Home

DRO or IVA

Meet The Team - Debt Focus | Debt Focus

Which is better a DRO or an IVA? There is a very simple

Is A Debt Relief Order Right for Me? (Vs

is this current as of 6/15/2015 a claim for various disabilities was sent to va, in addition to IU(individual unemployability).VA, addressed all but the IU.My attorney appealed.It has been 2 yrs since appealing, but finally a DRO was assigned to my appeal.Just received a letter for a hearing.Could this mean good, bad, or what A DRO is a form of insolvency where the debtor has debts frozen and subsequently written off. It's a form of bankruptcy for debtors with less than £15000 of total unsecured debt. To qualify the debtor needs to demonstrate they have less than £50/mth available for debts after normal household and personal expense are met All bankruptcies, DRO's and IVA's are entered onto a searchable register. A bankruptcy is often considered a last resort and it is recommended that you first look into other insolvency solutions such as Debt Management or an Individual Voluntary Arrangement (IVA). INDIVIDUAL VOLUNTARY ARRANGEMENT (IVA

An IVA would probably require you to release some equity in your home during your final year, but it's very unlikely to force you to sell your home. A DRO, on the other hand, is not a viable option for homeowners. This is because you have to meet a very specific set of requirements to enter a DRO In short, whether you get an IVA or DRO is largely dependent on your disposable income as well as if you're a homeowner, or have any assets. An IVA is better suited to those who possess unsecured debts over £6,000, have at least 2 different creditors, and may own a house or an asset of value. These can often be protected in the agreement Thank you for completing the online assessment. This is the first step towards becoming debt free! Based on the answers you've given, we have a number of options to help you get debt free, saving you thousands whilst giving you the legal protection to stop baliffs and creditors from calling you. We'd really like a discussion with [

E: 12/12 (11pm) Win a set of four Jon Agee books

Is a Debt Relief Order (DRO) better than an IVA or a DMP

  1. Debt relief orders are a debt solution suited to people with little income and few assets. There are strict qualifying criteria you must meet in order to apply for a debt relief order (DRO). In order to qualify for a DRO, you'll need to meet the following criteria. What are the qualifying criteria for a debt relief order
  2. a. DRO Duties. The table below lists the duties of a Decision Review Officer (DRO). Notes: The DRO is a member of the appeals team and the appeals team coach may assign work to the DRO. The composition of the local appeals team may vary. At some regional offices (ROs), the team may consist of only DROs, while at others, it may include. DROs
  3. Search the Individual Insolvency Register for details about bankruptcy orders, Debt Relief Orders, Individual Voluntary Arrangements, and restrictions orders and undertaking

it's been at least 6 years since your last DRO was made and you aren't going through another formal insolvency procedure, such as bankruptcy or an individual voluntary arrangement (IVA) you've lived, had a property, or worked in England or Wales in the last three years DRO is quite similar. It is a procedure for decreasing problem behavior in which reinforcement is contingent on the absence of the problem behavior during or at specific times (Cooper, Heron, & Heward, 2007). With DRO, you would reinforce any behavior that wasn't the behavior targeted for change If you and your partner both want a DRO, you each have to apply separately. This means you each have to pay a £90 application fee. Contact us for advice. When can't you apply? If you are already bankrupt or have an individual voluntary arrangement (IVA), then you will not be able to apply for a DRO. Contact us for advice An IVA is a legally-binding arrangement to pay an agreed amount off your debts over a set period. Any unpaid parts of the debts that were included in the IVA are written off when the arrangement is completed. An IVA can be set up in a number of different ways IVA & DRO Board Sticky. Announcement Closed 57K views 0 replies 1 point Started by fermi 13 February 2014 at 1:05PM fermi. Most recent by hugh6989 on Today at 7:54PM. 9 views 2 replies Dro help. 9 views 2 replies 0 points Most recent by hugh6989 Today at 7:54PM hugh6989. Started by MC64 on 22 April at 11:35AM

Debts an IVA covers Lists the debts that can and cannot be included in an individual voluntary arrangement and whether it is appropriate to include joint debts. What an IVA is Summarises what an individual voluntary arrangement is, how repayment works and whether some of your debt can be written off A debt relief order (DRO) is for people with low incomes and few assets, whereas individual voluntary arrangements (IVA) are for those people who can afford to make repayments at an affordable rate and want to protect their assets A Debt Relief Order (DRO) is an alternative to bankruptcy for people on a low income and with few assets. Find out if a DRO is right for you at Uswitch.co

