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F&f iva
Hi Is anyone able to advise when my IVA will drop off my credit file please? I started an joint IVA in July 2009, but defaulted in mid 2011. We were gifted funds to use as F&F by parents in September 2011. Proposal was put to IVA company and had F&F accepted in April 2012. Completion certificate was dated July 2013. My…
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Furious with Coventry/Noddle
Just venting some anger here IVA taken out October 2010 Paid off early in 2015 on a F+F IVA completed six years October 2016 and all other debts in the IVA plus the IVA dropped off my credit file in November so my credit rating went up to Good with clearscore and 3/5 on Noddle Logged on to Noddle over the weekend and one…
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Applying for mortgage
Iva just dropped off record, payed off early in 2013, started in 2010, will I have any troubles getting a mortgage? Have many people tried with any luck?
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Should I carry on with my IVA?
First post on the forum so hello to everyone, I took out an IVA around 8 months ago for debts that were around £12,000 as I spoke to Harrington brooks and they had said that it would only cost me around £98 a month. Turns out that they contacted me after their meeting with creditors to say that it would be £173 a month,…
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IVA Company Ripped me Off By Nearly £4K
I am asking advice regarding a company called Debt Free Direct. In June 2012, they set up an IVA for me. I had 4 creditors, and a total debt of £11,124.46p. All debt was unsecured, ie credit cards, personal loan and catalogue. The first yearly review went fine, my payments stayed the same. The second year of review, they…
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IVA failed help
I have debts £9000 all payday loans and mobile phone bills. i started an IVA 2 years ago my circumstances have now changed a lot so i am no longer able to afford the payments. When i spoke to Knightsbridge my IVA providers all they told me is that my IVA will fail if i stopped paying and my creditors will now be able to…
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DRO ending - what happens now?
Happy new year everyone. My DRO will be 1 year on 6th January. Can someone fill me in with what happens now. Do I get any kind of paperwork or can creditors contact me at all now? Sorry for the ignorance. Many thanks in advance :)
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Selling house 2 years after full and final offer
Advice needed please I took out an IVA mid 2012 two years in we put forward a full and final offer which was accepted, the cert of completion was issued in Dec 2014, we are now considering selling our house which has some equity (didn't have any back then) now im sure I recall the house being put under some embago so we…
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End of IVA and PPI...help!
I'm really hoping someone can help me! My partner made his final payment on his IVA last week (yay!) and then yesterday got a letter from the IVA company, which if i'm honest, we didn't understand. It's basically saying that they plan to claim his PPI (he's not sure how much this is but remembers signing a letter about 2…
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what do you think?
My final payment to my IVA is March 1st. I enquired with my IVA company as I had not been contacted to do my annual review which they normally do at Christmas time. I phoned them and they said I dont have to do one since the IVA finishes March 1st. Normally I send them my p60 when I get it which is usually in my May pay…
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Am owed thousands by ex. I have IVAs now
Got credit card debt, gave cash to ex. He will not pay me back despite promising he would. I have numerous text messages stating he would. He has now inherited some money & dumped me. How do I get what is owed to me? He lives in EU. I don't have any spare cash at all. My credit rating is worthless. I am such a fool, I…
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DRO Balance or settlement figure?
Hi All, Today I went to CAB to get advice about a possible DRO my question is one of the debts we have has 2 figures. The settlement figure and the balance. Now I am a bit confused, we borrowed 15,000 with an APR of 16.9. When speaking with the creditor they have given us two figures, one a settlement figure of £14,900…
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iva completion advice
Hi, My partner and I have paid into an Iva over 7 years. We have now completed all our payments. The original debt was £56,359.20 We have paid in £36,711.55 Ppi asset received £12,44.00 Total paid in £49,155.55 I am slightly confused as to why we have to remortgage. Deducting what we have paid in against what we owed is…
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Unclaimed money from my Iva creditors has been sent back to me help!
Hi everyone, I would be very grateful for some advice please. My IVA came to a successful end in 2011but took another 18 months has to receive the completion certificate as debt free direct was chasing PPI payments from my creditors. I was really annoyed by this as it kept me officially within the IVA for any extra year…
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Two more payments left.
I have two payments to go in my IVA last payment will be made on my 40th Birthday. Should I be doing anything now or preparing to do anything? Also I usually do an annual review about Christmas time but haven't been contacted by payplan to do one since my IVA final payment is March 1st I am assuming an annual review isn't…
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Defaulted IVA 10 years ago still on credit report
Hi all, new to this forum. I entered into an IVA which I defaulted on. The court date for which was back in 2006. I've been slowly re-building my credit and have requested an equifax report. The IVA is still listed under court information as a public record. I thought this should have been removed after 6 years? No other…
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Reduced debt offer letter
I hope someone can help with what to do next. I have received an offer letter from a debt company to pay 33% of the debt. This amounts to £188. I was visiting my parents over the holidays and the letter says today is the last day to contact them. I do wish to accept this offer but am not sure how to continue or what to ask…
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Full and final IVA closure - what happens next?
Hi everyone, I'm in the third year of a 6 year IVA with Debt Free Direct but have offered full and final to finish the arrangement early. The meeting with my creditors is scheduled for 10 January and assuming they agree I wondered what happens next? Will they need to conduct any more reviews of income and expenditure or is…
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£15,000 fee for 6 month IVA extension!
I attended a meeting with my IVA supervisor to sign the paperwork relating to six month extension to my 5 year VA, and to also 'have an adult conversation about his fees' There was no 'conversation' about fees, I was simply told that he was not prepared to carry out any further work unless I agreed to his fee of a further…
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IVA Solicitors -help
Hi - i have received a very recent inheritance £140K my IVA is £62K - ( been paying £200 pm for 3 years) I asked for a final settlement figure and the company has advised it wil be £83K + charges To be defined. Are there any solicitors around I can discuss this with as it does seem very unfair?? Andy
