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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…
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IVA ..who to go with??
Hi all New to the forum and have woken up to the debt we are in and need to face up to the fact we have been very stupid! We have 66k of debt then an unsecured loan attached to NRAM mortgage. All in all a mess. I think an IVA is the way to go as we do come home with around £3600 a month it's just the interest on all the…
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Dro, Gambling, Balance Transfers
Hi, I'm looking for a but of advice if anyone can help me. I was a gambler for about 10 years until I had my light bulb moment 12 months ago, never gambled since! I am in debt because of this. I owe £6300 on one credit card which I done a balance transfer on 30 months ago, it was for 40 months interest free. On another…
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DRO Criteria
Good morning! I am in a bit of a mess, and have finally pulled my head out of my a**e and am facing up to things. My total debt is £12491.38, mostly short term and pay day loans, plus catalogues and three CCs. I have been talking to StepChange, and they have suggested Bankruptcy. I asked why not a DRO (I have a car worth…
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Help - missold IVA??
I have just found out that my husband applied for an IVA without telling me. He had around £15,500 credit card and overdraft debt. He earns £1888 a month after tax, spends around £1000 a month on bills, and was making debt payments of £700 a month. I don't think they have explained the full implications of this insolvency…
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DRO sorted, thank you!
Just wanted to say that my DRO was registered on 1st Nov, and a big thank you to the people who answered my questions, and just everybody really for making me feel less alone in this. 12 months to go:)
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IVA timescale for completion certificate
Just finished paying off my final payment of IVA (Phew) lasted total of 6 years 6 months with APERTURE. My final income expenditure review was completed this week and i made the final payment towards my closure. The adviser on the phone told me that the closure will take 3-6 Months, i cant really wait to get it closed…
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Post IVA Windfall
Hi I have an issue I need an answer to before I make any decisions. I completed my IVA earlier this year with a one off payment from my partner which closed the IVA in full and final settlement. Unfortunately it took a few months to sort out, but I received my completion certificate late September of this year, which was a…
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Mortage
Has anyone had experience of moving house after IVA.
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IVA Quagmire - Help
I need advice. My IVA provider sent me a letter end of Aug, stating a creditor had come forward stating I owed them money from way back in 2013 which wasn't included on the original list, I know for a fact I have never dealt with the company so I contacted them saying as much but said I would go away and do my due…
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Iva Help
Hi ..this is my first post , we are nearly 5 years into a 6 year Iva ..started with Debt Free Direct back in 2013 ... then I believe they were taken over by Aperture in 2016 .. the first I heard from Aperture was in July this year saying I was in arrears , I have never ever missed a payment , I emailed them , stating I…
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DRO procedure and applying
So a DRO can only be obtained via Stepchange? Do you ring, visit, get an interview, fill out forms?
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Iva Help
Hi ..this is my first post , we are nearly 5 years into a 6 year Iva ..started with Debt Free Direct back in 2013 ... then I believe they were taken over by Aperture in 2016 .. the first I heard from Aperture wS in July this year saying I was in arrears , I have never ever missed a payment , I emailed them , stating I…
