Monthly Archives: January 2012

On an IVA with us? When to call CCCSVA

Here at CCCSVA we’re happy to answer queries from all of our IVA clients. However, to help give you an idea of when you should call us we’ve put together five simple scenarios in which you’d need to give us a ring straight away. Continue reading

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5 questions every IVA client asks

Getting an individual voluntary arrangement (IVA) put together and accepted by your creditors is a difficult task. It’s often a great relief when your IVA is approved. However you probably still have questions that pop up every now and again about your IVA. Continue reading

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How to prepare for your IVA annual review

Each year your IVA payment is subject to review, in line with the standard terms and conditions. This is done to ensure that the payment you are making into the IVA is fair for both you and your creditors. People get scared by the review process, but don’t worry. CCCSVA have designed the process to make it as simple as possible for you. Continue reading

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“Can I switch my DMP?”

Like we’ve mentioned many times, we offer debt management plans completely free of charge. We do hear from a lot of people that use other companies for their DMP, who realise that their full surplus could be going towards reducing their debts rather than paying a percentage as a fee. Continue reading

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On a DMP? Make 2012 an easier year on your wallet

Here’s our tips to help anyone on a DMP – and in fact anyone looking to save money – make the best of their money during 2012. The following guidelines should help make living on budget a little easier this year. Continue reading

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How to survive the January money pinch

January is always a hard month: we’ve just had the Christmas expenditure and it’s possible that you got paid earlier in December. It just makes the month seem endless, especially where money is concerned. Continue reading

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How to deal with a county court judgment (CCJ)

Now that we’ve all settled back into our work routines and Christmas and New Year is a distant memory, our thoughts turn to boring but necessary duties such as maintaining our finances. Continue reading

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Make 2012 the year you get to know your credit report

I know that for many people the checks that take place when we apply for credit are a bit of a mystery. Indeed, for some the process is intimidating enough to set pulses racing. Myths and misconceptions abound. Am I on a blacklist? Will checking my information lower my credit rating? Will my record show a recent credit refusal? Continue reading

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