-
iva questions -
hi there, to start with my i thank all on this forum for advice i have already read. i and my ex partner are considering an iVA as a way of managing the debts we have accrued debts. we bought a business which has now gone into liquidation but we incurred loans/CC debts when we where trying to keep the business afloat. we…
-
Letting agent and IVA
I'm shocked! I posted in the house renting section yesterday about our problems with even getting viewings for places to rent. Finally we got a viewing yesterday, but the letting agent doesn't want to touch us now because I told them I completed my IVA in F&F in March i.e. I have now been discharged!! Doesn't make a…
-
DRO ends tomorrow.....how should my credit report look?
My DRO ends tomorrow (fingers crossed):T, and I have just had a nosey at my credit report. The report overview says amount owed £0, and all creditors listed as default......is this correct?
-
Trust Deed
I was wondering if someone could help me out. I have recently been discharged from an IVA (2008) and in that time i have been attempting to get my rating on the up. I have however noticed that information on experian is very wrong so been busy tryin to sort that out!! Can some please confirm when the info will leave my…
-
Cant have IVa
HI we been in debt management for two years with Payplan today we got what a lot of others seem to be getting which is Marbles starting to charge interest again. (wonder if the government told them too!!!) ANyway with the interest we will now never be able to pay this debt off so we thought we would look at an iva spoke to…
-
problems renting with iva
hi I'm currently living at my parents house and was due to move into rented accommodation next week however it looks like it has fell through as I was not accepted by rentshield due to having an iva.I made them aware of this on my application plus the new landlords were aware of this and everything was ok. Had good…
-
help on an iva please
my wife has just been told she can only get an iva if both our income and expenditure are shown ??!! let me explain we live together for a finance point of view only and we have sepetate accounts and no financial asscoiation - its her house so surely this is not right that they ask me to be included ? i have stated i will…
-
IVA proposal help needed
Filling in my IVA proposal and need some help with the summary of events leading to my finacial difficulties. How much am i expected to write?How much detail? Can anyone give me some guidance, thanks
-
private renting a house & renting ours out, can it be done??
Hi all Were in year 4 of our IVA, and its flown by!..Its a joint IVA and weve been good. The thing is, i start university in September, and want to move closer to the area, quicker, easier and cheaper, and my son is getting in with bad crowds were we live....after just getting over cancer i want a fresh start....and to get…
-
Equity release in year 5
Hi I have 4 months left of my IVA (or rather I hoped I did). The original arrangement requires an equity release of £37k to complete the IVA. I've just spoken to my mortgage provider today, and despite having ample equity, they point-blank refuse to consider a further advance. Having done a bit of research, I suspect this…
-
IVA taken over!
Can anyone help? I took out an IVA almost 3 years ago , the company that were supervising it have been taken over by another, and I'm not convinced they are acting in my best interests! Is there anything I can do? :(
-
currently on a DMP, considering an IVA Advice needed please
Looking for some advice please. We sterted our DMP in June 2009, with the CCCS. We currently pay £300 a month which means we pay our creditors about 1/4 of them amount we use to pay each month & constanlty have them on our backs, especially LLoyds TSB. Ous debts are around the £50k mark (mine & hubbys combined) and if…
-
Divorcing, how to move forward?
I am just entering the process of divorce on top of awaiting my IVA proposal to be drawn up. Really I'm cleaning up my life after feeling like I've been dragged through the myre (sp) for so long. It is (so far) amicable, but I want to stay living in my house. I built it myself and put my heart and soul into it. It is the…
-
Help someone please, it's too much.....
I am gathering up all my bits and pieces for my IP and everything will be returned tomorrow. I am 50k in debt, My OH is about the same and he is going through his own IVA and at the same stage and he hates the sight of me... Basically it is ALL my fault and I can't live with myself for that. We made a bad decision to…
-
Pay rise while in IVA
Hi I started my IVA with CCCSVA in January, and I assume that I will have an annual review in December / January. I have recently been informed by my employer that I have received a cost of living rise of 2.3% back dated to 1st April - I have written to CCCSVA to inform them of this. My question is will some or all of this…
-
really need advice
last year we entered into an iva, at that time we were claiming tax credits and both working. now we've had our tax credits cut as my wife had her hours cut, and the child care element was totally reduced. so we were £500 short each month according to the iva advisor. they told me to petition for bankruptcy by i have a…
-
Lloyds tsb/bank of scotland - any experience?
Hi I was just wondering if anyone has any experience of dealing with Lloyds TSB or Bank of Scotland with their IVAs? I am currently looking into an IVA and hopefully will commence the process very soon, (just waiting for a callback after making the first very nervous move to contact CCCS!!!!). It is Lloyds and BoS that we…
-
Desperate for advice and where to start with setting up an iva!!
Hi - please help, I'm in desperate need for some advice on the way out of my mess! My husband and I are £55,000 in debt (all unsecured), we do not own our home, we live in a rented property. We are really struggling, we have been for a while, but it's that old 'stick your head in the sand'. We have to address the problem…
-
Renting a property with an IVA
Obviously when renting they run credit checks on you and I have an IVA and my partner has debt management program in place. So ho do we go about renting either privately or with an agency when they run these checks - I don't want to fork out more money for checks if they are going to say no straight away when they see our…
-
Confused
Hi My wife and I are both on an IVA and have had a statement ( or whatever) each. This shows our debts and what has been paid etc. there is a joint loan and bank account so each paying of on iva ,is it right that the full amount should be on both of our statements or should they be shared between us as it seems we are…