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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?
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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…
