IVA & DRO

A question about : DRO help needed

hi .
I wonder if someone can help me . I'm currently applyed for the DRO (Debt Relief Order) , but my quesion is can the creditor refuse the DRO ??. because that what happen to me today when I let one of my creditors know that I'm apply for a DRO . Now I don't know where I stand , if yiu can help that would be fab . thanks

A question about : iva dispute

A question about : iva recommendations

hi guys sorry i'm constantly posting looking for recommendations for IVA companies if I did go down this route, I want to make right choice.

Also questions I should ask each company

A question about : Defaults AFTER IVA was started

I have just check my credit report online and glad I did.

My IVA was approved on the 1st June 2012, and is still showing as being active.

Halifax, put a default on my credit report dated the 11th July 2012.

Max Recovery also put a default on my credit reported dated the 1st June 2012, the same day as the IVA approval.

Can they actually do this because I had not defaulted on payments hence why the IVA was in place?

A question about : DRO

Hello

I'm drowning in debt at the moment and looking in to doing a Debt Relief Order, as recommended by Step Change on their Debt Remedy tool.

The problem I've got is that my car is coming up on whatcar (using their free car valuation tool) at worth Ј1320 at trade price.

A question about : Iva listing expenditure each year

I entered an IVA and last year after 1 year of payments, it was requested I supply an expenditure list to provide to my creditors.
This has been requested again but now I am renting out my property and renting elsewhere. This is due to an abusive neighbour who harassed my family for four years. I do not make any profit from my rental. Obviously I'm still notifying people of my new address and haven't got round to letting the IVA company know yet.

A question about : DRO Refusal

Hi

I am going for a DRO but am worried that I may get refused, I am so stressed out about it at the moment. If I do get refused how long do I have to leave it before I can apply for a DRO again?

I am really fed up as I saw an adviser in September and its taken until now to fill in the application form!!! Due to this delay the fees my creditors have added may have taken me over the Ј15k threshold which means I will be refused the DRO, I really don't know what to do.

Any ideas anyone, its making me feel physically sick.

A question about : Missing IVA certificate/letter

My IVA was discharged in May 2012 but on checking my credit file today I see that 4 of the debtors are still listing me as in default. I tried to contact the people that arranged my IVA only to be told they are insolvent (what?????) and the people that took their customers over only took records from January 2013. Where on earth can I get this certificate/letter from? Help