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Mortgage after IVA
Help please! I've just been declined for a mortgage by Halifax because I was in an IVA which I successfully exited in 2014! Can anybody that has been in an IVA and has successfully got a mortgage afterwards please tell me their lender or a broker they used? Many thanks
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DRO & Council Tax Bailiffs
Hello everyone! Background: Fulltime student so exempt from council tax payments for the next 1.5 years. For the last 2 years the debt has been with bailiff after bailiff. The council refuse my offers and refuse to take it back. I've never been informed that the bailiffs have sent it back. I just get new notice. I do not…
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Applying for a DRO - Questions and Queires
Delete - No longer need advice
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DRO - Aqua are saying that I owe more money?!
I had a DRO put in place in September 2014 and the yearly period ended in September 2015. Over the last couple of years I have been sending letters to the creditors who were still incorrectly showing as "defaulted" on my credit report. I hadn't received any responses until I got the Financial Ombudsman involved and now…
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New mobile phone contract with ongoing DRO
Hi, I have recently entered a DRO and I’m left with around £30 a month spare cash. My mobile phone has just broken, though. And I essentially use it as a laptop as it’s small enough to put in my pocket, yet powerful enough for all my work needs. I recall seeing a letter which states that I cannot obtain credit for over…
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DRO not showing :/
hi, just looking for a bit of advice, granted A DRO end of may this year, checked my experian report the month after and score ihad gone down even lower reason was that a bankrupcy or insolvency was added- which i was expecting. fine. now iv checked it again and since end of july my score went up slightly saying i no…
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Unfair Equity Release Cost?
Hi, I am 8-9 months away from the 5 year IVA Term which commenced March 2013. My original debt was £35k and I am up to date with payments which have been £256 per month. My IVA company have now referred me to a 3rd Party (The Select Partnership) in order to see if I can release equity from my property. After I have…
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IVA/mortgage
Has anybody had any experience in getting a mortgage after being in an IVA? My IVA was 8 years ago so has long dropped off my credit report, however my mortgage broker is pushing Halifax as a lender who were one of my creditors on my IVA (credit card debt)! Will they still hold records of me?
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Appointment with DRO unit?
So I have recently applied for a DRO with cab and the lady said I'd hear from them this week for an appointment which can be done over the phone! Does everyone have this and what do they ask? I thought once applied you received your barcode to pay. I've not yet received my final soa from cab, do j need to wait until I…
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Am I eligible for a DRO?
I've had advice from stepchange and they say that I'm not eligible for a DRO for 2 reasons. One, on two occasions within the last month I've had no money and no food and took out a wonga loan for 3 days so I could eat. When my ESA arrived they were paid off. Apparently this preferential treatment discounts me from a DRO.…
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End of moratium period
Hi my first year of dro is finished this weekend and i cant tell you how relieved i am but what happens after??is there anything else i need to do??thanks.
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Credit file,linked addresses, IVA
Advice please?? I'm just about to apply for a mortgage so checking my credit report on Experian, which is excellent 999, I found a linked address entry source to be a 'Max Recovery'! Upon further investigation I found out max recovery is actually the company my IVA was with 8 years ago (so no longer on my credit report).…
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IVA change of circumstances
Hi all, I am just over 3 years into my iva with grant thornton (now aperture). I'm paying £199 a month towards £50k of debts. Not much as changed regarding outgoings in the last 3 years but I have gone from self employed to working 20 hours per week. My take home salary has dropped from around £20k to £10,600.00 I look…
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DRO & Mortgage Advice
Hi all I need some advice I've been trying to find answers on Internet for days! My fianc! has mortgage on the house we live in in his name because I still have couple of years left on my dro. I am a named occupier n doesn't bother me that it's in his name. My query is that because it's in his name he can only go of his…
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DRO Questions
HI all, My partner and I are thinking of doing DRO. What happens if some of our debts are joint, do I have the debt or put the full amount? Also if a debt is years old do I include it or just include all the ones on the credit files? Thanks
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DRO favoured creditor??
Hi I have been reading a lot of the information available on these threads arounds DROs and I have to thank you all sincerely as it is absolutely invaluable and I am sure many feel the same. I am in a situation in which this information is very relevant and I have to ask a question that I have not found an answer to.…
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Am I eligible for DRO?
Hi all. Will try to keep it brief. Basically been getting into debt since becoming single mum. Owe about 9000. Paid every month the payments but have been breaking myself and going without in order to do this and I can't do it anymore. Am on income support and other benefits. Is child maintenance classed as income? I get…
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Iva and injury claim settlement
Hi there I hope someone is able to help, or has been in a similar situation. I am very anxious while awaiting an outcome from my IP. Basically I will be receiving a personal injury settlement for 11k, I started an IVA last year and have an outstanding amount of 6k to pay, already have spoken to someone at my IVA company…
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DRO approved what now?
Hi All DRO has been approved a few days ago, but still worried and anxious thinking something will happen! When can i relax is it true my creditors can object? and have 28 days to do so?? I have been truthful not taken any credit out for nearly 6 months and really living off nothing each month, im just frightened something…
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IVA Issues
Hi, I'm looking for some advice about what to do with my IVA company (PayPlan). I have been in my IVA for just over a year and during that time I have kept them up-to-date with all of my developments. I have informed them of my two job changes and sent in details of contracts and payslips and all of a sudden they have hit…