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Iva issue
Hi All, I am really hoping for some sound advice on a difficult issue involving my husbands IVA. We had been paying it for 2 years via a standing order (as directed by the company). Each payment made without default. But at the end of each year, I would receive a default email notice. I rang each time in which they…
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Completion certificate after an IVA
Hi I’m a new member so apologies if my posting is sketchy. I need some advice. I completed my IVA in August 2017 and still haven’t received my completion certificate. I’ve spoken to the company who handled my IVA and they have told me that they’re still chasing PPI. I’m starting a new business in November and will struggle…
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Completion Certificate Delay
Can anyone help with advise please? I managed to agree a full and final settlement for my IVA in June 2017. All confirmations were received. After chasing my CC I was told they have 12 months in which to issue it , waiting for any PPI etc. Upon calling and asking for my CC last week, was told they had extended the time it…
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Would a DRO be suitable for me?
Hi everyone, please bare with me if I do things incorrectly, I'm new here and this is my first post. I have 15 unsecured debts, payday loans, overdraft, catalogs etc... they total about £9k. I have no income at all currently, I have been suffering with my mental health for the last 4 years and had to take out loans etc to…
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Dro and inheritance questions
Hi thanks once again for the brilliant advice lovely people take to give here, it!!!8217;s been invaluable on my debt journey. However I have a few more unfortunately that I wondered if someone could take the time to try to answer. My grandmother past away a month ago and sadly now it!!!8217;s looking as though my grandad…
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IVA monthly payments - Circumstances have changed.
Hi All I am currently in a 6 year IVA which was such a weight off my shoulders when I was accepted. Whenever I earn more then my threshold each month, I call Stepchange and pay the extra into their account. When accepted, I was in receipt of PIP, Low rate for care and mobility. I even agreed to offset £80 of it each month…
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student + zero contract job + renting
Hello I am struggling with my debts and really thinking of going down the DRO route. My main worry is as I privately rent, I'd find it hard to secure another property within 6 years (I hope to stay here as long as possible). Also I am a full time student and have a zero contract bank role within a local NHS trust. Am I…
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Iva help!!
Help I am currently looking into an Iva I have done the first little part. But have just realised I have a store card in my name which I have t declared on my debtors as someone else pays it off! It's only £700 do I need to declare this with it being in my name? Having a panic now!! :(
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IVA/PPI and Green V Wright Court Case
Hi, I hope I am posting in the right place. Myself and partner completed an IVA in Oct/Nov 2011 and have a Certificate of Completion dated 31st March 2012 and the accompanying report saying we are debt-free etc. Today I have received a letter from Freeman Jones who were our IVA firm. Basically it makes reference to a Court…
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IVA - Mature student - advice?
Hi, Head is all over and hoping to get a little advice. I'm a mid-20s postgraduate student and work anything from 20 - above full time hours a week on a 0 hour type contract. My very variable income and modest salary has been a big issue on top of other things (currently looking for a perm job with fixed hours) and my…
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Dro, frozen bank and taken benefits
So I recently was granted a DRO. Little did I know my Natwest accounts would be froze and my Child Benefit paid into the account today and Child Tax Credits due tomorrow are also frozen!! I have also slowly been adding £5 per week from child tax credits into separate accounts for each of my children. My daughters DLA and…
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advice needed BR v DRO
hi, i need some advice please, we currently have a filed in bankruptcy applicatio, just saving to pay and press the button, however my husbands pcp termination fee has come back at less than we thought, leaving his debt figure a £10k. can a bankruptcy be refused on this figure? Is it worth thinking about DRO instead? I've…
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Wifes IVA failing, what now?
Hi all, Long story short my wife has just had confirmation email from Payplan saying that they are failing her IVA due to non compliance. From what she's telling me, she has had load's of issues over the past year trying to contact them, update details etc etc and a 9 month payment break turned into 13 months etc. She is…
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Mortgage options
Hi all, I completed my IVA in August last year and I got my certificate through in January. Now that that I've tied up all loose ends and am completely debt free, I'd really like to look into getting a mortgage. I have checked my credit file and I obviously have no open debts,however one from my Iva is still there (showing…
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credit report and DRO incorrect who do I write to?
Hello, I have probably been lazy about this but have been on my credit reports. My DRO finished May 2014 so next year will be 6 years in May and will hopefully all clear however the dates are all wrong with some defaulted date August! so I need then to hopefully change from when I was initially given the date also my…
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Debt advice ?
Hey, Kinda embarrassing but i need some advice if possible. Im currently in 24k worth of debt, 12k is a loan which comes out every month £280 at 6.9% apr, have currently paid off 5k in a year so far, however i have 3 credit cards 1 of which I'm paying interest on but I'm currently paying £700 a month on debt in total. i…
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Inheritance Five Years after DRO Granted
Hi, not been in here for a while... My DRO was granted September 2013 and completed without issue a year later. Now, almost five years later, my mum has passed away and once the small town solicitors she appointed as executors pull their fingers out, I will inherit half the estate (spilt 50/50 with my brother). Put it this…
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DRO Budgeting Guides?
Hello! I'm looking for some help following a rather odd experience with Stepchange. I have personal debt which up until a couple of years ago was manageable (until I had a pretty epic nervous breakdown which led to many poor decisions), and for the last year have been on a TPP which needs review. Stepchange are keen for me…
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Possible Scenario
I am in year 5 of my 6 yr IVA. due to promotions at work, pay rises, bonuses and PPI refunds its likely we will be close to repaying 100p in the £ as well as any IVA fees which is great. However, I have been told that it is possible that 2/3 months before my IVA completes I "MAY" get a significant windfall, for the example…
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DRO and preferential payments rules
Hi I'm at my wits end. My debts are out of control. I've taken out payday loans and high interest credit cards to pay living expenses, I've got two enforcement officers and and a High Court Enforcement Officer banging on the door. I finally spoke to the CAB about getting some help and support and have an appointment on…
