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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…
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Converting IVA to unsecured loan
I haven't posted on this forum before but I was wondering what people's views are on converting an IVA into a loan. I have recently completed the third year of my IVA out of a six year term. The terms and conditions of my IVA are pretty straightforward and I know exactly what my commitment is each month and the exact end…
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IVA Equity Release and Getting Divorced so not in Property
Hello all I'm currently in the last year of IVA and have received notification to get relevant things in order to assess options for equity release. The house I own with my soon to be Ex Wife, she lives in the mortgaged property with our children. I have been moved out 4 years and I am currently still paying the mortgage.…
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2nd DRO
Can I apply for a 2nd DRO Was granted one in September 2010 and successfully completed it. Suddenly and unexpectedly I have lost my job and haven't got anything in the pipeline as yet. Was earning good salary so could easily service my debts! Cheers.
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What now?
I made my final IVA payment on 1st March (60 month IVA) what now? I haven't heard anything from payplan yet.
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IVA Completion
Hi there, I was hoping someone could help. I made my final payment on my IVA at the end of Dec 2016 and called my IP this morning to chase up my completion certificate. They advised that they were still waiting for some of the creditors to make a claim as they had not had any response. When i questioned the fact that surly…
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Finally debt free but have a question x
I started my IVA on 2009 and today I finally received my completion certificate :j it's been hard most of the time and I've shed a lot of tears but there is light at the end of the tunnel so just hang on in there. Advice on building credit rating gratefully received. I do have one question a loan that was included on the…
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Inheritance, windfall and IVA.
X has an IVA. Parent recently died leaving a part of a house to them.( one third of half the house ... 1/6th ) Other parent still alive and owns the other half until their death. Does X have to declare this to their IP now.? Will says they cannot sell it unless the Parent still alive agrees.
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IVA equity calculation
Hi I took out an IVA with Cleardebt in June 2010 which completed in October 2015. I was then informed that it had been taken over by Aperture. I had already completed a valuation on my house and gave mortgage redemption figures to Cleardebt. As of August 2016 I had heard nothing from Aperture so I contacted them to ask…
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Dro jul 2015 advice please :)
Hi guys new to this forum so I hope I am posting correctly and in the right place! Basically after getting some advice from Payplan they have advised that a DRO is the best solution based upon my circumstances. I do have a few questions however.... 1) I get a standard salary that appears as BASIC PAY on all my payslips.…
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IVA and new pension
My partner is in the middle of an IVA and has been notified by her former partners pension provider that her entitlement to a share in her former partners pension can be applied for shortly. She has options for partial lump sum or deferral. Her IVA administrator is not aware of this entitlement. She could defer until after…
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F+F help and redundancy
Hi my parents have offered to make a f+f payment to end my IVA as I am on the sick on full way with work related stress. It looks like I may receive a settlement payout from my employer to end my contract early as they are looking for redundancies at work. My question is, if I put a f+f offer forward now and I accept a…
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Dro advice please
I received a entry to county court for one of my unsercured debts last week, I think it was Friday, I have mental health issues and have not paid anything off my debts since around 2013/4, I owe around £11k in total (2 debts with new charges added to the one as entered to court) and I am not paying interest, I have done…
