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DRO and CCJ - marked as satisfied?
I received a CCJ in May last year - I subsequently had the outstanding sum of the CCJ on a DRO 2 months later. The DRO is now discharged. Am I able to apply to the Courts to have the CCJ marked as satisfied as my credit file? Thanks in advance.
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What should I do with available credit?
Hi, I wondered if anyone could suggest what I do with open credit I have pre-dro application. I have a credit card with £500 limit on it, catalogue with £800 limit and Studio with £500 limit. All are currently at 0 so should I close them? I can't have more than 500 credit can i? So could I close the catalogue and Studio…
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Dro & HSBC account frozen
Hi there, I had my DRO accepted in June, and since then have had a letter from HSBC saying they would freeze my bank account as it was included in my debts. However, I haven't managed to change my pay into a different bank account and have just spoken to payroll saying they can't reverse it. Have I lost my money forever?…
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something between DMP and DRO?
Asked payplan about DMP, but if I have no extra hours, I have only left £15 after expenses and they told me impossible to do DMP, because minimum amount should be £100. I can do sometimes extra £85, but not every single month :( So they offered go to DRO, but now I scare I will have more than £50 sometimes!!! :eek: :mad: I…
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IVA in the military
Hi, I’m considering evetering an IVA as I am struggling o get out of it. There are a few things I would like some help with if anyone can offer any advice. As a serving member of the UK armed forces, am I under any obligation to inform them I am entering an IVA? I don’t want to go directly to HR and highlight the issue if…
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ClearDebtLimited and DRSP
I received a letter 21/04/18 from ClearDeptLimited claiming to have previous involvement as a former supervisor with my IVA and sending me papers to start collecting any PPI owed as an asset to my creditors, all very professional with details of my account number,dates of birth and addresses citing a Debt reclaim company…
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Lender not included in an old DRO with incorrect default date
Hello, I had a DRO that was issued in May 2012, most of the lenders had the correct default date but I do need to write a letter to correct some erroneous entries and clean my file. The trouble is I have a lender (Orange/EE) that wasn't listed on my original DRO. It's only £40 which makes it more annoying. Do I just send…
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Husbands DRO and bank balance
Hello everyone, So as many of you know I’m BR, Husband has no job, will be returning to uni in sept but then his £600 from that will replace the £600 from the UC we get. He has his own debts but less than mine so we are going for a DRO for him- so hopefully a fresh start going forward for both of us. I am not worried about…
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2nd IVA company goes out of business what do I do?
Originally I was with a company called Smooth Financial Id got in a bit of a pickle with 4 credit cards. I was with them for about 5 years paid every month without fail. Then they went out of business and another company took over Immdient Finance. I started with them in 2013. Now they have gone the same way. I still owe…
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Would I get a DRO?
Hi everyone, newbie here, been reading posts but still a few things I don't understand. I have 3 debts, a loan and 2 credit cards, I also have another credit card with a zero balance. I've been paying them and so far haven't missed a payment. I've also been living with a friend however so no rent or anything to pay, and…
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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…