Debt Solutions: options including IVA, DROs and bankruptcy

Debt Relief Orders - DRO - IV

Furthermore, if the applicant has undertaken a DRO or any other form of debt solution, such as an IVA or bankruptcy, within the previous 6 years, then they will not be eligible for a DRO • Credit cards or store cards • Any unsecured loan (a DRO is only available to those with assets worth less than £300, so it is unlikely that an applicant would have any secured loans) • Store credit, such as 'buy now, pay later' loans • Payday loans • Rent, utility and council tax arrears • Telephone bill arrears (where it is. The DRO process cannot begin until the fee has been paid in full. As a formal arrangement, a DRO must be applied for through an authorised representative. You cannot enter into a DRO if you have an existing IVA or bankruptcy order. You cannot apply within six years of a previously accepted application Who will not qualify for a DRO? If any of the following apply, an individual will be deemed unqualified for a DRO: currently applying for or in receipt of an Individual Voluntary Arrangement (IVA). received Bankruptcy Restrictions Order or Undertaking; received a Debt Relief Restrictions Order or Undertaking; currently bankrup An IVA is also available if your debt level exceeds £20,000 or your disposable income exceeds £50 per month. If you do not qualify for a DRO, bankruptcy could also be considered. This option is available if your debts exceed £20,000 and if your disposable income is higher than £50 per month

Everything About Finance - Debt Management, IVA , DRO News, Updates, Tips For Debtors. A new concept generated a couple of years ago is the IVA- individual voluntary arrangement. The Iva can be availed in very low cost, form a range of 90 pounds to 110 pounds in the UK based areas. The IVA covers the debts that have been outstanding since. You don't have another on-going insolvency procedure in place, such as an IVA or bankruptcy, You have lived, owned property, or worked in the UK for the last three years. What Debts are Covered by a DRO? Here's a breakdown of the debt you can and can't get written off: Debts That are Covered by a DRO

Decision Review Officer hearings are usually located at the VA Regional Office that issued the decision on the claim. If the office is a long distance away, you may be able to have a video-conferenced hearing at an office that is closer to you. This is especially likely if you cannot afford to travel to the original office or are disabled and. DRO records stay on the register for 3 months after the moratorium period has ended or the DRO revoked IVA and FTVA records stay on the register for a period 3 months after the Secretary of State receives notice that the arrangement has been revoked, fully implemented or terminate DRO Or Bankrupt IVA FFS and PPI tie in. By knowledgesercher Started April 15, 2012. Our picks. Hermes - destroyed item as it was damaged- **Judgment for Conversion of destroyed item. **WON** hellothere124 posted a topic in Postal and Delivery Services, December 27, 2020 There are a number of ways to save a failing business before bankruptcy. Some of these include a Debt Relief Order (DRO), a Debt Management Plan (DMP) or an Individual Voluntary Arrangement (IVA). it is best to seek advice as soon as possible. This article will explore the different advice and options available to you, either through your accountant or a Licensed Insolvency Practitioner What is dro?Debt Relief Order is an agreement to write off debt for those with low income and with limited assets In a nutshell, A Debt Relief Order (DRO) is a type of insolvency. A DRO order had a duration of 12 months after approval

IVA or DMP Already in a DMP? Could you be better off in an IVA?** With an IVA, you could be debt-free in just 5 years. 80% of your debt can be written off¹, and you pay the rest back in affordable monthly payments with no more interest added, no more threats of legal action, and no more hassle from your creditors At IVA Advice, we offer free, expert advice on IVAs, so if you think an IVA might be the right solution, feel free to give us a call. Debt Relief Order (DRO) You may be able to get a Debt Relief Order (DRO), if you don't own any valuable assets such as your own home, and you can prove that you have less than £50 in disposable income It isn't your IVA caseworkers job to talk to you about DROs, it's to manage the IVA. If you think you might qualify, and your situation won't significantly improve in the next 12 months then get some advice about a DRO. Keep the IVA going until you've made a decision. Good luck with it all I had a letter in the post this morning saying my DRO had been approved. So I was feeling relieved that all those months of stress had been lifted, then I realised something IVA completed - July 2011 As a forum moderator I am here to help other forum members by sharing my experience of solving a debt problem and giving suggestions and. have not been subject to a DRO in the past 6 years and are not currently the subject of another formal insolvency arrangement or an individual voluntary arrangement (IVA) ou have lived or worked in England or Wales in the last three years

