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DRO & Salary sacrafice vehicles
Hi everyone I am contemplating a DRO and have a question which the debt charities cannot seem to answer, I wonder if anyone has experience of my problem? I currently have a salary sacrifice vehicle through my employer and was wondering what the official receivers view would likely to be on this? Would they include the…
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Barclaycard still chasing after DRO
Hi all, I am coming to you all again for a bit of advice if you'd be so kind. I was granted a DRO in April 2016 and was discharged in April 2017. All of the creditors have now marked the debts as satisfied or partially satisfied on my credit report and I have started to take steps to rebuild my credit rating. I'll cut a…
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DRO and increased car insurance
Hi im new to this and just hoping someone could possibly help me please. I had a DRO back in 2014 which lasts for a year so ended november 2015, i understand this shows on my credit report for 6 years but i noticed last year when searching for car insurance renewals my quotes had gone up considerably so i stayed with my…
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IVA/Home Insurance/Car Insurance
Hi all, I’ve been a lurker on the board for some time now and thought it was about time I contributed and ask some advice considering I’ve seen some amazing advice being given out on this forum to others! Thought I’d give you all a bit of history first so you know where we’re at! My husband and I entered an IVA in March…
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DRO was made but still received Deductions from Earnings!
Hello, This is some kind of a horrible nightmare at the moment cause the main reason I made DRO was to exactly avoid situation like that from happening. I was approved DRO in June 2017 and from October 2017 my employer started to deduct money from my wages for council tax which was of course included in my DRO. Employer…
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Parking Fine
Hello All, I'm in the process of sending my DRO application (going to scanned documents and send tonight). I've received a parking fine today so didn't know about. Can I include it in the DRO? I can't find a clear answer by Googling. Its from a company called Smart Parking not council?
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Is IVA really an option?
So, I just used the debt remedy tool on step change. The main suggestion was IVA! I'm pretty happy with this as I want to take some responsibility towards my debts and have so many issues with bankruptcy and getting in trouble and my already fragile mental health can't cope with that.(application dishonesty, selling my…
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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…
