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DRO timescales etc
Do you have to have more then one appointment to do a DRO with the CAB or do you have to take advice from them first.... Do they require all three credit reports or do they just use experian?
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0 credit score on experian
Hi, Just logged into my Experian credit report, I have a score of 0 out of 999. I didn't even think this was possible all my personal details are correct. I am in an IVA with creditfix which doesn't show on my report, rather than all the old debts I have and a few which have since defaulted. I have been paying this IVA for…
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My DRO progress
Hi Guys, this is my DRO journey. I think it will help reduce my stress levels and worry if I talk to others while in the process. I don't really have the confidence to talk to anyone about it and my family and friends arnt aware. It took me a lot of courage to go to citizens advise. I use to work full time doing 35 hours a…
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My debts are beyond me...
Hi all, I am struggling to properly support my family after meeting minimum payments on my debts. I end up adding what I have paid off back on by the end of the month. I think a DRO might be right for me. No assets, renting, under £20k debt. SOA below. I will be speaking to one of the debt charities shortly but a friend…
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DRO and PPI claim
Once discharged from my DRO am I free to pursue PPI miss selling and payday loan complaints? Thanks
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Iva nightmare
what iva companies are the best?
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End of DRO
Do you receive notification from the insolvency agency when your DRO has ended? Mine is due to finish on the 5th June. Thanks.
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I need help with a DMP
Hi Sorry I'm new here and have a question concerning a DMP, DLA and tax credits. Can somebody point me in the right direction please? xx
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IVA and Renting - help
Hi all I have been seeking advise about entering an IVA due to some recent financial issues currently in 5k worth of debt. However my wage is due to increase within the next few months as i will be finishing university and have a full time job lined up, and for the sake of struggling through is it really work taking out an…
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Yocking
Hi can anyone advise. I took out an IVA some years ago and completed. I have been clear of debt for many years now. However the company I used took charges in access of 12k which was an insurance premium against the debt. Can I claim this money back as this seems to fit the remit of PPI. Thank you in advance.
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Thinking of a DRO
Im after some help please, I am thinking of applying for a DRO. However my partner is unaware of my debts. He pays all the bills and the council tax is paid out of his account, but i put the money in via a standing order every month. I also pay for the food and vets bills etc. On the budget form, it asks for my partners…
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40,000 iva
It is my very first time posting so apologies if I am not doing this correctly, but does anyone else have recent experience of applying for an IVA of approx £40,000 ? I am terrified, any advice, experiences at all would be very much appreciated. What kind of repayment amount is generally acceptable, and are StepChange the…
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Credit Resource Solutions
My IVA was approved as of the 1st May this year, some of my creditors passed my debt to a company called CRS (Credit Resource Solutions) when I told them I was initially entering into an IVA. Now CRS are sending me a number of emails and texts saying they haven't heard from my debt management company. When I told my case…
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Stepchange IVA Full Payment Fees
Hi. I am receiving conflicting information and I need someone with experience of Stepchange to tell me approx how much I will need to pay in total to end the IVA with a 100p in the £1 payment. The figures are: Initial debt in IVA £28000 I have paid to date £4500 in monthly payments I am fully aware there are fees but some…
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DRO and credit file
Hi everyone Just after some advice, my DRO ended on the 13th April 18 However when I look at my credit file they debts still say default they haven’t changed to settled will this happened on its own after my names taken off the register or will I have to ring or email them to get them to change it Any help would be great…
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DRO and the dreaded budget planner
Hello. So my situation is as follows... My husband and I both work part time to share the childcare so our outgoings there are 0. But we both have debts, not built up through a lavish life style or anything, OH car that he bought in 2012 on a loan, and he got into pay day loans spiral (which was before we met) and I have a…
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Complex situation has arisen mid-DRO
So I was at the CAB for a different query when they did a benefit check. After going back with all my paperwork, they informed me I should ring up ESA as I should have been getting SDP but never have. I had been sent the form which I received/filled-in/returned (always keep proof of paperwork with details of what is what)…
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DRO and PIP review in the news
Hi all, thanks for your help with my questions so far - my debt releif order was approved :T my new questions/ concerns is: i currently getting PIP £310 per month my spends is board payments of £250 and £30 for my mobile phone(from the low payments i have not put things down like clothing prescriptions food gas electric)…
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Letter from debt collectors whilst applying for dro
Hello, I’m just finishing my dro application off but I’ve had a letter through the post today saying they are now applying to a court for a warrant of entry (unpaid fuel bill) obviously this has me extremely worried and I don’t know what’s best to do as I should have my dro application done by the end of the week, is it…
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Debt relief order and garentor loan
Hi all I've been advised by step change that a DRO is the best plan for me. I don't own my home, i have £14k worth of debt and little to no surplus income. I have two loans that my dad is garentor for and have been advised the debt would go back to him which is what i expected but he is not in a position to pay them and i…
