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About 5aside

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  1. Hello, My husband is in an IVA which started in 2008. He stopped making payments in 2011 and the iva has now gone into failure. My main question is, can the creditors chase us to Ireland? And also, can they make him bankrupt here in Ireland for the uk? I realise debt is debt wherever you are so will his iva failure show up on a credit check here in Ireland? We do not own property here or any assets but had hoped to buy next year with family help and a small mortgage. My husband works and makes a decent wage and we have successfully started to clear and pay off his outstanding deb
  2. Hi, Thank you so much for your reply. Unfortunately after submitting an income and expenditure form the iva company has terminated the agreement. We are living in the Republic of Ireland and have no assets like houses or cars or actually savings. Could they chase us over here through the court system for the debts. Also none of his creditors from the iva show on his credit report, just the iva as a court judgement. The ppi remains a cloudy issue, we have requested all details of ppi payments made. Now the iva is in failure I presume that we can claim the ppi and then keep t
  3. hello, I recently sent a letter to Natwest claiming financial hardship and asking for charges to be refunded. My account was a student account with the student overdraft, however when I graduated it went to a normal account + overdraft. I had been using the account even though I was overdrawn, as money would go in and out monthly but there was always enough left in that I was managing to pay off the overdraft. Im now up to 1400 on the overdraft and since January have been charged crazy high interest and overdraft fee's. We recently moved to the ROI and my husband (who Im financia
  4. Hello all, My husband has an IVA which he started in 2008 and which was made up of business debts to the tune of about 13K. He has 5K remaining on it and its due to finish next year. We have recently moved abroad and he stopped paying the IVA, so it has gone unpaid for roughly 9 months (unbeknown to me at the time). I am on a bit of a quest to sort out our finances at the moment so have taken over all his affairs, I dont know much about IVA's so am looking for some advice please. He called Debt Free Direct, the iva company, a month ago to touch base, apologise for missing paym
  5. My husband had a Vanquis card which he has always made minimum payments on. We recently relocated to the republic of Ireland which we phoned and told them. We also told them that my husband was currently unemployed (we moved because of extenuating family circumstances so for a month or so were on benefit). They said they would send out forms so he could take a payment break as in line with the repayment option plan he had been paying. T hey refused to accept our new address in the ROI, sending two statements and an 'impact debt collectors' letter to my husbands mums address -
  6. Thanks so much, will contact them in the morning and start paying off. I honestly cant thank you enough for your brilliant advice and help, this process seems a lot less daunting now!
  7. Thank you so much for your help with that. We are hoping to buy a house in the next 2 years here, we have a large deposit from family and moved to be closer to them. However any mortgage application has been set back because of my husband being made unemployed. I will leave the three above well alone then. The other thing showing up on my husbands credit record is a very recent CCJ (I didnt know about it until a few days ago, as I said, we are not in the best financial shape) Its from Northampton County Court, the only information I have is what shows up on the equifax report, and my hus
  8. Hello all, New here and after some advice. My family have recently moved to Ireland, we have 2 AIB bank accounts (in good order) and are paying hefty savings in to an Ulster bank account. We have no credit cards here, and pay all bills etc on time. We moved from the UK, where my husband has lots and lots of bad debt. not a large amount, just owes lots of different people.I have two debts outstanding from a long time ago. I have some questions regarding tidying up our credit reports a bit.... 1) I have a defaulted store card marked on my credit report as 'HP from CL Finance' w
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