Dealing With a DRO for Veterans Disability DisabilitySecret

An IVA is a legally-binding arrangement to pay an agreed amount off your debts over a set period. Any unpaid parts of the debts that were included in the IVA are written off when the arrangement is completed. An IVA can be set up in a number of different ways If you're in the middle of bankruptcy proceedings, an IVA, or any other formal insolvency procedure, you won't be able to get a DRO. However, if one of your creditors has put in a court request to make you bankrupt, you can ask them for permission to apply for a DRO instead

A DRO can also have a signifcant impact on your credit rating and your lifestyle, so shouldn't be taken without caution. Depending on your circumstances, there may be other better options. These options include debt consolidation , Individual Voluntary Arrangements (IVAs) and Bankruptcy A Debt Relief Order (DRO) is a low-cost alternative to bankruptcy. If you do not own a home or many assets, have a low income, and your debts are less than £20,000, you could be eligible for a DRO. When a DRO is granted, you are discharged from all of your unsecured debts for 12 months. During this time, you pay nothing towards them What is a Debt Relief Order (DRO)? Find out more about how a Debt Relief Order (DRO) works and which debts you can use it for. Then talk to a free debt adviser about whether it's the best way to pay off or clear your debts The DRO was introduced on the 6th April 2009 and the rules were updated on the 1st October 2015. The Scottish alternative is known as the minimal asset process. If you have more than £50 disposable income on a monthly basis you would suitable for a different debt solution including an IVA or Debt Management Plan

IVA or Bankruptcy? Free Debt Advice

For DRO we have found 166 definitions.; What does DRO mean? We know 166 definitions for DRO abbreviation or acronym in 8 categories. Possible DRO meaning as an acronym, abbreviation, shorthand or slang term vary from category to category. Please look for them carefully. DRO Stands For: All acronyms (166) Airports & Locations (7) Business & Finance (3) Common (2) Government & Military (23. Bankrupt entered into an Individual Voluntary Agreement (IVA) or Debt Relief Orders (DRO)? You can still get car insurance quotes at sensible prices. The panel of specialist insurance providers can provide cover for people with a previous bankruptcy or with IVA or DRO. They believe that your past shouldn't have to be a guide to your future What is A Debt Relief Order (DRO)? A debt relief order is often referred to as a (DRO) it is a debt solution widely available in England and Wales. You will be required to meet a specific list of requirements, a DRO can help you become debt free quickly in comparison to similar an IVA or Bankruptcy Debt relief orders (DROs) are a simplified, quicker and cheaper alternative to bankruptcy as an insolvency measure in the United Kingdom, which came into effect in England and Wales on 6 April 2009, and are also offered in Northern Ireland.. Debt relief orders are suitable for debtors who have relatively low liabilities, little surplus income and few assets; can (depending on eligibility) be a. The DRO or Debt Relief Order is one of the safest ways that help you to deal with your debts when you owe less than the amount of £20,000. If you have a few assets and the debt is comparatively low, then with the help of Debt Relief Order, you can write off the debts easily.. If you get qualified, then contact the expert DRO team and get insolvency service from them

Applications for a DRO will be rejected if you have assets over £1000 or own your own property. Debt write off applies to unsecured debts only and on completion of an IVA. If your IVA fails, it could lead to Bankruptcy, although this is rare and alternatives may be available. Your ability to obtain credit will be affected for the medium to. An IVA is a popular solution for people ineligible for a DRO Being a homeonwer, owning a half decent car or being able to afford more then £50/month towards debts rules out a debt relief order. We specialise in Individual Voluntary Arrangements (IVAs) As a formal arrangement, you cannot apply for a DRO yourself - it must be done through an authorised representative. If you have a favourable change in circumstances during the 12-month duration the DRO may be revoked. You cannot enter into a DRO if you have an existing IVA, bankruptcy order or own your property The most common solutions in England and Wales are Debt Management Plans, IVA's and DRO's. We offer all of these solutions in-house (no need to refer you elsewhere) and you can make your application online. There are similar debt solutions available for Scottish residents - which we also advise on and work with partners to provide A DRO or debt relief order is designed for individuals with low income, few assets and a reasonably low debt level. This means if you own a home or an estate, you cannot qualify for a DRO. Also, you wouldn't be eligible if you have more than £50 left each month after meeting your essential living costs

