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Bank account closure in DRO??
Hello all, My partner is looking into a DRO (awaiting pack from StepChange, DRO was the recommendation option) He seems to fit all the criteria, however to took out a 'lending stream' loan last week to help pay his credit card min payment :huh: I'm assuming that this will be a red flag as he knew he was insolvent at the…
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Got my cert of completion, but when will my creditors file be updated?
Hi everyone, I've recently completed an IVA early with a gift from a family member. I was three years into a 6 year arrangement. Debt Free Direct have now sent me my completion certificate - woohoo :T - but have said in the accompanying letter that once SIX years have passed from the date I took out the arrangement, my…
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Entering an IVA can I change job to work in Insurance?
Hi, I'm just about to enter an IVA as I currently work as a taxi driver with my own car which over the last 5 years has put me into quite a lot of debt. I am looking to re-enter the world of Insurance as a customer service advisor which i used to do about 9 years ago but I am worried that I won't get past the application…
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Dro questions re ppi
I was going to apply for a dro, but I've had a letter from an old credit card, fully paid off years ago, the money that will be coming in needs to be earmarked for a car... The car would be over the 1k mark, reason bring in disabled and need the reliability of a descent car, my car cost me £600 last yr in mot... dreading…
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DRO and redundancy
Quick question...im halfway through my DRO..and i may get made redundant within the next 4 months.ive worked out i would get about £1600 redundancy pay but this would be used to pay my rent and bills for a couple of months.is this going to revoke the DRO?this is worst case scenario as there are options for redeployment…
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16 wks since proposed F &F settlement on IVA
Hi, I'm hoping someone can advise me of how to move things along.. as above I put a settlement offer in back in October 2016 which was an offer of only £300 short of what I would have paid over the full term of the IVA (thanks to a family member willing to help me) they requested all the information I would usually provide…
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TDX GROUP LTD TIX Credit into my bank account?
Hi I am in my second year of my IVA and sporadically small amounts of around £4 ish are coming into my account from the above company, I realise they are to do with my insolvency but why are they crediting me back? I have received no correspondence regarding the credit. Also could I ask, I have been doing overtime at work…
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Fri and bristow and sutor
Hello, I was visited by bailiffs from bristow and sutor and I stupidly let them in and they took a written goods thing and agreed to a payment plan , my finances messed up and I went with stepchange who put me on a payment plan as I have other debts too- but now my wages ahave reduced and stepchange are working with me to…
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Need advice regarding AST and guarantor
Hi all. I was successful last week in obtaining a dro for 17k of credit card, overdraft and rent arrears (assured shorthold tenancy) debt. I was helped by citizens advice. The circumstances that led up to this point were in brief mental health difficulties at university that led to withdrawal from my course and moving out…
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F&F offer with Payplan 6 months!?
No longer relevant
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Help
I know this is the wrong thread, but I need some advice, firstly I have received a CCJ today. This is going to make me sound like a really irresponsible person, but during the time of this debt I was declared bankrupt, and the debt is a utility company and they didn't claim, so could I raise this in defence. Also all…
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IVA Land registry restrictions
little advice needed please.. i have Certificate of completion from my IVA in 2014 as i made an early final offer which was accepted, however i am in the early stages of selling my house and the searches have found, the restriction on the land registry still applied, should this have automatically been lifted once…
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PPI Claim yet have an IVA
Can anyone advise?? I am currently on a IVA sorted by myself with 15 creditors and without the help of a debt management company. These are over six years old and do not show on my credit file, which is quite good compared to the money I owe. As I have had loans with these 15 banks, could I claim back PPI?? I have repaid…
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What are my chances?
Hi Everyone, I just wanted people opinion on my F&F, I started my IVA 3 years ago and I have 23 months remaining and I pay £140/ month with a dividend of 44p in the pound. I have been struggling with mental health issues due to the IVA and it's beginning to have a negative impact on my job, so a family friend has decided…
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Post IVA Bank Account Application?
Our IVA ended December and we have both now received our completion certificates. When we went into the IVA we went with the Co-op, we have HATED being with the co-op for the past 6.5 years and always said, as soon as we could, we would change bank accounts. My husband wants to go with First Direct. I on the other hand…
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PPI after IVA
I have recently completed an IVA (Sept 2016) and have the completion paperwork confirming this. Last month I received a letter from HSBC regarding a graduate loan I had and the PPI Insurance Complaint regarding this account. They requested all sorts of paperwork and signatures from the IVA company so I sent them a copy of…
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DRO Advice
Hi, I'm currently in debt for £19,500. I have been researching DRO's and have a few questions I was hoping I could find the answers to here. I have never missed a payment on any of my debts however I feel that I am at a stage now where I am having to use available credit to meet my minimum payments. 1. Will I be granted a…
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Tix (the insolvency exchange)
Hello everyone, I have a question about TIX.. i have a creditors meeting on the 3rd of April. I found out is more nearly %30 of my creditors are represent by this agency. I have made purchase with Very within 6 months an ipad september and an laptop on november. I heard very shop direct usually ask for modification or…
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DRO Questions.
Hello, I've been reading these forums for awhile and think a DRO is the right way for me to go. I have debts of £15,900 (all in my name) which I am unable to pay without the help of payday loans and other borrowing from family and friends. I have a few questions before I proceed: I am married with a joint bank account…
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Patience is a virtue
I know it's hard to hear as I was in the same position but patience really is something that needs to be learnt in an IVA. I've seen so many posts on hear from people say "how soon can I get credit", "how quickly will the IVA drop off my credit file", etc. It's nearly 2 years since I completed my IVA and my credit rating…
