You say that you've been insured for "a few weeks" - is some of the money they've retained being used to pay for the period of cover you've used? Be very careful going forward - will you now have to declare to every future insurer that you have had a policy cancelled? If so expect to pay heavily loa...

Try the credit card eligibility checker at moneysavingexpert.com - this give you an idea of the likelihood of being accepted for a range of cards (including mainstream and credit builder cards). The eligibility checker performs a "soft" search which won't be visible to future lenders, or impact your...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by sprowstonboy Just out of interest would an IVA/BR stop you vetting people because the argument is easily extended to those in the vetting positions in that an applicant for security vetting who discove...

No offence taken (or intended!)

I won't carry on replying in this thread - of course we all have different opinions, and the forum would be a boring place if we didn't! My final thoughts are: Of course I realise that many people in an IVA have: (to quote abbiesmum2003) "taken the responsible step to face financial crisis and get a...

I never said that: font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by abbiesmum2003 people in atrangements are gamblers I said that I had observed that "that those subject to formal insolvency proceeding are far more likely to be actively problem gamble...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by sprowstonboy Your insurance policy will require you to notify insurers of any incident that MAY give rise to a claim. It is not for you to decide whether to notify as this information is used for under...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by lifenoteasy The stats plus experience from people specialising in obtaining funding seems to suggest that those in an IVA or post IVA are more likely to keep to an agreement and are actually less of a ...

I would assume that some insurers consider (probably quite rightly) that those in financial difficulties pose a higher fraud risk. Also, when insurance is supplied on a "pay monthly" basis it is usual that the entire premium cost is loaned by a third party finance company,so it is quite right that t...

Barclays were fine and allowed me to open a basic account. Ffrees operate a pseudo bank account with no credit or status checks so allowed me to open an account (but don't currently support direct debits) Yorkshire Bank declined me an account. Co-Op despite me clearly stating on several occasions th...

I must admit that Payplan were really on the ball when it came to paying over my share of PPI interest. I had 2 lots of PPI refunded and in each case Payplan phoned on the day they received the money to ask me how I wanted to be paid my share.

Remember that Equifax and Experian both offer cashback via Quidco etc. if you sign up for a free trial, so you can actually get paid to see your report!

But, as mentioned above, don't forget to cancel your trial subscription before they take the first payment.

When I got my valuation I told the estate agent that I was shortly likely to be offered a relocation from my work, and if I accepted would need to complete the sale within 3 months - I also told them that my outstanding mortgage was £x and that I would only need to achieve this amount if I sold. I a...

During 5 years in an IVA with Payplan I was never once asked to provide information about my bank account.

I opened and operated accounts with Barclays and Ffrees whilst in my IVA. Unfortunately, Ffrees doesn't currently allow direct debits (but are planning to soon). However Ffrees is particularly useful if you want a "spare" bank account that no-one else knows about - Ffrees don't report to any Credit ...