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Iva help pls!!!
Hi All, I need to get some advice pls... I got married 3 weeks ago, and my husband has an IVA. As wedding gifts, we received lots of cheques payable to mr & mrs. As we do not have a joint acc, neither of our banks will cash them! If we open a joing Savings account, will it financially link us? I have really good credit and…
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Letter in post this morning
Hi, I'm new and currently very stressed!! I hope you wonderful people maybe able to offer some advice. In December 2009 my husband and I entered into an IVA. All was fine until I had this letter today. It is from a company in S!!!!horpe asking me to call them as they had "important information" for us. I googled the name…
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How exactly to start a Debt Relief Order started with CCCS??
Hi how exactly do I get the DRO from CCCS?? As i just did the debt-remedy online, and then did the 'Live-Chat' with an adviser, but all he did was look at my income vs outgoings and debt from my debt remedy, tell me that i wouldn't be able to offer any repayment for the debts as i have less income than i do expenditure...…
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How exactly to start a Debt Relief Order started with CCCS??
Hi how exactly do I get the DRO from CCCS?? As i just did the debt-remedy online, and then did the 'Live-Chat' with an adviser, but all he did was look at my income vs outgoings and debt from my debt remedy, tell me that i wouldn't be able to offer any repayment for the debts as i have less income than i do expenditure...…
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How exactly to start a Ddebt Relief Order with CCCS?? And what info i need to hand??
Hi im going to start a Debt Relief Order through CCCs to write off just over £9,000 spread between 4 credit/debit cards, and £280 on a Brtish gas electricty account. *Ive already sent letters to Hlaifax asking for a total breakdown of exactly how much every debt on each account is, and what debt collection agency is…
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Credit clean up problem (ICO)
Some background, I had some troubles in the past so entered an IVA to help myself. Later I was able to end this early and so completed it successfully. Last year was the 6 years post IVA so the time when my credit reference should be clear so I can start again, or so I thought… I checked my credit reference through…
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IVA - start process now or wait
Evening Folks, I'm currently doing a self administered DMP, paying £176 per month on debts circa £56k. My other half returns to work in July, so I've been thinking about how to move things forward - staying on a DMP will leave me in debt for what feels like an eternity. I like the idea of an IVA and have looked into them a…
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IVA decision but what to do first?
Hi I have been avidly reading this site and am feeling much calmer now as a result - thanks to you all :) However I am just not sure what to do first in order to make things run as smoothly as possible. My husband and I both have debts (although his are my fault) and will both be filing for an IVA. Currently we have a…
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D M P Help
Hi everyone It's dawned on my wife and I that we can no longer bury our heads in the sand. We're constantly treading water every month and its getting increasingly harder month on month. My job entails me working away from home a lot leaving my wife to juggle a 1 year old a part time job and the finances every month and…
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help thinking of an iva?!
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Credit Rating
Hi, my experian accounts all show "satisfactory", what does this mean in credit terms?
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Advice Please
Afternoon all, i am currently at the the cusp of year 4/5 and facing redundancy (not definate but work in construction and the warning have just been announced). Parents have very kindly offered to make a final payment to close the iva early to try an relieve some pressure, usual parent loan type arrangement (interest free…
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Vol repossession
I wonder can anyone advise me is it ok to sign voluntary repossession form from bank when entering into an iva?
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Help please.
Hi, I have been reading over some of the forums and everyone seems to know so much about this process, so thought I would write about my situation and see if anyone can offer any kind of advice because I am clueless. I met my EX boyfriend when I was 17 and we got a joint morgage when I was 19 and he was 24. At the time, he…
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IVA and joint Credit
Evening all, Just had my IVA approved..yay!! We all know its not ideal but it has sorted me out so that I can live again. I used Freeman Jones who made the whole thing hassle free from start to finish and did not mind my many many questions. I have questions though which I was wondering if anyone could shed a light on for…
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Panicking - Debt Relief Order (DRO)
Hi, Sorry to keep posting :-( I had planned to go to Bedford court on Wednesday morning to present my own voluntary bankrupty to the courts. I had read about a "Debt Relief Order" previously, as my debts are just under £15,000. But I had passed over the idea because it said if you had more than £50 left over a month then…
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IVA: free advice v commercial agents
I am on a never ending DMP and about to start an IVA and want to see if anyone can shed light on whether non profit making organisations would be any better than a commercial agent in doing this. I had previously treated all commercial firms with great suspicion and always advocated the help provided by the likes of…
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DRO application advice needed please
Hi I am applying for a Debt Releif Order with the help of National Debt Line and am completing the first set of paperwork they want returnred. I have a "creditor details" sheet to fill out which asks for The original creditor name and which debt collection agency it is now held with amongst other bits of information…
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IVA- any help/ advice would be great!!!
Hi everyone, I have spent a long time reading the comments posted and I am glad to say it has helped greatly. I have recently separated from my husband. I have 2 children and am taking responsibilty for the house and bills. He will pay £230 towards the children each month. I earn just over £2000 per month and can just…
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To remortgage or not with IVA?
Hi, My husband and I are just 2.6 months into a potential 5 year IVA with W3 debt solutions. We pay £370 per month. When we started we paid £225 per month for 60 months, subject to review (wages increase have caused inrease). In addition, equity in our property that was estimated a t£30.493 then is to be realised at year 4…