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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…
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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…
