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debt relief order and Virgin Media
Hi I hope all well, Can anyone help? I have an Debt relief order put in place in march this year. Virgin Media has just become an option on my street. I signed up but they have refused because of my poor credit. I have offered to pay up front, I am told they still have pass a credit check, and they no options. Has anyone…
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Default notice after IVA completed
My IVA was completed in August last year and I have had the completion certificate. The other day I received a communication from Link Outsourcing, who bought one of the debts in the IVA from the credit card company. It is a notice of sums in arrears and says I have failed to maintain payments on this account. I'm a bit…
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Chased after DRO
Hello, I would appreciate some advice to put my mind at ease. After struggling with debt for over a decade, I was approved for a debt relief order last year. My moratorium period has elapsed, but I have received a letter from a debt collection agency asking for payment on one of the debts included in my order. I phoned…
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Full and final offer query
I've just started an IVA with credit fix of £105 per month over 5 years. Over the weekend I came clean to my partner about my finances and he has kindly said he will offer credit fix £5000 as a full and final offer. Ive emailed my consultant at credit fix and she instantly messaged back saying this will be rejected as the…
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Torn between IVA & Bankruptcy...
I've got £61K in debt accrued through a business failure and personal debts. I have no assets at all and now unemployed. However, I'm on the jobs market and being interviewed for jobs in the region of £40-45K with company car. Now whilst that sounds a lot of money, by the time I've paid 40% tax and a waft of tax for having…
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How long to approve DRO ?
Hi StepChange put my Debt Relief Order through whilst I was on the phone last Thursday 23rd February about 11am - 12 Noon. I have checked the Insolvency Website and I am not listed on there. I did try Friday Saturday and half day Sunday but the website was down. I am kind of worried as most people have heard about their…
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Completed IVA and Sainsbury's Bank
Hi everyone, I've recently successfully completed an IVA arrangement early by offering a full and final settlement. I've received my completion certificate but last week received a statement from Sainsbury's Bank demanding payment. It hasn't been unusual to receive the odd statements from my old creditors and each time I…
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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…
