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Need help with going forward
Hi, this is my first thread so bare with me.....I am currently in a massive amount of debt, not only in my own name but my mum took credit cards, hp, catalogues out for me also mounting up to around £17,000. My own debt is from years ago and I am hounded for the money, I am in a very unhappy relationship and don’t know…
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Default Dates Re Failed IVA
Hi, I had an IVA which started in June 2014. My IVA then failed between 1 - 2 years later.. Question is, should all of my creditors reported def Default date of June 2014 to match up with the commencement of the IVA? The reason for my question is I have creditors from my IVA that have no Default dates reported when I…
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DRO revoked due to receiving life insurance
My mother in law has just lost her husband and Legal And General have decided to get her DRO revoked and they don't want to pay out the insurance on my recently deceased father in law who is not cremated yet? ANY HELP WOULD BE GREATLY RECEIVED:shocked:
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IVA query
Hi, I am currently going through IVA process. The creditors meeting will be proposed this week with a meeting taking place between creditors an IP in a couple of weeks. I currently have a Personal Loan of over £300 a month which is due next week (before Creditors meeting) Would I be able to cancel the direct debit without…
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IVA fees
Any info on IVA fees and how much of the debts get discounted? are some firms better than others?
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IVA Ford finance
Hi all I have a car on HP with Ford finance Due to marriage breaking down and having to care for my twins - one who is disabled I have had to give up work. I've been left with alot of debt and am looking at an Iva however I have a car on HP with Ford finance, with family discount. Does anyone know if they will repossess my…
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Iva to setting up my own dmp
Hi I'm in my first year of an iva worst mistake ever with payplan I'm looking for advice I feel like I would be better of with letting my iva to fail and to write to my creditors and set up a payment plan with them has anyone attempted this. NEED HELP!!!!!
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DRO and Payrise
My DRO is due to end in the middle of March, and my work have informed me that I will be getting a payrise at the beginning of march. Do I need to tell the Insolvency service? I wont get paid until after my DRO has ended.
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IVA annual review
Hi there, Hoping you can help. My IVA company has sent me a link to log into online to complete my first review. When going through this, I'm asked to give my online banking username, password and other banking detail details. I'm very suspicious about doing this, especially as the first email I got from them was quite…
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DRO and creditors not showing on experian
Hi, My husband is applying for a DRO and we have printed off the credit report however there are 2 accounts that have been passed to Debt recovery companies that are not showing on the report. we have the letters from the recovery agents though, what happens with these? Also our furl is £60 per week due to the distance my…
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Iva help
Hi there, help needed please, I am in my 5th year of an IVA and I had been asked to remortgage and as expected my current provider refused, I have also tried online and refused there as well, I was then contacted by select partnership and offered just over £8k by them and they said they would be able to settle my IVA, my…
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Debt Relief Order, 02 and Virgin.
Hi all, I am submitting my paperwork for my DRO in the next week or so but have just realised that my 02 contract, sim only £15 pm is due to end in May. My Virgin Contract for internet and TV £56 pm is due to end in August. Neither of these companies will form part of my DRO. Should i switch providers now or wait till the…
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Review
Hi Had e mail today with my annual report. End of 1st year. I note that some creditors have not submitted a claim or proof of debt yet. If they don’t at all in the 5 years is that debt still cleared. Also have not been asked for income or expenditure update. As one of creditors who have not submitted a claim was the main…
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IVA debt written off after 5 years?
Correct me if i'm wrong, but i read that if you have been in a IVA, the debt can be written off after 5 years? Is that correct?
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basic account needed
I am looking at a possible IVA and need to open a basic account. It cant be linked to hsbc, lloyds or tesco banks. I am not sure if TSB would fit the bill as I think they have now completely split from lloyds. Can anybody advise what would be a good bank to use.
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IVA and PBA reclaim
Hi all, I have finished my IVA nearly two years ago with no problems and have my certificate issued to me. During that time in my IVA I claimed back near 20k in PPI which went into my IVA. Recently I was contacted by a company who said they can claim back Package Bank Accounts ( PBA ), so I filled in the forms and sent…
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DRO advise please
Hi my husband is due to pay and submit his DRO in the next couple of days with stepchange. Does anyone know the timeline of how long it takes to get accepted and if many people get refused a DRO? What happens at the end of the 12 months after it is accepted? Also he has a telephone phobia which makes things difficult, will…
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DRO & Car Insurance
Hello again! I have posted previously about my OH and our (his) DRO journey and have received brilliant advice, so I have another quick question please: His car insurance is due for renewal and his current insurer have sent the renewal pack through, which is surprisingly very reasonable! So ideally, he would like to just…
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IVA affecting partner
I am looking at having to set up an IVA. All debts are in my sole name. I have a small joint account with my wife at lloyds- its in credit and has never been overdrawn- although I have a lloyds credit card as one of my debts. W e rent and the tenancy is in our joint names. How would my IVA affect my wife and her credit…
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Homeless with an IVA
Hi I am posting about a friends situation, I want to support her in the best way I can and am asking for some guidance please. Summary: single female, currently working full time but at risk of losing job because of sickness absences (due to stress and anxiety). Declared a IVA from June last year, housesitting for a friend…