DRO- debt relief order; IVA- individual voluntary arrangement; To look for such alternatives, you can log on to the many websites and the blogs that can help you with the information on many alternatives like these. Advantages of using any of such alternatives. 1) Cost effectiveness is one of the advantages DRO and IVA records are kept on the register for up to three months after they are completed or revoked. In the case of an IVA or DRO being revoked, this means the terms of the agreement were breached, which could be because of a change in finances or not cooperating with the official receiver Individual Voluntary Arrangement (IVA) allows you to pay back what you can afford; lasts a set amount of time (usually 5 or 6 years) anything you haven't paid off by the end is written off; Is a legally binding agreement - this means once you've signed it, neither you nor your creditors can back out of it A DRO won't usually affect an ongoing tenancy but you may struggle to renew/get a new tenancy whilst your DRO is in effect. Can I keep my car? You won't qualify for a DRO if your car is worth more than £1000 unless it's been specially adapted for a disability, or is subject to the Motability scheme

To DRO, or Not to DRO - is the DRO review faster in a VA

To apply online for a DRO, an individual must go through an intermediary. This third party is considered an approved debt adviser who has permission to offer advice regarding a DRO and complete relevant documents. DROs are administered by the Insolvency Service's Official Receiver DRO's were introduced in part as the fees to petition for your own bankruptcy (currently £680) meant many people for whom this was a suitable course of action were unable to afford to do so. Getting a DRO. An application for a DRO must be done via an approved intermediary

IVA or DRO details: Have you ever been Bankrupt at any time? If yes, please provide details below: * Yes No . Bankruptcy details: Have you ever been evicted from or asked to leave a property you were renting for any reason? If yes, please. IVA's stay on the register for a period of 3 months after the Secretary of State receies notice that the arrangement has been cancelled, satisfied (completion of the IVA) or terminated. Debt Relief Orders (DRO Looking for online definition of DRO or what DRO stands for? DRO is listed in the World's largest and most authoritative dictionary database of abbreviations and acronyms The Free Dictionar The Money Advice Service is an impartial service set up by the Government to help people manage their money. To find out more about free debt advice, debt counselling, debt adjustment and credit information services, visit www.moneyadviceservice.org.u Scopri adesso la nuova collezione Primavera Estate 202

Three alternative procedures are available to insolvent individuals - Bankruptcy, the Debt Relief Order (DRO), and the Individual Voluntary Arrangement (IVA). A key contrast is that while rules for the Bankruptcy and DRO procedures are set out in legislation, the terms of each IVA are in theory determined by negotiations between the debtor. you haven't already had a DRO in the last six years, you're not already Bankrupt or in an IVA. How is a DRO different to Bankruptcy ? DRO's are not available for anyone with an interest in a property, even if the property is currently in negative equity. The £1,000 limit for assets is their total gross (not net) value, although cars. Debt Relief Order or DRO; Individual Voluntary Arrangement or IVA. This is a formal and legally binding arrangement between a Debtor and their Creditors. To propose such an arrangement you will need the services of a licensed Insolvency Practitioner or IP. Proposals to creditors can be based on a lump sum offer or regular monthly payments If the debts were not built up both recklessly and deliberately then a DRO, and an IVA, ought not to be a problem. We are aware of instances where both recent and discharged Orders have been.

You can conduct your search for Debt Relief Orders (DRO) and Bankruptcy Relief Orders (BRO) by entering the surname and/or forename, if you are unsure of the spelling, just enter the first few characters or a part of the name One of the more recent debt solutions available is the Debt Relief Order (or DRO for short) - and the good news is that from 1 st October 2015 the DRO rules have been changed which should mean that thousands more people will be able to use them to help tackle their unmanageable debt But the DRO restrictions we talked about above - credit limits, bank account rules and directing a company - will still stand. Getting advice While a Debt Relief Order (DRO) can be a way to get debt free, it certainly comes with some things to think about

