It does take a few months for the calls to die down. we had santander still calling after five months as they have many different credit centres, so i threatened them with a harassment charge and they apologised and the phone stayed silent from then on. good luck

i upgraded twice with o2 and another mobile twice with orange so you shouldn't have any problems upgrading with the same provider.

when we remortgage with natwest last month we used zoopla to give the bank a valuation figure but they said zoopla is way over the price and that most banks use http://houseprices.landregistry.gov.uk/price-calculator to get a figure for their valuations. The government site valued our house £30,000 ...

noodle is a free monthly one and is run by callcredit and clearscore is also a free monthly check partnered with equifax. i use both for free each month to keep an eye on things. hope this helps

i feel your pain Katherine we were in the same boat but had to wait until our six years were up as we weren't aloud credit either !!! many bits of wood and glue were used in the fixing of our sofa and a lot of cushions !! next week after six years and six months we will be able to sit up straight ag...

Hi David it has gone into our bank today so thank you so much for your involvement and help

Hi David i am having the same issue and have emailed you directly.

Hi the same thing happened to us with our IP clear debt in February 2016 and we gave them a call and they sent the request to land registry the next day. land registry advised me that it takes 48hrs from receiving the removal request to it actually being removed from the file and they said to phone ...

As Foggy says many including me and i went straight to my bank natwest three months after the credit file was clear and i had no credit files other than my mortgage and electric and mobile files registered with credit agencies. i got my remortgage with natwest coming from another lender and I'm also...

We had to call our ip last month to remove the title restriction but it should be done automatically when the ip closes the iva. It took four working days from the phone call to ip for them to mail it and to when land registry removed the restriction for us. If you have the house title number you ca...

So the great news guys is yes you can get a low cost remortgage as mine completed today ! As Kallis says everybody has different circumstances so financial advice is a good idea and as said Ryan and Shaun will help you. But if you want to go it alone like I have make sure your credit files are clean...

everything will be removed after six years from the default date as stated but be careful as one of the companies that took over two debts during the IVA reinstated two credit files that had been removed there months earlier and put partially settled marks on both a month after the IVA completed and...

Thanks Kallis ! will be good obviously for us if it does but it should also give people on here some hope post IVA'S !

mine was a couple of weeks but my wife still hadn't after a month so i contacted the insolvency register and they said they didn't have the paperwork for my wife from my IP so a phone call later to my IP she disappeared of the register two weeks later. might be worth a phone call as human error can ...

i am four months out of a completed six year iva. i checked my credit files were clear and i applied to natwest myself on the 1st February 2016 for a 2.53% fixed five year remortgage, as an ex iva and also self employed i was told by people that you'll have great difficulty getting a mortgage at a l...