-
Help debts after dro has been awarded
Hi, today I found out that I owe 202 tax credits for year 2016 17, my dept relief order went through March this year. I had no idea I had this debt and hmrc are demanding payment I have set up a repayment plan with them on the phone but now relalise it was not the right thing to do but will cancel this. Do I need to inform…
-
Car Insurance
Hi all, I've recently (May 2018) had a Debt Relief Order. My car insurance is now due for renewal, and last year I paid it in full. However, I now need to pay it in installments due to my budget / finances. I'm aware that as part of my DRO I'm not allowed to apply for credit, does this mean I can't apply / pay for car…
-
DRO and some expensive health problems
Try to fill DRO application form now, but so confused about medical expenses. Just had a dental implant 2 weeks ago and in around 6-8 months time I am going to get one more which cost £2600 in UK (probably around 1300 euros if abroad tickets included). Of course I have no these money now, and cant save during DRO period,…
-
DRO and psychotherapy
Funny thread title I know but wondering if anyone could help... I have been told by Business Debtlibe that I could apply for a DRO and they're currently sending me the pack in the post. I have a few questions: -My husband goes to see a private non NHS psychotherapist fortnightly (£50 per time) which we've added under…
-
DRO and Disability Premiums
Hi I wonder if anyone can help. I am half way through my DRO 12 month period. My support worker thinks I should apply for pip care as my needs have changed. I live in a full universal credit area but am on ESA support group still. As I understand it because I am on esa , if I qualify for PIP it would still attract the…
-
Iva
I have recently taken out an iva for £18000 for over five yrs paying back in total £6000 A couple of weeks ago my parents have decided to release equity in there house so I can buy my own home. I live in council property so will get it at a very discounted rate. I have also just got married. The money they are releasing…
-
IVA and redundancy
We are 4 years and 4 months into our IVA. The original total debt was £52000. My husband and I have separate IVAs of £280 and £310 a month. My husband is about to be made redundant and should receive around £50000. I understand this is payable in full to the IVA bar 6 months of "salary". I am not sure where we stand. Could…
-
Failed IVA - DebtFreeDirect
Hi I'm new to this forum. I had an IVA with my ex-husband that failed (exact dates unknown but we have been separated 6 years in Nov so I'm assuming 5 years ago) with Debt Free Direct. I have had no communication from them or any of my Creditors during this time despite advising them of a forwarding address at the time.…
-
Need to confirm IVA is settled to claim ppi
How can I find details of who I had an IVA with over ten years ago? It’s not on my credit file and I can’t claim my ppi with Santander until I prove I paid my IVA. But I can’t remember who it was with.
-
Iva and PPI’s
Hi I’m in an IVA the company requested I have and PPI check. It was agreed with NatWest that I have 2 PPI’s worth around £2500. Iva have done nothing to claim this and as far as I understand NatWest want to pay the £2500 off my debt with them, which I’m happy with. The PPI was checked when I first went into Iva that’s 4…
-
Credit after a DRO ends
Hi everyone :T Couldnt remember my old log in details so have joined again...I was trying to be debt free wannabe foe many many years and last year I decided to seek advice from CAB before I got into CCJ territory etc... I applied for a DRO and am pleased to say it got accepted on 14th September so now its just a case of…
-
No bank account for IVA not paying debts.
Ok so it looks like I will be looking into an IVA soon. So far I've been able to make all repayments. However a close friend has had several surgeries this year and I have financialy supported her. She has now repayed this into my Halifax account that has an overdraft of 1500. There will be no more payments going in. I've…
-
IVA Completion Certificate
When should you receive your IVA Completion Certificate? Our last payment was taken May 2017. There was no equity to release from our property. We were told we would have to wait 1 year?
-
DRo submitted to insolvency today but I have a big concern!!
Hi all, I’m feeling very worried tonight. I have been doing my DRO through atepchange and today they submitted my application to the insolvency agency. My concern is over my credit report. I have a debt showing on there that I paid off over three years ago. I advised sc about this and they removed it from my list of…
-
IVA and options
Good Afternoon i am spinning. i got divorced 4 years ago - terrible deal but i get to see my children three time a week which was to be fair, all i ever wanted. I took the settlement i got which was 15K and used it as a deposit for my little house. Over the course of the last 4 years i have had to buy pretty much…
-
IVA Best choice?
Hi, I am feeling a distinct sinking feeling and need to act fast. I have £47K in creditcard debts and £10K bank loan, and £3K in overdrafts, so £60K in total. I have a good job but I'm only just servicing the minimum payments and its getting worse and I am not sleeping well. What makes it worse is for the first time my…
-
Banking with IVA
I'm concidering an IVA. I have an overdraft of 1500 and a credit card of 2500 with Halifax. I also have a new account and savings account with llyods. When you spend 3.50 on your card llyods round up the amount to 4 and put the 50p into your savings. Few questions.... Halifax and llyods are the same banking group. Does…
-
IVA, Creditors amount stays the same
Hey all So live the title says, I have an IVA. But each month I check my credit report which is getting better but when I check the amount owed either on the credit site or on the creditors site its self its still saying the owed amount is the same. Is this because something dodgy is going on or does it only change once…
-
Paying back twice the original IVA
I’m confused by my Iva. Was supposed to end April after five years and I was waiting for creditor meeting when I got my divorce settlement in June I let them know I now had money to complete The total debt at start of IVA was around £20k and so far I’d paid off £13k. The final figure I’ve been given is £17k which means the…
-
DRO help
Hello, I'm in a bit of a bind and need some help. I'm a stay at home mum with debts of about £14k spread over three credit cards and an overdraft. Most of the debt was acquired when I was still working. My son is 17 months old and I'm at home with him due to high childcare costs. My partner of 11 years agreed to carry on…
