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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…
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Refund after dro sent to closed account.
Hi..i had a D.R.O. in 2016 with moratium period finishing in sept 2017..i had a credit card in 2009 with m.b.n.a but eventually the debt was sold on to Arrow Global'and then Capquest..however..today ive received a letter from mbna notifying me of a refund for charges of 600+..theyve sent it to arrow global to credit my…
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Mortgage gone up year into iva missing bills can someone help
Hi I have a mortgage rate ended gone up 250 pound year into the iva I've got due to financial problems my house is worth 220-240,000 and the mortgage is currently 163700 one month behind on mortgage and iva Any advice really really appreciated I don't know what to do all options considered Thank you
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Starting a business with a DRO
I posted this already in the business forum and was advised to try here instead. Last month I was approved for a debt relief order, and after reading through all the rules I noticed a few things which could potentially ruin my plans for starting a business. According to the letter I received it says I'm not allowed to do…
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Chances of IVA being accepted?
Hi all. I am contacting a company tomorrow to have them look over my finances to see if an IVA is right for me. I've been trying to do lots of research myself on it to see if it is something I should consider. As you can see by my list of debts further down that I do have a lot of pay day loans. I used them to pay off each…
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IVA and PPI
Hello I need some advice please. I’ll be very brief and factual but wonder if someone can answer some questions at the end. Debt owed - £11,000 Debt repaid via IVA - £4700 ( 48mths @ & £98 ) PPI claim upheld and paid directly to IVA company - £7600. So in my mind I have paid £12300 to IVA Company against an £11,000 debt.…
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Iva
Hi I posted last night and feeling very nervous. We r Facing up to our debts As anyone gone down the route of Iva or dmp. Can somebody please tell me have they been through this many thanks
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Insurance Claim on a DRO
Hi, I am currently under a Debt Relief Order and in the moratorium period. I have recently lost a camera of mine (worth a few hundred) and I am thinking of making an insurance claim. How will that effect my DRO?
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Life after IVA
Myself and my husband entered into an IVA in April 2012, D/C August 2017. We sold our house and had an offer accepted on a house, approached a mortgage broker, accepted with natwest. However, natwest then said that they won't proceed with the application because of internal markers against us, which are old overdrafts,…
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IVA and Work Related Bounus
Hi Guys, Long time reader 1st time poster. I was hoping someone could offer some help with the following predicament. I'm currently in the 6th month of my IVA (best decision I've ever made) and l'm on track to get a work related 'bonus' of around £2000 nett in December which will make a huge difference to my standard of…
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IVA advice re NOSIA
Hi. I completed my IVA in 2017 but have just received a letter from MBNA today stating they did not issue me with a NOSIA way back in 2009. They said I am owed a refund of over £2k but I am wondering whether my appointed representative is actually entitled to this? I have an email from who I did my IVA with confirming it…
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Bonus and DRO
I'm 6 months into a DRO, and I will be due a bonus from work in a month or so (only £250 ish). My question is whether it will ruin my DRO, I have already had a tax rebate, and so with this bonus it would put me over £1000 of assets in the year of the DRO. Should I decline the bonus?
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getting a IVA with a mortgage
Hi. A lady at work has 45k debts and due to a split from her partner is living in a one bedroom flat with two young kids in her room and her aupair in the living room. the flat is a council flat which her dad gave his savings to buy for her to help her out. She recently applied for a iva as her payout to all her debts are…
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DRO advice needed please
Hello, I’m hoping to apply for a DRO to write off previous debts, old CC from student days, overdrafts from the same, a couple of unpaid bills from years gone by that an ex assured he was paying... until debt collection letters came to my door. Nothing recent, no overdraft on my current account. I have a few questions if…
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IVA finished - Not cleared from credit file
We finished our IVA in June after 7 years of payments. On checking our credit file 6 weeks ago, our rating was good and we had no record of the IVA. We therefore put our property on the market after meeting a financial advisor. Yesterday our house had an offer we accepted and we have seen a home we want to buy. On checking…
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Old couple DRO?
An old couple in their 70s who rent their home, both have retired and each have just under £20K credit card debt. Can they both do a DRO at the same time, because most of the paper work will be the same? The same 50% of all income and expenses, the same address and same bills ect. Only bank statements and a credit card…
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Dro and inheritance
Hi I need some help as I’m deeply stressed. I’ll keep this brief. My DRO ends in March 2019 and I’ve heard although not officially told as yet I’m in my granddads will. I’m probably although again all hearsay that I’ll get 10 k. Do I have to inform the official receiver at the point that I know about the inheritance or…