It's been at least 6 years since your last DRO was made and you aren't going through another formal insolvency procedure, such as bankruptcy or an individual voluntary arrangement (IVA) You've lived, had a property, or worked in England or Wales in the last three year Debt Relief Order (DRO) If you have debt you cannot pay, which is of a relatively low level, and few assets, a debt relief order (DRO) could be the most convenient way to write off your debts and avoid bankruptcy. Providing you are not a home owner and have debts of less than £20,000, a DRO can help you clear a path to a debt-free future

Individual Voluntary Arrangement (IVA) An IVA has a similar goal as a debt management plan but is legally binding, and therefore has much more strict regulations and requirements. IVAs are a government incentive designed to write off up to 70% of your debts. (DRO) is generally aimed at people who owe less than £15000; similar to a DMP, it. The DRO Unit of the Insolvency Service will only refuse your application if you are bankrupt and currently in an IVA or you have had a DRO in the last six years. I don't have any bank statements, does this matter? Your DRO Adviser will want some proof of your income. They may be happy to accept wage slips or any benefit letters You cannot re-apply for a DRO if you've used one in the past six years. You also cannot apply for a DRO if you're currently bankrupt or using an IVA. Benefits . This is a relatively low-cost and fast debt solution. The application fee of £90 is far more affordable than the £680 bankruptcy application fee

Debt Management Plan or a Debt Relief Order? IVA foru

With so many people in the UK being in debt, Individual Voluntary Arrangements and Debt Relief Orders are starting to become the norm. Creditors are typically very aggressive when it comes to recouping the money they're owed and if you find that you're unable to make payments then getting an IVA or DRO is often the best option rather than bankruptcy (see our dedicated car insurance for. If you are entering any form of insolvency solution including the DAS scheme, an IVA, DRO, Trust Deed or bankruptcy, please contact us to confirm the name of the Insolvency Practitioner that you are working with and your reference number with your solution provider A DRO is a way of dealing with your debts if you can't afford to pay them. It means you don't have to pay certain kinds of debt for a specified period (usually 12 months). once it is apparent that an IVA is likely to be the most appropriate debt solution Entering an IVA or DRO creates a liability to disciplinary action. For this reason it is wise to notify ICAEW. Although entering into an IVA or DRO would be considered to be prima facie evidence of 'misconduct' by ICAEW it is unlikely to result in losing your membership as long as there are no aggravating factors Your DRO is entered on a public register. You cannot have a DRO if you have an existing bankruptcy order, an IVA, are subject to bankruptcy restrictions, or you have had a DRO in the last 6 years. You will not be able to have a DRO if you own a house, even if it has no equity (value)

WHAT IS A DRO AND HOW DOES THIS COMPARE - IVA Debt Hel

IVA or DRO: which is the better option? - Freeman Jone

What's better an IVA or DRO? Debt Solution

Individual Voluntary Arrangement (IVA) - England, Wales and Northern Ireland An Individual Voluntary Arrangement (IVA) is a formal insolvency option which can be applied for with the help of an insolvency practitioner (IP). This allows payments to be made a DRO or bankruptcy - is going to be a significant challenge This video shows you how to say Stage IVA Pancreatic Cancer.How would you pronounce Stage IVA Pancreatic Cancer An IVA is considered a form of insolvency but was introduced as an alternative to bankruptcy. Under typical IVA guidelines an IVA will have to be administered by a licensed insolvency practitioner. The insolvency practitioner will also collect your monthly payment into the IVA and distribute it to your creditors

Thank You, Bankruptcy, IVA or DRO Bankruptcy Burea

Individual Voluntary Agreement (IVA) Debt Relief Order (DRO) A DRO is way to have your debts written off if you have under £20,000 of debt and no assests Debt Relief Orders. A debt relief order (DRO) is one of the debt solutions available to you, if you have a debt of £20,000 or less, your maximum disposable income is £50 , and you do not have assets (including property and vehicles) or savings and investments worth more than £1,000 Drop Dead Diva is an American legal comedy-drama/fantasy television series that aired on Lifetime from July 12, 2009, to June 22, 2014. The series was created by Josh Berman and produced by Sony Pictures Television.It stars Brooke Elliott as Jane, a plus-sized lawyer whose body is inhabited by the soul of a fashion model.. On October 25, 2013, Lifetime renewed the series for a sixth season.

