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Current mortgage with Northen Rock
Hi, My fixed period with Northern Rock has just ended. I've seen on other threads that is it possible to ring up the current mortgage provider and they can organise another fixed period. Northern Rock are also one of my creditors (I got a together mortgage five years ago) and i wondered how likely they are to give me…
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IVA or debt management plan
Hi all, I have currently got about £14k worth of credit card debt over 3 cards. My limit from those 3 cards is about £20k. I am struggling to pay off the credit cards as the monthly is about £250 per month. I also want to get a house but need a depoist. I am thinking of taking out cash money from my credit cards and then…
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creditors meet 04/08 br atcourt 06/08
my creditors meeting for iva is 04/08/2010 but a creditor is taking me to court for bankruptcy 06/08/2010 can just about raise funds to pay said creditor if required could i do this on day of court hearing if iva proposal is rejected ?
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Getting a mortgage having completed an IVA
Hi, I completed a one-off IVA in June 2010 and hope to get a mortgage at some point. Obviously the current climate makes this much harder however I would be grateful for any advice. Is it even possible to consider a mortgage or do I have to wait 5/6 years ? Many thanks in advance.
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Is this advice correct?
Hi everyone, hope you can help me out on this. My Mum has been on an IVA plan for the last 3 years and has 2 years remaining. At the time of entering into the IVA, she had gotten herself in some debt trouble and due to her low income, it was the only feasible way out for her. Time has flown by and she is very much looking…
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IVA but want to rent somewhere new...
Hi, this is my 1st time so bare with me...Both me and my husband have a joint IVA which we have just started. We are in privately rented accomodation at present but need to move due to living in front of 4 lanes of traffic on the A1 and my husband being mentally ill. (He's been in hospital for 6 weeks now) I have been…
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IVA and the Halifax
Hi, I have taken out an IVA due to debts with several credit cards and an overdraft on a Halifax current account. The halifax account was in joint names with my wife, but I was told that this was to be included in the IVA. There was an agreement that an allowance of £50 a month would be put down to my wife for her share of…
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Early stages of IVA worries
Hi. We are in the early stages of setting up an IVA via CCCSVA but are really worried about how to make token payments to our creditors while waiting to get things on track. We have our second telephone meeting with the CCCSVA IP next Friday but we have bills due before then. My husband rang the Co-Op to try and find out…
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Just in process of starting IVA - CCCSVA
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HELP!!!! IVA, credit checks and getting new bank account.
I have an IVA and this has been running for nearly 4 years, I want to check my credit history but don't have a credit or debit card. I also want to open a new bank account with a debit card. How can I check that my credit history reflects the iva and that its being paid? please help!!!.....
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Considering IVA or DMP - Non profiting partner quandry
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Please help ..feeling confused !!!!
Hello Everyone. This is my first post on this very helpful website !! My husband and I started our IVA agreement in March of this year. we are with payplan. Everything is going well at the moment. We have just been asked to send off our payslips on a quaterly basis, we have not got a problem with this but are just…
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IVA and Car written off
Hi there, so, 4 months into IVa and everything going well, but my car has been in a bad accident and has now been written off. I need to buy a new one, just not sure what the 'rules' are regarding letting the IP know and what I can spend. EG - paid out £1500 from insurerers, but if my sister GAVE me £300 towards a new one…
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IVA & a Joint Bank Account
I am just about to apply for a IVA with 23k worth of debt. Does it matter that both mine and my partners wages are paid in to the same bank account? Even though we don't live together? The debt is all in my name and nothing to do with her. Also Debitfree Direct have advised me to write letters to all of the credit card…
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Length of IVA and early settlement -any ideas?
Hello, I have been in my IVA for four years it was originally set at 60 months.Due to life up and downs i had it extended to 72 months so i could reach the original dividend.Low and behold Within three months of the extension i received a promotion at work and was able to return to making the original monthly payments, but…
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IVA, the "Common Financial Statement" and funeral expenses
although nearing the end of our IVA (originally with DebtMatters, then transferred to PayPlan) I have been trying to find out what 'categories' are on a Common Financial Statement as I have encountered a couple of things which have left me a bit baffled. Last year we put on a sum on our income/expenditure form for our…
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IVA and protection from default by my ex.
Hi, am total newbie and hoping you can help. My ex partner and i have a mortgage shortfall on a joint loan. I have made preps to pay off my half of this shortfall over a period of time (total debt is 60k), but have concerns over my ex partners capabability to make all his payments, I am very worried that the building…
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Advice regards what to do with cash
Hi Everyone, I am currently in an IVA. I have just gotten an new contract with a new company and I am making more than 2.5x what I was at my previous job. Now I am almost two years into my IVA. My IVA is only small (sub 20k) and on reflection it was a super bad idea. However.... The amount I am paying V the amount that is…
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Debt Relief Order - right for me?
Hi there, I've been looking up debt solutions this morning and I've come to the conclusion that a DRO might be right for me, but I don't know a great deal about these things and I'd like some advice from those who do! I'm starting university in September and am 20 years olfd. I completed 1 year of university in 2008, and…
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IVA and hiring a car
Is it possible to hire a car when on an IVA? I sometimes have to hire a car with my job . I use my credit card to book it, then I have to produce the same card that I booked on when I take hold of the car.I always get the money back. My question is if I go on an IVA will I be able to hire a car.I am hoping to get a pre…