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end of debt relief order
wife is coming to the end of her debt relief order,what happens do they check you income and expenditure again,or is it like my bankruptcy when the date passes without hearing anything from the o/r were really looking forward to freedom again,anyone know thanks for your replys in advance
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Can I get a contract phone after DRO?
Hi My DRO ended in April and I want to start building my credit back up. I have applied for the pre paid credit card and been approved but I also want to get a mobile as my husband and I are seperating and I feel I need one for emergencies such as breaking down in the car, problems with the kids etc...Anyway I am on PAYG…
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Credit report is wrong after DRO - I think?!
Hi I got copies of my reports from the three companies and on all it says that I still have outstanding debts to two of my creditors, my dro ended in April and they were definitely included. Surely it should say settled? Also, I have an account with Avon where I order and then pay when stuff arrives - is that going to help…
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iva full and final settlement
i have just offered a full and final settlement to my ip they have rejected it because they said that over the term of the iva i will only be paying back 15p in the pound instead of 19p the iva has been running for 18 months i have offered to put in an insurance policy that is maturing they are now saying i have to put…
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IVA now failed, next step ????
hi all please help, myself and hubby have an iva each, both have now failed, we have been given the papers which are going to the creditors and the court. could anyone tell me what is the next step..... many thanx
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One month down
59 more to go!! Made the first payment on my IVA today. Even managed £5 extra (as 50% of extra income). Not a lot but every little helps as they say. I'm so relieved am now paying the debt and not just the blooming interest!
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Credit fil
i have completed my iva in march and was checking my equifax file. Does anyone know where in the equifax file i can see my credit score as i have looked through it but cannot see it anywhere:A
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Iva help needed
Hello we are in debt big time.My wife has a gambling problem.We have got debts with 3 companies. I work but my other half lost their job and I suppose that put us on this downward spiral. A couple of months ago our old car's engine blew up and I needed a car for work.Foolishly I bought a car on a credit card as it was the…
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help.....
ive just found out that im gonna be made redundant and i have a iva, ive been with my present company for over 10 years. now if i get my redundancy are the iva entitled to some of the money. please let me know
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IVA paid time served how do I get it off my record?
In May 2004 my husband and I took out an IVA- in September 2006 we sold our house and were able to clear the debt. We were with Debt Matters and had loads of problems with them but eventually they sent a letter to confirm we had paid. Equifax and Call Credit accepted the letter- Experian refused and continued to send out…
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Debt Management, an IVA & Freeman Jones
My wife and I have £30,500 of debts on credit cards, a loan and overdrafts. I have spoken to an IVA company called Freeman Jones who have suggested I pursue an IVA with them, with monthly payments of £310. This is far less then my current payments of £510 per month to the companies I owe money to, and would allow us to…
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Impact of an IVA on a company director and his business
Hi all I am in the process of sorting out an IVA proposal (been on a DMP for 2 years) and am the sole director of my own limited company. Whilst my personal credit score is obviously rubbish (with most of my accounts in default status), does anyone know how a personal IVA will affect my limited company's credit scoring?…
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IVA Problem
Hi I originally got into debt in around 2005 for around £20k with store, and credit cards and loans. I approached Baines & Ernst as i was struggling to pay it all off and they said they will sort out a debt plan for me. They told me to stop making the payments and setup a new account which i did with lloyds tsb. I then…
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Thinking of an IVA
Hi all I have been browsing the forums and have now decided to seek further information. We are looking to go down the IVA route. I have a question Are we able to set up an IVA as a couple with combined debt as to "individual debt"? I have creditcards and 2 loans, the wife has 1 loan in her name, and we have 1 joint loan.…
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COMPLAINT WITH IVA PAYPLAN- really need assistance as dont know what to do!!!
:( Hi Everyone, I feel i have been misold an IVA with Payplan. I have emails stating the payments should be £150 for the five years and no mention of any bonus of overtime being deducted at any time. when i realised this was going to be deducted payplan said that if i had any major bills to pay ect that month and needed my…
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Limited company with an IVA issues
Hi Everyone, I am just here to ask if anyone has had experience of setting up as a LTD company whilst in an IVA. Long story short is that I have been offered several contracts but in order to take them (Have already started with some) I need a limited company. I am still waiting to hear if my IVA will allow me to do it…
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Cccs- iva?
Hi, i was wondering if anybody has taken out an IVA with the CCCS ?. We are in the process of going down the IVA route and hadnt noticed much feed back from anyone who has gone through them.We are at the stage of sending all the info of our accounts etc. So far i feel they are on the ball and are really helpfull. Its just…
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Completed IVA and Interested in a Mortgage for Shared Ownership can this be done???
Hi I wonder if anyone can help me. For 5 years I have been paying off my IVA and finally made my last payment in May, HORAY! I have been told they processed it the 10th June and I need to allow 3 months for it to complete off and for me to receive my Completion Cert. I have been looking for a place of my own and have come…
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Anyone done a DRO?
I am about to call NDL to ask them all about it and find out exactly what would happen, but I just wondered if anyone here had first hand experience with one?
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Credit file clean up after DRO
Does the same principle apply to your credit file clean up after a DRO as it does after bankruptcy? Should it be updated with a default date and a "Balance Satisfied" date as the discharge date of your DRO? Thank you