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DRO Advice
Hello, first time posting to try and unbury my head out the sand I've been browsing the net and Money Wellness points me in the direction of a Debt Relief Order I have 3 CCJS (Totalling £2295.79) and currently owe £7472.05, I've also have £478.30 in rent arrears with my local authority that i pay off at £25 per week. Car…
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DRO
hi i have a lot of debt and wanting to know how to make an application for a DRO relief , is it the CAB i need to go to thanks
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Unemployed with over 3k debt
Hi everyone, I unfortunately got made redundant in June of last yr and due to poor mental health and the current job market I have been unable to find work. I had debt before I was made unemployed but I was paying it off but due to my unemployment I am unable to continue to pay off the debt I was already in and I am now in…
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Trust Deed - Scotland
Can anyone help with info on a trust deed please? My hubby has one with Carrington Dean, original debt was £7k. We took this out in 2021 & at the time he was working. In 2022 he was too ill to work & we told CD this. We gave a new budget etc but they never lowered the monthly payment of £156 even though we were on UC with…
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After a DRO......
How would someone clear of the DRO end date get the only remaining outstanding debt on a DRO (and included) removed from thier credit file? (it was never escalated to a CCJ or High court action) £6000 car arrears, car was repo and sold
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DRO Income change
I wonder if anyone could give me advice or experience. I am a few months into a DRO. I am a carer and have just been made redundant. I made an old carers allowance application back in May 2024 but I spoke with carers allowance advisor requesting that they put it on hold. We agreed that once my contract end date was given…
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Email from Bailiff - is this legitimate or a scam?
Good afternoon, I apologise if this is not in the correct place. First time poster. I received an email from a company (BCL), claiming that they are requesting a 'legal notice of attachment of earnings'. Upon reading the email further, it says I have options available to me to avoid a CCJ. I've replied to the email a few…
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Moved: Please can someone advise me and help me.
This discussion has been moved.
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IVA NOW HOLDING ME BACK ON MORTAGE COMPLETED 4 YEARS AGO STILL HAVING DEFAULTS REPORTED
IVA Timeline of events / POST FOR MONEY SAVING EXPERT FORUMS WHY ARE CAPITAL ONE STILL REPORTING TO TRANSUNION A DEFAULT YEARS AFTER MY IVA HAS BEEN SETTLED ? AND WHAT CAN I DO TO GET THIS AMENDED PLEASE AS IT IS HOLDING ME BACK ON MY CREDIT FILE NOW TRYING TO OBTAIN A MORTGAGE ? IVA Timeline of events IVA START DATE :…
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Potential IVA
I have been recycling 0% credit cards for just less than a decade, it has now caught up with me. I have had to take a significant pay cut at work (around 20%) and my other half is critically ill and been signed off work for 12 months (as of April 2024), she gets sick pay but it reduces over time. I have approx £51,000 debt…
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Feels like I'm being pressured into an IVA
So basically I am in around £29000 of debt and in June I made the decision to stop repaying as my whole month wages was going within a week purely to repay debts. I got in touch with Stepchange and completed the budget and it left me with £46.17 left over a month. They recommended either a Debt Management Plan or a DRO. So…
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Wrong D.0.B on my DRO
My DRO was approved yesterday and I noticed it has my date of birth wrong. The day and year are correct but the month is wrong. Who do I contact to get this changed?
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DRO Dilema - £45k debt
Good morning everyone. I’ve finally plucked up the courage to create an account here and face my problems head on. I’ve read here for a while but I guess I was too embarrassed or scared to actually post. With the new changes to the DRO I am no eligible due to the higher threshold of debts. Long story short, my mother died…
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Unfair Modification to IVA?
Hi all, We are currently looking to go through an IVA - We have approx 54k of debt and our family home we'd rather not lose. A large portion of the debt is to HMRC (self employed tax debts) We've been going through with The Advice Center for our IVA, and negotiations have come to a close, with HMRC adding a modification…
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Wrong Creditor
I just received my DRO draft to sign and ensure everything is correct. Concerning my council tax debt from last year, it has got down South Staffordshire Water PLC as the creditor. I'm not sure why, as I told them it was South Staffordshire Council, which I thought would be obvious. Or am I missing something? I am on the…
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Creditfix IVA - in DESPERATE need of help!!
Hi All, I hope everyone is well :) This is a bit of a long post so sorry, but I would really be so grateful of your advice on here. I am looking for help with an IVA that took out almost 6 years ago now, back in April of 2019. To give you all some back-story, I had around 9.5k debts back in 2019, I was 20 years old. I have…
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DRO HELP
I am in a debt relief order until April next year and I need some advice as I am making my self poorly with stress. Am I allowed to withdraw cash from my bank or does it all need to be card payments so I can prove what I spent my money on if they check ? There I are times where I need to pay cash and I’m too scared to…
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Renting out my House while in an IVA
I am a year into my IVA and am shortly moving away to live with my partner. I am wondering if I can rent out my current home to my daughter and her boyfriend. I have no idea how to go about this or how much it will affect my IVA
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Completed IVA advice
I commenced with an IVA in 2019 and after 4 years was able to offer a full and final payment. The IVA has been settled for almost 1 year now. My question is… my partner has some savings in an isa, but more recently has been given a gift by her friend who’s won the Euro millions 2 weeks ago. Our plan is for me to open a…
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Iva termination and future credit
Morning everyone. I am currently 43 months in to my iva and it is now not working for me anymore I need to finance a new car as I have a new job in London and my car is not ulez compliant which is proving difficult with my iva. I am in a better financial position then when I took out the iva and the question I have is has…
