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IVA and pay rises
Hi! At work I've been offered to increase my hours 5 hours per week. I'm a bit confused about whether this extra cash would go straight to my IVA each month? I am aware I only have to give 50% of overtime etc over a certain amount, but if these extra 5 hours a week are part of my 'salary' the IVA would make me give them…
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Claiming for ppi after Iva completion
I've not looked at this forum for a while as my Iva completed in 2015, but I've now looked at reclaiming ppi just because there's a deadline and I've not done it. Spoke to a company yesterday who said they won't touch claims unless the Iva completion is more than six years ago. I thought they'd got things mixed up but…
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DRO - public information?
Good afternoon! I have a question I’m finding it impossible to get any answer for. I understand that a DRO is on a public register for 12 months plus 3 months, and on your credit file for 6 years. However, how long does it remain in the ‘public records’ section of your credit file? For example, a CCJ remains in the public…
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DRO lump sum and business
I have just submitted my paperwork for a DRO with Business Debtline and have been told there is a 9 week wait. My debts total £13,200 mostly on credit cards. I was ill last year and unable to work as much as I used to and ended up getting myself into arrears. In the meantime, a family member has sold a house and I am…
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Submitted my DRO
Hi im looking for advise on how long it takes from submitting DRO to the insolvency service through step change to being accepted or rejected? I have been told by step change 10 working days but after finding information on forums alsocome accross a lot quicker time scales (although I'm not sure how up to date they are as…
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Refused authority to be a signature on a Club Acco
Hi, hoping someone can help? I have an IVA, I took it on after being made redundant. I have cleared all but 5k of it, started with over 40k. I had a great job, and could afford the credit at time. I have never defaulted, either before or during the IVA, I now owe 3 people, started with 8. I still have my mortgage, and have…
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DRO - Getting Married and Partners Credit File
My partner has been told by a manager at his workplace that if I get a DRO it will effect HIS ability for a possible promotion IF we were to get married. Even after the initial 12 month period and for the next 6 years. We have no plans to get married YET but just want to know how true this actually is... He works for a…
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DRO Preferred Creditors?
I've received the final paperwork from step change to check before paying and sending off my application for a DRO. Upon going through each of my creditors to get the final balances, I've noticed that a debt I included with the application form is now at 0! It was £88 and was with Wonga.com, and it was the final instalment…
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Dro questions
Hi I!!!8217;ve applied for a DRO. I!!!8217;ll try to keep my questions brief. I!!!8217;m utterly at my wits end and stressed out about it. I!!!8217;m mainly concerned about the 12 month period after and it seems very tight however having not coped emotionally over the debt the chance to be sorted is very tempting but…
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DRO - living with my partner who is a HOMEOWNER
Hi Guys, just wanted a little bit of advice... So I filled in a form through the Step Change website today with all my incomings/outgoings/debts etc.. The website then advised I should apply for a DRO. I knew I qualified as I have been researching DRO quite a bit recently. It is definitely something I would like to go for…
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7 year IVA and they want more??!!
Hi I have been in an IVA for 7 years. After the original 5 I was asked to look into equity release. Had no equity so it was extended by a year. Then at the end of that year I was advised it had to be extended by another year. Made the final payment November 2017, thought that was it. Now I've been told my final earnings…
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Spam
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Help please... DRO
Hi guys.. New here... and struggling a bit I left a well paid job due to absolute stress of managing 150 people daily and took out new employment 7 months ago. I earn 25k a year my partner does not work as we have 4 small children . We receive tax credits and child benefits but our commitments and debts just don't fit with…
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DRO still on file for 6 years?
I was granted a DRO on the 5th Feb 2012 and i thought DRO could be taken of the credit file last Nov but looking into it, it seems it may be 6 years. So is that still the case 1 year active 5 more years on credit file, so won't be taken off till Nov 2018 am i right? All1
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Creditor appeals
Hi, my DRO was approved on 25 January :beer: I am just wondering if a creditor decided to appeal my application would I have heard about it by now?
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DRO - debt still showing as defaulting and open
Hi all, I’ll be really grateful for any help given. My partner has a DRO which was discharged on the 31st January 2018. From a recent credit report he has found that one creditor of seven has still got the account as open and defaulting throughout the period of his DRO and to date. He has contacted them and they have told…
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After dro still showing defaults
Hi..my dro ended in sept 17..however my monthly noddle report is showing default on two of my debts which were included in the dro..the others all say satisfied..do i need to contact these to update their records?thanks.
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DRO queries, one possibly silly one
Hi guys, i’ve started the process of applying for a DRO and am waiting to hear from CAB. They say i should recieve an appointment with one of their intermediaries next week, probably for the following week. Ideally I would like to pay for and submit the DRO form the same day as that appointment. The CAB have already seen…
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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?
