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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…
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Finance while on an IVA?
So I am 4 months into my IVA now and so far all is going ok. I was wondering if I was allowed to get 'finance' while on it. Basically I would like to do my HGV licenses but as in total it costs around 2-3K to do this, there are companies that offer these train now, pay later plans. I don't know if that is classed as…
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DRO and lump sum
Does anyone have any idea how big of a lump sum could trigger a revoking of DRO? my husbands work had a share scheme, on the first anniversary of employment they are given a share. Its not available to sell for another year, after a year they are the share is sold whether the employee wants to or not and they are paid it…
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My Dro Has Ended But The Register Hasn't Been Updated
Hi! My DRO ended yesterday but so far the insolvency register hasn't been updated to reflect that. Is this normal? How long does it usually take?
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IVA Completed
Today 13/02/2019 my IVA has dropped off my credit report yippee . However when I have looked at my credit score this morning , the score is still showing "very poor " My question is will my score only reflect the IVA dropping off next month ? so March ? Does the score on Experian not update daily ?? I obtained a credit…
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Addison hunter
hi I have received a letter from a company Addison hunter regarding a refund on my Iva that I had with debt free direct but there is no website for them or the telephonies numbers on the letter are not working have you heard of this company.
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General IVA Advice
I posted yesterday asking what my debt options were. I've since spoken to a company called vanguard insolvency who have been really helpful. They feel that it's possible for me to get an IVA with my circumstances and have been very flexible around my needs. However, as I've been in jobs in the past which give…
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DRO - Last delinquent date
Hi, I hope I explain this right. I had a DRO agreed in February 2014 and have two accounts in still marked as being in arrears, but in my SETTLED ACCOUNTS on my credit score. One is an old Barclay account with £2359 which Status: DEFAULT February 2014 The second is a Barclaycard Status: DEFAULT September 2017 and a balance…
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Excluding family debt from an IVA
I've been on the Step Change website and it's advised that the best option for me is an IVA. One of my outgoings is £200 a month to pay off a loan given by a family member which I currently have £4200 outstanding. Step Change via their automated form have given an estimated IVA monthly amount of £92 and have stated £14 a…
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Applying for DRO after County Court Claim
In some trouble. Owed money on cards. Debts sold to third parties. One of them has made a County Court Claim against me. I can't pay it. I have very little (virtually nil) monthly income currently. That doesn't look like it's going to change anytime soon. I had been reading up about Debt Relief Orders before this even…
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Iva advice
I'm presently 2/3 years into an iva, I wish to stop the payments and go down the 3 letter approach that I've heard so much about. Is it advisable to stop future payments and be semi debt free within months, or are they likely to file suit against me.
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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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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 transferred to sister company?
I've posted quite alot to do with my IVA that I've only just started 3 months or so ago. I do try to look on the forums for info before creating a post. My IVA 'case' has been transfered from Swift Insolvency Solutions to it's apparent sister company Aperture. I called Swift and they did confirm this. I've also had an…
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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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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 fees
Any info on IVA fees and how much of the debts get discounted? are some firms better than others?
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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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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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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…
