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First time buyers with dro on credit file
Hello, Me and my fianc! are currently saving to buy our first home together, We've managed to save 5K for the deposit and we are currently dealing with Santander but my fianc! had a DRO in the past and it's still on his credit file and will be now for another 2 years due to them staying for 6 years. Santander have said we…
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Finally have mortgage
Started and iva November 2010 which I payed off in 2013, dropped of my report in November last year along with all my defaults have today received my mortgage offer from Halifax with no issues at all Just shows how easy they can be after an iva
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PPI and RBS
Hi, I'm new here and been searching to see if anyone has received a letter from RBS (or any other bank) relating to the Green v Wright case? I received a letter last week from RBS stating that they are awaiting the appeal before settling to either the Supervisor or the Customer. The letter also states that if the…
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Iva enquiry
Hi, I'm 55 in May and in the final year of an IVA agreement. Is my pension exempt from the agreement if I surrender any or all of my pension before it ends? We are with Payplan.
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IVA & HMRC Refund
Good Evening, I am currently paying off my debts with an IVA. One of my debts was to the HMRC from my failed business, last year the HMRC changed my tax code and started taking money from my pay through my employer. The HMRC agreed to the IVA! I did manage to get my tax code changed back after about 6 months, do you think…
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should I apply for an IVA
I have been in a DMP since April 2011, it is a joint plan with my husband. We have paid £6444 so far but still have £21500 left our estimated completion date is Oct 2034. I am not happy with the company that arranged the DMP, I have a CCJ as they didn't pass my payments on to the correct company early on in my plan, and…
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DRO end - does anything happen?
Hi, I am about to approach the one year mark after my DRO being approved. Just wondering whether anything happens - will I receive a letter from the Received to confirm it has ended? Will I receive anything from my creditors? Thanks
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University and an IVA - please help!
Right, I started my IVA In October 2014, since I was made redundant following the birth of my 2nd child I have found it difficult to be happy in the dead end jobs I seem to keep picking up. I have a dream and I want to follow it. I have just separated from my partner after a mentally abusive relationship where I have been…
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Failed IVA
I had an IVA which failed a couple of years ago due to the fact we couldn't raise the lump sum required in the final year. Obviously we still owe money and have had to make the decision to sell our house so we can pay off the debts, most of which have been sold off to debt collection companies. Is there an average % figure…
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Aperture IVA - Acting without Authority?
Hi all, I am at loggerheads with a company called Aperture regarding a closed IVA & PPI. Back in 2006 I entered into an IVA with a company called Debt Matters which was subsequently transferred over to a company called Grant Thornton. I had to complete a letter of authority and agree to the terms and conditions set to me…
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It's over
After 7 years my IVA is officially completed :j. Today I received my completion certificate which I've been dreaming about. My IVA started March 2010 with Grant Thornton and to be honest they have been very good and I haven't had any issues with them. When I my IVA started it was meant to be 5 years,but you can never plan…
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DRO- Is my car an asset?
Hello there, I have a simple enough question that I'd be so eternally grateful for an answer to- I have a logbook loan out on my car, and I am led to believe that this means it's no longer technically mine. I intend to try and get a Debt Relief Order this coming week and wanted to know if this car will count as an asset…
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What happens to unsecure loan on mortgage, when IVA is finished.
Hi. I'm in an IVA because my mortgage company manipulated me at a vulnerable time to put my unsecured loan into my debts, as what I owed the bank, wasn't enough to be in an IVA. The IVA finishes next year. What happens to the unsecured part of my mortgage? Does it get written off or continues to be paid until the end of…
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IVA & PPI Extension
Hi there, Im after a bit of advice if you dont mind. My IVA was supposed to end in April 2015, In June the IVA company sent us a letter stating that they are going to have to claim PPI and this would extend our IVA for 6 month. A week ago we get a letter asking for us to sign authorisation that they can chase for this PPI,…
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Bankruptcy & mortgages
Can anyone help me please... I had to declare bankruptcy nearly seven years ago and I was wandering which, if any, banks or building societies would give me and my partner a mortgage. Lloyds want a huge deposit and Santander won't help because of the bankruptcy. Any help/advice would be greatly appreciated, thank you.
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Iva and credit rating
I'm just over a year into a 6 year iva. Is there any way I can build my credit rating while I'm in an iva? Any help will be appreciated Thank you
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SOA help for DRO.
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 0 Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax....... 800…
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Completion certificate
Received certificate today:j:j Just wanted to check clause about PP I and IVA trust assets. Is this standard and should I be concerned. Comments please.
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IVA almost done
Hi I'm due to complete my IVA at end of March which will be 6 yrs from date started I can't wait! But having spoken with our IVA ( Varden nuttal) they are saying when final payment has been paid we will then go to completion but this will take 6 months!!!??? They say that they have to go through the accounts but surely…
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EE mobile phones and IVA
I'm in process of entering into an IVA. I had four phones through EE which were all paid for through my business and theyre only a few months from end of contract. If I add the contracts to the IVA will/can EE block them even if we swap the sims? i.e.. via the IMEI number? I'm loathed to hand them back given they've had…
