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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 submitted but still getting harassed
DRO submitted but still getting calls and letters What is the best thing to do to stop them calling? Every time they are told the debt has been relieved but they still keep harassing us
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Never trust a trust deed
Personally I would NEVER recommend a Trust Deed it IVA to anyone ! They say they will write off some of your debts , but what they don’t tell you is that the total debt you owe will still be paid by you , but that two thirds of that go into the TD companies pocket and only a third of that amount to your creditors. They…
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Cheque cashing service in IVA
Would an IVA company know if you cashed a cheque using a cheque cashing service ?
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remortgaging after an IVA
Hi My IVA comes to an end in August this year and I need to re-mortgage fairly quickly afterwards to buy my ex husband out of our house. How easy will it be to do this and which lenders might be willing to give me a mortgage? Marie
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What's your life plan after DRO?
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DRO and Money in childrens bank accounts
Hi, This is on behalf of another family member. They have applied for a DRO and are waiting on a reply, however my family member has some cash (few £k) in a bank account (savings) but that is on their childrens name although the family member is the legal guardian, would this effect a DRO, can they say take money from that…
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Repaying 100% of debt owed via IVA
Hi, I have £58k of unsecured debt that has now become unmanageable. I am seriously considering an IVA. My regular, salaried income would allow me to repay 100% of the amount owed over a period of six years, while still being able to live to a reasonable standard. I have a few questions: 1) Am I even eligible for an IVA if…
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DRO - submitted but waiting.....
Hi everyone. StepChange submitted my DRO on Weds 27th Feb around 3pm whilst I was on the phone to them. General consensus from reading the various posts seems to be 48 hr turnaround but these posts are from a few months back and last year. Anyone know the current wait time? I've checked the register just now (Sat 2nd) but…
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Full and final.
Hi I posted a full and final to my Iva company which they received Tuesday. I’m not expecting it to happen over night but how long do these things take to finalise ?
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iva help
Hi im thinking enquiring about an iva from experience does anybody know how much u think my payments would be in a joint iva, i have a mortgage with no equity in property. Together we bring in 2200, i worked out our leave over budget wolud be round the 200 mark, i worked out how much i owe loans credit cards store cards…
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Post IVA question
Hi, I have been out of my IVA now for 2 years but I still keep getting letters off Tesco loans every 6 months saying that although I may have been in contact with them to arrange debt repayments they still have to send me this to let me know how much I owe. I have had my completion certificate everything so I thought they…
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IVA and redundancy
Hi, my pal is 6 months into his IVA and has just had confirmation he is getting made redundant is 2 weeks time, he knew the writing was on the wall as he has been stood at home for the last 4 weeks and has only worked for approx 3 weeks since Xmas( construction industry). He is being evicted from his flat on Monday as well…
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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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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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Completed IVA
:j:j:j Hi all, I just wanted to post a massive thank you! 6 years ago i spent hours reading these forums sucking in all the information and advice regarding IVAs and debts. Today i have received my IVA completion certificate YAY finally debt free. And to add to it i am proud to have paid back 100% of my debts. In fact…
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DRO a option for me?
Hi, I'm new to the forum and looking for some advice. I am currently on a DMP with stepchange. When I started it was £26k, it is now less than £20k after paying £400 a month towards it. My circumstances have just changed drastically as me and my partner have separated. The household income has dropped and due to the house…
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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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Thinking of leaving IVA
Hi guys I’m coming up to the end of my 2nd year in an IVA and I’m thinking of leaving and paying creditors off myself. My circumstances are completely different now to 2 years ago. My payments are going to be increased again this year and I’m going to be paying back much more than what I owed originally. I’ve spoke to IP…
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Mortgage advice after IVA
I had an IVA together with my ex-husband from 2008-2013. It was completed and fully discharged and has not appeared on my personal credit report for several years now. We have since divorced and I have focused on rebuilding my credit, succesfully getting credit cards and a loan over the years. My new partner and I are now…
