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IVA Dispute Advice
Hi folks, I am currently in the process of raising a dispute against my IVA practitioner on the grounds of mis-selling and failing to provide requested information. I have submitted a formal complaint to my practitioner along with a DSAR. I have also filed a complaint with the Insolvency Service. To cut a long story short,…
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DRO help please!
Asking for my partner: Debt relief order applied for and approved, 2019. A month before the end date, £4,000 inheritance received. Declared to DRO and then DRO was cancelled due to the money received. No-one is chased the debts at all which total approx £15,000. Credit report is just showing 2 debts, one from BT and one…
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DRO - which intermediary and breathing space?
Hello everyone. I’ve had my lightbulb moment. I currently have approx.
£12.5k of unsecured debt which I can no longer pay due to a change in
circumstances, a situation which won’t improve at least for the next two years.
When the initial panic and shame subsided, I spent lots of time reading this
forum. The advice on this…
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Creditfix Annual Review
I am currently in an IVA with Creditfix, just had my 2 year review and I have a question for any current/former clients of theirs. I gave over my Income and Expenses both last year and this year in line with the agreement, however upon receiving my Annual Review Statement Email, in a section dubbed "Clients Income &…
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IVA still showing after 6 years
Hi,my iva was settled recently and I expected the debt to fall off as it was after 6 years started. I note that is is still showing on all my credit files. Am i suppposed to ask them to remove it?
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Considering a DRO...
HI Guy's So here's my story.. I am currently in debt by over £20,000 I have credit cards, a bounce back loan in my self-employed name and an overdraft. The debts are mainly for emergencies which have had happened over the last few years; car breaking down, business failing, holiday to see my Father in Canada who had a…
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DRO Approved - Now I get a job offer!
I've recently had a DRO approved (as self-employed) and I'll be discharged in just under a year. This is quite the relief as the debt hanging over me was making me miserable. Another thing that has been making me miserable is that I graduated in 2019 and as yet haven't found a job related to my degree... until now. An old…
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Joint council tax DRO
Hi, I included a small debt for council tax in my DRO which was granted in September this year. What I didn't realise as I had forgot was my partner is also on the council tax bill. The council are saying this debt shouldn't of been included as they can't split it there fore it must be paid. Is this correct? Whats my…
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IVA Slow to Complete
I entered into a full and final IVA in November last year (2022). All money was paid and the IVA was accepted by my creditors. It was passed in the local court. I am still waiting for the IVA to complete nearly one year later. Is this normal practice? My debt management company has simply said that they are still waiting…
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DRO, renting & when to move
I am wondering if to either apply for a DRO now (I'm eligible) or wait until I have moved house in hopefully next Spring. I've been back living with my parents but I plan on trying to find a rented property. It will already be hard for me to get a rental because I only receive Universal Credit, so a terrible credit score…
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DRO deficit amounts
Hi Guys, I am working out my budget for a possible DRO. I know you have to have no more than £75 left each month after you’ve paid all the usual household expenses. However what happens if your minus £200 per month. Would you still be able to apply? Thank you.
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DRO question
Hi don’t judge me but I’m considering getting a DRO as I’m struggling. I’m a little confused on how to make an income/spending budget on step changes website. I am married and all of the household bills and debts are in my name. How do I work out what income and bills are mine alone and not my husbands? Will they take my…
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Final year of IVA
Our IVA ends December 2024 We will have our normal annual review this December, will there be another annual review after this one or will that be it? What happens in December 24?
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DRO
Long story short I’m in debt 28,000 worth of debt. I can’t make a dent and after a lot of research and help I’ve decided to take out a debt relief order. I know it’s going to kill my credit score but I’m worried going forward how I’ll be able to rent has anyone any advice or experience with one of these. I work and have…
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Trying to pay off Iva early
Good morning. We have 18 months left on our iva and my parents have offered to ‘gift’ the money to close it. We were with vanguard but we have been transferred to ebenegate. Ebenegate have told us that they do not have our file from vanguard so nothing can be done until the new year, leaving us in limbo. Is this right?…
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IVA: Useless Administration of IVA
Hi all, Long post ahead! Read some really valid and valuable posts on here over the last several years and was hoping just for a bit of information/guidance with my ongoing IVA. I took the IVA out in 2019 as I had loans/credit-cards totalling £40k. I don’t own my home and privately rent and went through the motions of…
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Ebengate sigh
As the title says. I’ve been on this iva for near since 2016 the changes from vanguard to this company. They keep ringing me for updates on new card which they are not having they also message me to say I’m in arrears which I’m not then have an excuse saying it’s now in 2020 we’ll I have that payment on my bank. I be…
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Iva early settlement
Hi I think the last time I posted I got the information so I will start again . I am a beneficiary of a will . I might inherit between 8,000 and 10k i informed my advisor and they our going to try for early settlement . We our in our iva 52 months . We would have 3020 left to pay . He is going to put an offer in as we…
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Can an IVA be mis sold?
3 years ago I approached a debt help company in Manchester. I currently survive on benefits I claim ESA and PIP. The PIP payment can't be included. So my income is £200 a week. I had debts of £25000. I was told that an IVA would be best at £69 a week. This has been tough for me in the current crisis but when I call still…
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Iva completed
My IVA has been completed over a year today I got a letter from Lowell saying they had brought my debt. What happens now? Will they except that it was cleared in my IVA?