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Bankruptcy with variable income
Hello all, I have been in an IVA for a year. I moved in with my fianc!e and kids so my circumstances changed, my IVA payments were reduced, but I’m finding it really tough to meet the payments. Considering bankruptcy but I’m confused about the situation with IPA payments after bankruptcy. I earn a varying income and…
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Job after Bankruptcy
I was made bankrupt in 2009, discharged in 2010. Would I be able to work as a trainer/coach in a conveyancing company?
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Stepchange client number?
Ive finally got all my paper work together and filled everything out ready to send back, but on the checklist and the agreement its asking for my client reference number. As far as im aware i haven't got one, I've checked through my application form, all the emails ive had and its not mentioned anywhere. Should i have one?…
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IVA not on Credit Score
Hi, My husband and I are coming to the end of year 5 of our IVA. We have to pay an extra 12months as we couldn't release equity from our mortgage - all fine and expected. I've seen a few posts saying once you've finished your IVA to check a credit score website as often creditors don't always remove files etc. So out of…
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outstanding balance after IVA
Hi. I've been checking my credit report as I wanted to check it's up to date following the completion of my IVA back in January 2017. I completed via a full and final settlement. Experian shows an outstanding balance of £16,129.00 for a Halifax loan which was included in the IVA . Clear score shows nothing owing and noddle…
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IVA completed then Plevin PPi refund
Hello all, I completed my IVA on 16 January 2018, early, through a " Full and Final Offer " . I am currently waiting for my completion certificate, which should arrive approx. 3 months from Jan 2018 ( i.e. April 16 2018 ). I have received today, 24th February 2018 , a letter from a credit card company, which originally…
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Iva meeting today!!
I have my IVA meeting of creditors this morning. I may not attending but I have been told to be available on the phone. I'm getting quite nervous, I really hope they agree to it. What can I expect? Will they ring me before/during and how long does it normally take afterwards to find out if you've been successful? My…
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It's Gone!! DRO has cleared!
So, after applying for and getting my DRO in January 2012.. It has just dropped off of all of my credit reports! I thought it would be 6 years from discharge rather than start, so I'm just celebrating it 'disappearing' a year earlier than I expected! Woohoo! :T The light at the end of the tunnel is so much brighter!
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DCA selling debt in IVA
I need to get something off my chest... After all the stress, anxiety and mental illness of over ten years trying to pay our debts, the little kicks in the teeth still happen don't they? We're in the second year of our IVA and for the second time one of our debts has been sold on. The DCA buying the debt must be making a…
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landlord informed?
Hi all! thinking about a DRO but 1 or 2 worries, are landlords informed about DRO as we have just moved due to previous landlord wanting their property back and as we on benefits as hubby disabled after a stroke was hard to get a landlord to accept us! also i have had a bit of a gambling problem i.e. betting then trting to…
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Iva
Hi there basically my ex left me in a world of debt years ago when he defaulted on the mortgage that he had lied about my name not being in there anymore he faked the solicitors letters when he had been turned down I thought everything had gone through only to find several years later this wasn't the case anyhow I'm now in…
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Still showing debt after IVA completion
I took out an IVA on 27th March 2012 – it was fully paid off 12 month later as I had an inheritance. Since then, the bank I was with at the time still have the overdraft as outstanding. I contacted the company I used for the IVA and they told me that the bank did not send the account details over when the IVA was finalised…
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Debt Relief Order stress
Hi I pay my £90 fee on Friday, I’m so worried that the debt Relief Order will be refused I have looked at so much stuff online and no one posts about being refused, I suffer bad mental health issues and I’m parinoid - I’m not sleeping and I can’t eat. I get triggered on the phone and if I’m if I’m questioned something I’m…
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In Iva and looking at options as losing home
Hi ive been in an iva (6 year to complete)since March 2017 and been allowed currently £700 to rent as we will lose our home with surrendering the property. To no avail nothing suitable on the rental market,is that any back door way to put this £700 in buying a home rather than having to rent for the next 6 years Have no…
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Looking into a DRO
After considering a dmp it turned out i wouldn't be able to afford the monthly payments for that. The next step it was suggested i do is apply for a debt relief order. Obviously this is something i haven't taken lightly, i have researched it and read reviews etc. But i do have a couple of concerning questions if anyone can…
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Iva termination
I was misinformed and took out a IVA for my credit issues of just over £2000 and then it came to light that i should not have been accepted for a IVA so i have terminated this and received a letter stating this has been terminated and i have started to pay the money to the companies i owe to. But this is showing on my…
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Post IVA PPI claim
Hello, I had a northern rock together mortgage from 2005-2008 which I have just put a ppi claim in on. I had an IVA 2013 but was discharged early in April 2016. There were no debts with northern rock or nram included in that process. The initial letter states that I will not be entitled to any redress payments (if there is…
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post iva
hi we finished our iva in may 2011,whilst on the iva for 12 months we paid into a debt management firm then we put on an iva in n2006.We were told we had to release the remaining equity we had in the property in 2007 or we'd loose the house,so they arranged an interest only mortgage payments were £687 PER MONTH our…
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Refunded interest after DRO?
Hi all, I was discharged from the DRO in April of last year, but the other day I received the following letter from Lloyds Bank. "Dear bb, We agreed to feeeze interest and charges on your account when you told us you couldn't keep up the interest payments. We have realised that we wrongly charged interest of £180 to your…
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war pention
I receive a war pension and have been in an iva for 4 years now. The company that runs the IVA have told me that my war pension counts as an income I also get unemployability as I can no longer work and a military pension. I have read that my war pension should not be taken into account as this is awarded for the suffering…