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Landlady chasing rent arrears 2 years after dro
I owed my Landlady rent of one month due to losing a job, delays in benefit payment and then struggling to pay debts. She knew I was taking a dro and agreed that the arrears can be included. This was 2014 and the rent has been paid on time since 2013. Out of the blue she sent a text last month demanding the arrears to be…
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just finished an IVA what next ??
i've just finished my IVA at 5 years by paying all my creditors with a remortgage as required. a couple of things have cropped up .. when i started the Iva, i hadn't missed ANY payments but was constantly going over my overdraft and incurring big bank charges .. The IVA provider told me i would be best off going down the…
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IVA and house move - possible foul play issues!
Hi guys, bit of a complicated one this so I'll post a timeline of events first with my questions after; 1. Me and wife apply for joint IVA 2 years ago 2. Joint IVA gets rejected, sole IVA in wife's name is accepted which contained debts for total of 4 creditors totalling approx 8k. 3. Each year wife had to submit…
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DRO 4 years still showing default
Good evening, thanks for a having a read and maybe being able to advise. I had a DRO in May 2013 and discharge may 2014, if I’m honest I’ve stayed away from checking my credit report and the last time I looked was 2015. I have just gone on to Equifax and noodle (for some reason Experian is pending further checks!) it’s…
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DRO showing on register?
Hi, I submitted my application fro a DRO with stepchange late afternoon 27th October Friday, it's been 4 working days since and my name hasn't showed up on the online insolvency register... Should I assume my application has been rejected or could it take longer? I've read it should only take 24/48 hours 😕 Also if there…
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Five year DRO sold to debt collection agency!
My partner did a DRO back in March 2012, he was discharged from it in March 2013. A letter turned up last Friday,from a debt collector, asking for money, for a debt owing to Next Directory, which was included in the DRO. We still have all the paperwork, anyway, the letter threatened the usual, they will pay a visit, Court…
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DRO and creditors.
My DRO was discharged on Saturday (maybe today as weekend?) and I was just wondering how long it took to show on my credit file that my creditors have marked it as partially settled or partially satisfied??
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mis-sold an IVA how can i sort it out??!
sorry for the repost ..put a bad title on the other one... i've just finished my IVA at 5 years by paying all my creditors with a remortgage as required. a couple of things have cropped up .. when i started the Iva, i hadn't missed ANY payments but was constantly going over my overdraft and incurring big bank charges ..…
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Getting IVA on track or getting rid...
I am asking for advice for my now partner. My questions are around what his next steps should be. History: He has an IVA started in Dec 2012 and to which he has been paying £1 each month since August 2014. The IVA was originally with ClearDebt (now Accenture) and the low payment started because he was made redundant. The…
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IVA company has gone in to receivership
Been in my IVA for three years now. I have had some major problems with them earlier this year of harassment trying to get more money out of me when I simple can not afford it. Only just informing me this year that I am in arrears of over 3000 since Nov 2015. Just got informed this year in April 2017 about that. I have…
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S.O.A: about to start IVA. advice please
Hello all, I've read this forum for a long time now but this is my first post as I'm in financial trouble. Some background: I work as an architect in london where I rent a room in a shared house with friends. Its a classic story of using debt to live in London whilst the debt mounted up and more of my income was used to…
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6 Year IVA + 1 Year
Hi there, Looking for some advice, in the next 2 months I finish a 6 Year IVA + 1 Year totalling 7 years of payments. Once I pay my last payment in December will I need to wait to sort my credit file out, as the IVA only stays on your file 6 Years from the start of your IVA. Would this mean also that my completion…
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DRO through stepchange waiting times
Hello there, Just trying to gauge how long the wait is from sending the DRO application to receiving the bar code. I've read on here it's roughly 6 weeks but wondered if anyone got there's sooner? I submitted my application via email over a week and a half ago but I'm really impatient. 😊
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Updating of insolvency register
Hi I was wondering how often the insolvency register is updated? Would it be a live update or overnight? I had my DRO application from the intermediatory sent over lunch time on Friday so dont really know when i should be looking out for it on the register? Any help would be much appreciated.
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Insolvency & dro
Hi I was wondering if anyone could tell me what happens once the intermediary sends the completed debt relief document to the insolvency service? Is it just an automated system or do they run checks on your outstanding debts, salary with the inland revenue etc. Also from the point of the intermediary pressing the button…
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Boyfriend went to CAB and was told he wouldn't get a DRO
Boyfriend was made redundant, when I come off maternity leave he's becoming a stay at home dad. He's currently got temporary work and is paying off what he can for his credit card debt. I offered to pay what I can out of my wages when he is no longer employed, because I work he's not entitled to any benefits while looking…
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Ccj
Does anyone know how long it would take in missed payments before being given a ccj? Currently waiting for my DRO to go through which may take a while and I'm starting to panic 😬 Tia
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DRO discharged but still have defaults
A couple of months ago we were told by our landlord that she will be retiring soon and will be selling her properties. She has offered to sell it to us but we don't want it because it's going to cost a lot of money to put right and would rather find somewhere else. Anyway, we have had two mortgage advisors try and get us a…
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IVA and renewal mortgage
I'm currently in a fixed term 5 year mortgate which will end in 2019. Cut a long story short, I may have to go via an IVA route as I've got over 20k+ of credit card debts. Question...will it be difficult for me when it comes to renewal? Can the lender reject me? Bare in mind that I've never missed a repayment for my…
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Wanting to change to IVA but have joint debt with ex husband
As part of my divorce I agreed to take on the loan / credit card debt and to keep the equity in the house (it works out the same amount). This was to save me selling the house as I am a carer for my autistic adult son as we would have been homeless. The divorce etc was stressful enough so this seemed the best option at the…
