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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…
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Paying a family member’s IVA settlement
I am offering to pay off the final settlement for a family member, but would like to know will this in any way affect my credit rating or will there be a record of this that would affect me? If I understand correctly I will be transferring the money to the person and they will then pay it, however the company is asking for…
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A friend owes me £4.5k.....
...can she include this in an IVA without my consent? Debt goes back 5 years, verbal agreement and now paying £15pcm as lent her £1000 6 months ago! Yes, I know, never lend to friends! She promised to pay me back on sale of house but is in debt and about to take out an IVA.
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Time line help
Hi, I posted my DRO information to Stepchange about 2 hours ago. Im excited to finally be sorting things out. Once they receive it does anyone know how long roughly they take to process this? Assuminig I have provided them with all they need I wonder how long itll take them to issue me the barcode to pay my £90 Many thanks
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6 years paid
Ok I’ve paid 6 years on an IVA now they are saying I owe them £2500 on extra earnings and I don’t have the money. If I offered them £1000 on full and final settlement do you think they would accept.
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House repossession advice!
Hello, I am wondering if anyone can help me with my question… In 2008 me and my ex partner purchased a brand new flat (first time buyers scheme) from the Wimpy LTD. We moved in once it was built, we NEVER made one months mortgage payment as he decided to split up with me within 2 weeks of moving in. I was 12 weeks pregnant…
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I need help and advise
In brief I am totally panicking and not coping. I have a good annual salary of £56k gross and my husband earns around £35k. Over the last 9 months, we had a baby and I was only being paid SMP - we had planned for this so thought all was going to be ok. Then out of nowhere my husband had to fight a court case in relation to…
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Car question in DRO
Hello, my husband has a lot of debt but less than 20k, he is probably going to apply for a DRO soon, (long story short he might be forced to leave his job) plus in sept he won’t have much money so it deff seems like a viable option. Anyway, I’m waffling back to my main question.... 11 year old Audi, 100,000 Miles but…
