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Review food, toiletries and cleaning
We are having our 1st annual review and at the moment we have £100. a week for food, toiletries and cleaning for a family of 5, this is not enough but as our mortgage went down we have had a little extra. I wondered what everyone thinks, do we need to pull our horns in even tighter or could we ask for more? Thanks
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Joint Mortgage and sole IVA: Can i get another mortgage?
Hi first time posting on here...hope you can help? I went into an IVA in January 2010 and obviously I am aware that I can have no credit for 5 years so 2015, but my husband has recently queried as our 2 year tracker mortgage finishes at the end of this year...he is convinced we will have to sell our family home as i won't…
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Equifax do not recognise a DRO?!
I am going out of my mind with this one! Basicly I want to join Virgin Media. I was with talktalk but have serious internet connection issues, and my phone has become a fax line when anyone tries to call me. I have had these issues getting worse for the past year, I contact talktalk, the faults team explained to me the…
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Help and advice needed please x
Hi, I am considering an IVA or bankruptcy and would appreciate some advice on what would be best. My situation is that I have about £45k worth of debts in loans and credit cards which my ex-partner totted up during an abusive relationship transactions under duress and fraudulent transactions. I am currently in contact with…
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some advice required for Debt Relief Order
I have a total debts of some 8k which were accumulated over the past 1 and 1/2 years. I'm a university student and I used to work part time. However, I lost my job recently and I could not see myself getting employ in the near future. I must admit about 60 percent of my total debts were caused by my bad habit playing…
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Annual reviews.....
Can anyone tell me what happens at your iva annual review? Do they ask you for your whole years bank statements and pay slips or just the last 3 months worth? Our iva was only approved last week and just trying to find out what's in store for us!
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Advice on debts included in an IVA
Hi Im asking this on behalf of a friend who has split up from her husband. He has entered into an IVA, about 5 months ago, and included their joint bank account overdraft (2k approx) in the IVA. My friend is now being chased by a DCA for payment towards this debt. Is she liable for it although it was included in her ex…
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Into the last 6mths of IVE & no equity?
Hi & hoping someone will be able to assist. My husband I are in an IVA, which is due to end in Oct 2010, so 5mths left to run. I am just sending back our payslips etc for the last 6 mths and called my IP to confirm what happens between now & Oct 2010. I have been dealing with a lady who has now left the company, so spoke…
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Letter from Link Financial 1 year after IVA completion
Hi everyone, I completed my IVA just over a year ago and once I'd received my certificate did the post IVA credit file clean up as recommended on the forum. All was well and good apart from a small glitch with Nationwide who didn't update the default date correctly. So I've been happily debt free for the past 12 months…
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Help elec being cut off
I have being having murder with electricity supplier. My girlfriend lost her job in december and we got into arrears. She now has a new job and have asked several times to begin repayments of £120.00 per month. First of all they said they wanted to fit a card meter but now saying they want to cut me off. That is ascary…
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How much does it cost to set up an IVA?
I've seen the figure of £4k, is that pretty standard? Thanks.
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DRO - Old account not heard from??
Hi just looking for some advice on DRO for my partner. He has debts of around £11.5k that he is looking to do a DRO for asap, I can't see any reason that it shouldn't go through as he meets all the criteria. The only problem is on top of the £11.5k he has about another £2.5k from an account he hasn't heard anything from…
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my incoming and outgoing - what would i pay?
hi Been advised by CAB today to go down iva route, but I am a little confussed as to how much i would have to pay each month into the iva and hoping you guys can help please?, i have debts totaling 21k and these are my incomings/outgoings monthly - Net wages 2220 (partner also receives 2 x 10.50 child tax credits and…
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Fed up of waiting for DRO to be processed.
Has anyone managed to get the BR fees from a budgeting loan before? I am thinking of just going bankrupt instead but a budgeting loan is the only way i can get the fees sorted.
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IVA approved
Well, my IVA got approved Wednesday lunchtime, very strange creditor voting- Barclaycard rejected mine but approved hubbies but it didn't matter as the largest creditors all agreed. Feel happy that its sorted but also a little sad aswell to admit that we're "insolvent" Just looking forward to 5 years time when we'll be…
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what equity to release
Hi everyone who is still awake. Just a quickie, I think. I understand in year 4 of an IVA they may ask you to release equity in your home. Is this to pay the last year of IVA payments or to clear the actual remaining debt? Thx
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do you have to be a homeowner?
hi do you have to be a home owner to have an iva?:think: tia
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debt help desperate
my husband and i have about 55k in debt. i am currently not working as have four chilren one of which is a new baby. we are currently going through cccs on a dmp but one creditor has passed on our debt to directlegal who are being nasty. on dmp we wont be debt free for about 29yrs should we consider an iva please deperate
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Bank account whilst in IVA
Hi I wonder if someone could let me know their experience of bank accounts while in an IVA. I used to bank with Barclays, but as they were one of my creditors I opened a Co-op account which I have been using ever since I started to apply for the IVA. However, due to the occasional problem with the Visa card issued by Co-op…
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Renting when in an IVA
My husband and I started IVAs at the beginning of March. Since then he has got a new job and we are in the process of moving house. We have discussed with our IP as we currently own but this has been cleared. We will be renting partly due to this speeding up the process but also because there is no way we could get a…