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Substantial Wage Increase
Hello Everyone, I have searched for the answer to my case, but haven't found anything that quite nails it. I am applying for a job that will increase my current wage from just over £27k p/a to £45.5k p/a. Quite obviously I am expecting my IVA payment to be increased which I am fine with, but my question is this: My total…
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IVA & Debt management plan renting
Me and my boyfriend are still living at his dad's house desperate to get our own place, I have been put on a debt management plan around 3 months ago and he has recently been put on a IVA, like I say we are desperate for our own place, I know they will have a massive affect on us getting a mortgage but I was wondering how…
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Failed IVA & PPI
Hi I had an IVA which failed in 2014 after only 6 months. I received a breach from my IP. Since then I have entered into repayment plans with my creditors and have been doing well getting all the debt down. I have never heard from the IP again. I received a phone call from an old bank who were not on the Iva to say I had…
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Submitting annual review - online?
Hi guys, First time ever on a forum so please bare with me. I am currently coming into my 5th year of my IVA with Credit Fix - and ill be honest they have never been the most helpful to me since they took over my IVA from Mitchell Farrar back in 2015, without a prayer of being able to do anything about it. Anyway, they…
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Dro qualification
Do you need to have less than £500 in your total bank account for the last six months or something? What if somebody did have over that amount near to a grand in the months preceding? Also can anybody please post the link to the allowable expenses for the cash flow? I once saw it somewhere but can’t find it now. Also is…
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Mobile phone arrears after IVA
Hi, Me and my husband have been in a joint IVA for almost 1 year now and earlier this year, due to a few circumstances outside our control as well as just becoming used to living within a budget, we missed a couple of payments on my mobile phone bill and are now in around £350 of arrears. Vodafone have set a “promise to…
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Stupid question - dro end date
Hi folks, I get this is silly but my DRO commenced on 1st Nov. Everything I've looked at said it's a year, but does that mean it'll end on 31st Oct or 1st Nov next year? It only matters because I have paperwork for a house exchange to put in and want to do it the day after it ends.
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Car Value
Hi, I was just wondering is there a recommended website to find out your car value for a DRO? Thanks in advance.
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last question then I sign on the dotted line
Hi I am almost ready to sign on the dotted line just getting one more creditor entered on the list then its all systems go. my question is I haven't got my new bank account set up and I get paid by cheque. I have had to put the cheque into my existing bank account this month. ( I do not owe the bank any money they are not…
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Recommended Mortgage Providers - IVA Completed
Hi We have completed our IVA, the certificate is in our hands and the IVA is not showing with Experian. We have accepted an offer on our property, however our current finance guy doesn't appear to be having luck with the normal mortgage providers in getting us a mortgage to allow us to look for somewhere new. Do any of you…
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joint IVA Double the fees
Hi We are just about to sign off on out IVA however the agent has sent over two IVAS one for partner one for me. they both have different charges for the IVA so I assume we are being charged twice to set it up. Is this the norm my charges are Nominee fee: £1000 Disbursments; £1461.50 total supervisor fee: £1002 Partners…
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Freezing a Payment on IVA for Xmas
Hi guys, Just hoping to get some advice if possible. In summary when we set up our IVA in June we were unequivocally told by our practitioner (have email confirmation etc) we could miss 3 payments and that most people freeze the payment over Xmas. The company have been very professional and knowledgeable to date so took…
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2nd maternity paymeny break on IVA??
Hi, My husband and I are on 2nd year of IVA. Just found out I'm pregnant but not worrying as Stepchange have been brilliant and I know we can have a payment break when I go on maternity. Hypothetically, if I were to take a 9 month payment break with this child but then fall pregnant with another - would I be able to take…
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Hubby cred card debt statements
My husband built up a large credit card debt and took out a loan without me knowing...his debt is now being handled by Pay Plan and his accounts have been frozen. I have asked him repeatedly for the credit card and loan statements but he says he cannot get them as the accounts are in default/frozen and he can only get…
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Iva worries
Hi this is my first post, please bear with me!! In 2016 my husband and I were accepted on to an IVA with PAYPLAN. All has been well and we felt that the process had been very well explained at the outset. A few weeks ago we had a copy of the annual statement that is sent to the courts. I have discovered that there is in…
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IVA - trying to organise ourselves
Hi All, Hubby and I are currently looking into an IVA. I don't suppose anyone would have a few minutes to give me some idea of what paperwork/figures we would be expected to provide? Hubby is 'not a paper man' (his words not mine) and I am trying to pull together as much information as possible so we can organise ourselves…
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Payment received during DRO
So I posted on the DFW board about my OH's situation and long story short, he was accepted for a DRO back in September. Yesterday a letter landed on the mat from Lloyds (one of the creditors included in the DRO) and they have sent a cheque to my OH for £500 (or as near as dammit) which they say is for interest that was…
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Dro update
It's approaching the end of my moratorium period (about 2 months away), my name is listed as still subject to dro even though i've broken the terms of it having earned well over the threshold and having contacted the insolvency service to request to stop it. I've not heard a word from them asking to pay anything back…
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help with figures for IVA
Hi i am looking at going into an IVA rather then an DMP as the debt is spiralling as I've been using pay day loans to see me through the month. If I didn't have these to pay then I would be quite well off each month. wages total for me and hubby are £3089 mortgage 517 building insurance 35 council tax 99.5 gas 150…
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help and advice needed
Hi i am looking at going into an IVA rather then an DMP as the debt is spiralling as I've been using pay day loans to see me through the month. If I didn't have these to pay then I would be quite well off each month. However I have a question as I have gave them the figure of my wages as £200 less then what it is as I have…
