-
Reposession hopes?
The Mortgage company have just written a letter which is to notify us their intention to instruct their solicitors as we are 5k in arrears. So they have finally got the ball rolling. The house, mortgage and everything that revolves around the house is in my parents name. They currently live abroad and the reality is that…
-
DAS or IVA?
I am currently on a DMP through CCCS - this was started in August 2009 adn up until now things have been ok. Came home from work tonight and received court papers!! ARGH!!! I am really stressing about this now!! Originally we saw a money adviser who said we could manage to struggle!!! i knew we couldn't this is the reason…
-
Agreeing on finacial statement.
Ok so I am coming up to my yearly meeting and have just had a phone conversation with the lady dealing with my case and I just want to scream at her!!! We were going through my expenditure and she said to me well you can now afford £503!!! I was like how does that work when I now pay full rent of £575!!! She was like well…
-
IVA....Scared
Hi,* Please be patient with me I am wanting advise as I am at my wits end,cant sleep etc I expect people here know what I mean,whats worse is I know its my own fault,I have always put providing everything for my family before considering the consequences and now I am paying the price.Although I am just about paying the min…
-
IVA'S- how it does it affect your partner
I have been in an IVA for nearly a year in which our joint overdraft of £2500 was included.No problems until last Friday when my wife received a letter from previous bank demanding she pay up within fifteen days or she would be blacklisted. Can they do this?.Surely if this bank agreed to their part of the IVA then how can…
-
DRO and council tax
Hello everyone, Please can someone tell me if council tax can be included in a DRO? thanks
-
dro ASSETS?
Hey guys Im asking this question on the behalf of my mother shes not quite clear on the assets part? what do they class as assets? also i live in the same home will my poccessions be affected!? Thanks sam
-
I'm not sure if this is the right place..
But I'm in a major hole. Over the last 12 months, I've seen my marriage dissolve and a period of 'no fixed abode' placed upon me, additionally, I've been made redundant from a good job (30k+ pa), this was a job I'd been in for last than 12 months and so there was no redndancy payment made. As a result of me having no…
-
Full and Final IVA and rebuilding
Hi all, I managed to arrange a full and final IVA in 2008 through MacCambridge Duffy (Highly recommended for their customer skills btw) We raised the funds for this through a private loan with my in-laws which we are paying the repayments to them over 5 years. (4 to go) Basically my wife and I have a 5 year plan now, that…
-
DRO & Bank Accounts
Hiya, I am currently considering a DRO and have a few questions im hoping someone will be able to answer. 1) Ive been told my current bank Barclays will take my debtit/online banking away from. 2) I have now been told i could get a cash card with nationwide with online banking (this is important to me because i have a…
-
IVA Help/Options
Hello This is my 1st post, so please be gentle. Last year I agreed to start an IVA with payments of £275 a month. After 5 – 6 months through the first year I fell in to arrears as my girlfriend was pregnant and we needed things for the new arrival. After about 9 months I wrote to the IVA company asking if I could reduce my…
-
Post IVA Clean Up - MBNA have done it again!!!
Hi all. As some will know I have just finished my post IVA clean up........or so I thought. The last on my list was MBNA who just needed to show my Default date as the IVA commencement date. It has only been 5 months now in the waiting. They had done this as required last month.....Yay!!!! Went onto Experian site this…
-
Defaults
Helloo...does anyone know if there is anyway to get a default removed now that it is satisfied or even if the money has been written off and there has been no activity on the account at all?! I know really that they are supposed to be on for 6 years but is there not like a nice begging letter available to request it to be…
-
A new question - different IPs for different payment levels?
I am so pleased by the quick and considered responses to my first question on this forum that I have very quickly come back with another. I originally started investigating IVAs via the very helpful forum on the iva.co.uk website. Through reviews and recommendations on that forum I gravitated to an IP called Melanie Giles,…
-
waiting to do a debt relief order
i have been offered a debt relief order. i am waiting to get the £90 together and to arrange my bills around allowing for the £90. i just wanted to say that i am needing this so badly i am a bag of nerves, paranoid, cant open the door, open letters and dont want to go near the phone. my debts arent credit card or huge…
-
Selling car during IVA
Hi all, My husband and I are 6 months into our IVA and he is looking to change jobs to something a little better paid. Another advantage of this job (if he gets it!) is it comes with a company car. I already have a lease car through my work and he has our other car, which we will sell if he gets this job. Does anyone know…
-
IVA - Not what I thought!
Hi Im a newbie here but would like to explain my position and perhaps someone mayer be able to offer advice. After many telephone calls and after looking at my debt spiral I decided to take advice via Baines and Ernst. They did an initial interview to ascertain my circumstances and then passed me over to Blair Endersby a…
-
New Bank Account
Hi, I have just sent through my details to CCCSVA for getting started on an IVA and I need to get a new bank account set up asap. I am now worried as I have missed payments etc that a new bank won't let me set up a bank account due to poor credit history etc and was wondering whether there are any banks that are good to go…
-
This Board....
I thought was for help and support of people considering or already in an IVA. Would the people who only come on here to slag off IVA's and basically telling everyone who has an IVA that they should go bankrupt as that is the be all and end all of debt management and sorting out, kindly begger off back to the bankruptsy…
-
Iva/dmp?
Hi all, After reading some of the other posts in this forum, it's given me a lot of hope knowing that I'm not the only one who is in a pretty terrible financial situation. Right, my situation might lead to me getting a bit of grief, but here goes. I'm 26 years old, I currently have 8 creditors and 36000 of unsecured debt.…