Search found 15 matches

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by Timmylad
Tue Sep 04, 2012 2:39 pm
Forum: Ask IVA Forum and Industry experts
Topic: Declan at Debt Free Direct
Replies: 34
Views: 5926

I have only posted on here a few times but from reading many other posts i could see that Declan was a very well respected member of the forum who went out of his way to help individuals. I myself am with DFD and am appalled by the level of service that they think is acceptable to customers. I perso...
by Timmylad
Fri Aug 10, 2012 11:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Problems with payday loans. Can you help me or guide me on what I am to do ?
Replies: 39
Views: 9467

I think you quite possibly may be in breach of your IVA terms. As Niobe has said above you need to speak with your IP at the earliest opportunity.
by Timmylad
Sat Jul 21, 2012 9:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: Declaration of solvency on Insurance quotes sites?
Replies: 21
Views: 5383

This is an interesting one regarding insurance. I recently renewed my car insurance with m&s and prior to doing this used a number of comparison sites. When i checked my noddle credit report it shows all the companies that have recently made searches on my credit report. Now if i was to go in to a b...
by Timmylad
Wed Jan 04, 2012 8:45 pm
Forum: Ask IVA Forum and Industry experts
Topic: Unsure what i have to do.
Replies: 4
Views: 1082

I am in a joint IVA with my partner and at the start of december she lost her part time job. Although it is tight we are still managing to make all payments and she is actively looking for employment every day. Do i need to tell my ISP or should i just continue to pay each month. Like i say it is ti...
by Timmylad
Mon Sep 26, 2011 8:59 am
Forum: friends corner
Topic: I owe unpaid tax :-(
Replies: 3
Views: 1375

Sorry i think i put this in the wrong forum, could a mod move it for me to the debt forum, Thanks
by Timmylad
Mon Sep 26, 2011 8:54 am
Forum: friends corner
Topic: I owe unpaid tax :-(
Replies: 3
Views: 1375

I am now into month 4 of my IVA and all is going smoothly at the moment, however i have just received a letter from Revenue and Customs to say that in 2008 i didn't pay the correct amount of tax and that i owe £808 I have just spoken to the lovely people at Revenue and Customs and the guy i spoke wi...
by Timmylad
Thu Aug 04, 2011 10:27 am
Forum: Ask IVA Forum and Industry experts
Topic: I am looking for some advice, I am £35,000 in debt and sinking fast
Replies: 34
Views: 4809

Wicksy, I am only on my 3rd IVA payment but the relief in knowing that i will be debt free in just under 5 years is a great feeling. 5 years ago before the recession and global banking collapse Banks and Credit providers would lend to anyone. I got a credit card with a £2000 limit, i made the minimu...
by Timmylad
Mon Jun 20, 2011 9:37 am
Forum: Ask IVA Forum and Industry experts
Topic: Pre Payment Credit Cards
Replies: 9
Views: 1856

Hello everyone, i am looking at getting a pre paid credit card, the ones a bit like a pay as you go phone, where you can only spend what you have put on it. Its just so i can purchase items online. I have seen one called Orange Cash which looks really good. They say 100% acceptance guarantee and No ...
by Timmylad
Tue Jun 07, 2011 11:06 pm
Forum: Ask IVA Forum and Industry experts
Topic: Booking a holiday
Replies: 29
Views: 3393

Thanks for the swift reply. We are learning to appreciate money so much more now and just didn't want our ISP or creditors to think, hang on if they can afford £x for a holiday then they can afford to pay more into the iva
by Timmylad
Tue Jun 07, 2011 10:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: Booking a holiday
Replies: 29
Views: 3393

Ok so i am in month 2 of 60 of my iva and get married in 13 weeks, we are actually doing really well and i enjoy the fact that i have no overdraft or credit card. Our amount for food is nearly £90 per week (ideal for a small family with a little 3 year old) We have managed to save a bit and hope in ...
by Timmylad
Mon May 16, 2011 7:49 am
Forum: Ask IVA Forum and Industry experts
Topic: Things are starting to fall apart
Replies: 39
Views: 5205

Hi Kallis3, thanks for the welcome! My partner and I went through Debt Free Direct, i did a bit of research before and they seemed to have good reviews. From the first phone call on a rainy night in March through to now they have been very good. One thing i liked was the fact they send a courier to ...
by Timmylad
Sun May 15, 2011 10:10 pm
Forum: Ask IVA Forum and Industry experts
Topic: Things are starting to fall apart
Replies: 39
Views: 5205

Will definatley keep posting on here. I did quite a bit of research before entering into the IVA but i am 110% sure it was the best thing we did. Only 59 months to go :-)
by Timmylad
Sun May 15, 2011 10:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Things are starting to fall apart
Replies: 39
Views: 5205

Hi Darren, I'm new to this board and have just entered an IVA with my partner of 12 years. My parents struggled with money when i was a child and i can remember debt collection companies and bailifs coming to our house. I always swore i would never get in debt but a few years ago my partner lost her...
by Timmylad
Thu May 12, 2011 1:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: Comensation payout
Replies: 6
Views: 1585

Thanks everyone for your prompt replies, I am doing well now with no lasting damage. I just called the company who deal with my IVA and they have said that my creditors will get a small amount from the payout but i will be able to keep some of it.
by Timmylad
Thu May 12, 2011 8:16 am
Forum: Ask IVA Forum and Industry experts
Topic: Comensation payout
Replies: 6
Views: 1585

Hi there, first post here from an IVA newbie. I am only in month one of my joint IVA with my partner and hope someone can give me some help with a question i have. At the beginning of last month i was the victim of a violent crime and the person responsible has just been sentanced to 21 months in pr...
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