
Please Help! Any information would be really appreciated. I was granted a DRO in December 2013 and was told it can last on my file for 6 years, this year will be the last year its on my file. I've tried really hard to clean up my credit rating these past 5 years, paying off other debts, building good relations with new…
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IVA annual review
Hi all, I'm in an IVA with Payplan. £16k worth of debt and in fifth year of IVA. It has been extended till NOV 2020 as it took them a year to arrange a creditors meeting. I did an annual review last Feb and made arrangements to pay arrears that I had accrued whilst poorly. I have been paying this and the monthly amount…
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Advance on universal credit
Could anyone tell me if an advance on universal credit is counted as obtaining credit with regards a DRO. I just applied for 501.75 and approved, odd figure I know but it was rent and a cushion until first pay,until first uc payment next month. My DRO is ending third week of April so have i just scuppered things up asking…
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End of IVA
I have been in an IVA for nearly 4 years and as i approach what they are calling the final year they are now asking me to produce my complete bank accounts (statements) for the last 3 months. My undertanding is my bank account is my private info. I have no problems providing my last 3 month payslips but do object to them…
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Dro preferential treatment
Hi I need advise I have just received my dro application and stepchange have put yes to preferential treatment of creditors which right at the beginning I said I had paid my door step lenders money whilst I hadn't paid the other creditors. One door step lender was paid with continously payment authority up till December…
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IVA Miss selling
Hi All, I'm towards the back end of my IVA after four years of hardship. I am looking back at the payments I have made (incl. Interest fees and broker fees and IVA fees etc...) and I can't help but think that i was miss-sold my IVA when i first took this out. I was in a sticky situation where I owed £300 to QuidQuid, £800…
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IVA or DMP
I have debts of around £19,000 live with my partner and we own a home, I work part time and support my son who is 19 and disabled. I have been advised by one debt management company to set up DMP but advised by Payplan to go for IVA my question is as I own half of the house with my partner and we have 5 years left to pay…
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Being messed about by StepChange, looking for TRUSTWORTHY alternatives
Hi, I've been looking in to getting a DRO and decided to go with StepChange. I filled in the form on the website, got a ref. number, downloaded the form, but I had a couple of questions that needed answering before I sent in the form - basic questions anyone might ask, nothing at all to do with personal circumstances or…
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IVA and Mortgage
Hi all. I'm after some honest and hopeful help in relation to my status. I have an IVA that was approved and started in April 2018. My wife and I of 7 years currently rent and desperately want to buy our own home as our rent is so expensive. I'm 47 and used to own a house with my ex over 11 years ago so I'm technically not…
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CCJ's still exist after DRO
I took out a DRO a year and a half ago. My advisor took a copy of my credit report to make sure all my debts including CCJ's was counted. After the DRO expired i found that all the debts were cleared apart from the CCJ's. Does anyone know why the CCJ's were not cleared with the DRO and what i can do about them. Thank you…
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SOA help Stepchange NO HELP
Hi, my husband is applying for DRO, we did a full household SOA including my wage and a tax credit overpayment, we havent listed that as a debt purely and expenditure as its in both our names, step change have said that because of this we need to do a new SOA with just my husbands incoming and out goings. we dont split…
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DRO revoked help
Hi there I wondered if someone could help me, I started a DRO in July last year and received a PPI payment I was not aware I was due in February 2019 for £2,500. None of my circumstances have changed and I reported it to the Insolvency service and they have revoked my DRO. I offered to pay my creditors the amount and they…
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DMP question (sorry I can’t find a DMP forum)
Hi I’m on a DMP with StepChange and have been since January. All of my creditors besides TSB have accepted and are pretty much leaving me alone, TSB are sending me letter after letter after letter. I’ve had another one today saying they won’t accept payment unless it’s received on the 1st of the month, they said this back…
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Cheque cashing service in IVA
Would an IVA company know if you cashed a cheque using a cheque cashing service ?
