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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?
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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…
