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IVA / Public Liability insurance
Hi I am currently in the first 6months of my IVA, I am self employed but only part time in the construction industry. One of my clients is insisting on me having Public Liability insurance which I am really struggling to get accepted for. I have now tried probably 10 companies or brokers. Does anyone have any advice or…
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Research Request
Hi all - I'm trying to pull together a list of great debt management firms to deal with for our adult college. Anyone have any suggestions?
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In a tight spot
My last I've payment was the start of March. During my I've I neglected my car and as such have just had a big bill to sort it. What are the chances of me getting a payday loan which I will pay off asap?
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IVA I&E through online banking
This is my 4th year in my IVA with Creditfix iv one year left, i recieved a text message on friday saying my annual review was due and i could do this with an online portal which connects to my online bank account. In the 4 years iv had this iva creditfix have never requested an annual review and i can't find any where…
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Dro
Hi! My DRO is nearing completion, so I thought I had better look into credit reports and clearing them up. I have a noddle a/c and I am concerned that neither my Barclay's current account or a consolidation loan I had with them is appearing on my report but everything else it. Some already say settled. They also tried to…
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Getting back on the house trail after an iva?
I think you may get more responses on the housing board, so i`ll move your post there.
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DRO and Council Tax Question
just a quick question as i am still trying to get all my figures together for my debt and completeing the paperwork, is the council tax automatically taken into account as a debt and included in the DRO, i am getting a lot of conflicting information about this. thanks.
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IVA completed December 2014
Hiya IVA was completed in December 2014, had a PPI from Barclays in January 2017 which went to the IVA company as this was still showing on Barclays closed account, questioned IVA company on why they had this payment, they confirmed the company they used to track any PPI's when I was in the IVA, there may be still…
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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…