E: 19/11 (11pm) Win a luxury slipcase edition of the

DRO. Am I Eligible For A Debt Relief Order? StepChang

NO CREDIT SCORING. IVA/DRO/Bankruptcy allowed; CCJ's/Defaults under £300 ignored even in last 3 months; Up to 4 defaults within last 3 years accepted, 3 CCJ's within last 3 years accepte An Individual Voluntary Arrangement (known as an IVA) is a legally binding agreement between a debtor and his/her creditors. The agreement sets out how creditors will be a DRO is administered by the Insolvency Service in partnership with approved intermediaries (debt advisers). It should be noted that a DRO is onl A DRO can only be done by individuals who owe less than £20,000, however some debts do not count towards that total (student loans, court fines are just a couple of examples). A DRO will typically run for 12 months and during this time frame you won't have to make any payments towards your debts that are included in the DRO Dro, in between unspoilt nature and art Surrounded by three enchanting lakes, Lake Garda, Lake Cavedine and Lake Toblino, the Dro municipality in the province of Trento is one of the most ancient communities in the whole Sarca Valley. Its historical town center smells of history and past, with its traditional finely carved stone gates, the towers, the little arches and the uneven alleys dating. *An Individual Voluntary Arrangement ('IVA') is subject to the customer meeting qualifying criteria and gaining creditor acceptance. Monthly IVA payments include fees and may differ to the example provided, based on the assessment made of your own personal circumstances - these fees will be clearly explained to you in writing by your IVA company

Hanover Insolvency | IVA - Trust Deed

A DRO is a formal debt solution setup by making an application through an approved intermediary. It is intended for people on low-income and little assets who would otherwise struggle to pay the fees to go bankrupt. An IVA is for people who can offer a regular payment, or lump sum to their debts, but cannot afford the monthly payments being. The Insolvency Panel is an ethical business that promotes the provision of transparent and quality assured IVAs. TIP is open to any IVA IP firm that wants to be part of this innovation, and reaches our minimum standards improvement circle. Creditors. In most cases IVAs provide better returns to creditors than alternatives such as DRO or Bankruptcy An issued DRO will be listed on the Individual Insolvency Register until three months after the DRO concludes. Credit reference agencies will maintain records of the DRO for six years. Your Responsibilities During The DRO Period. Since a DRO is a formal debt management solution, all parties involved have several responsibilities You can apply for a basic bank account even if you had previous credit problems such as CCJs, or you have insolvency measure in place such as a Debt Management Plan (DMP), Individual Voluntary Arrangement (IVA), or Debt Relief Order (DRO). Take action: how to deal with debt - where to turn for help and how to take back contro

County Court Judgement Help - InControl Debt Solutions Ltd
  • Learning to read and write Frederick Douglass audio.
  • Explain the effect of pH on nutrient availability in soil.
  • Red wine allergy swollen eyes.
  • HMV dog.
  • Used round balers for sale by Owner.
  • Resistant starch Keto potato salad.
  • Dora games for girl free online.
  • 2007 Corvette price Used.
  • British sitcoms.
  • Chappelle show Making the Band Quotes.
  • Full liquid diet menu after gastric sleeve.
  • How many calories in extra peppermint gum.
  • 3DS charger pinout.
  • Camera tripod near me.
  • Traitor meaning in tagalog.
  • Royal Bengal Tiger is found in which Forest.
  • McDonald's cheeseburger Happy Meal carbs.
  • How to add WWW to domain name cPanel.
  • Penny board mk.
  • Uncut sheet of $2 dollar bills value.
  • Living simply with less.
  • Remedial massage therapist near me.
  • MLA Works Cited page.
  • Download Exchange Management Shell Office 365.
  • In binary 0 and 1 means on or off.
  • 1970 chevelle ss for sale craigslist.
  • Pinnacle Water Bottle price.
  • City owned homes for sale.
  • How to become a child protection lawyer.
  • HTD Heavy Duty Detergent.
  • Dental practice valuation Australia.
  • Stability ball calories burned calculator.
  • Active 8K HDMI Cable.
  • Madagascar native animals.
  • Tesco card number.
  • How long is the PS5 HDMI cable.
  • Bokeh effect tutorial.
  • What method do you use to calibrate a thermometer.
  • Music studio basement ideas.
  • Best candy to put in a pinata.
  • Hypnotherapy training UK.