Have posted this here as I am unable to log into my blog, Cannot remember which email or password I used when I set it up :roll: :lol: :lol: Sorry this is going to quite a long update, so much has happened since our IVA finished… My last update ended with finding out hubby had lung cancer and our la...

i have clearscore app on my phone, sad I know but I do like to keep an eye on it

Hi Baldy,
Just change the start date in your profile to a year later and it will adjust your finish date.

We have not bothering with our credit file until after the 6 year mark as even if the defaults go the IVA will still be on there, although we haven't got any defaults on ours just the IVA.

Sharon.10, Try what I did I emailed and gave them 1 month to give me proper timescales etc or I was putting in an official complaint, after that month I had not received anything so I sent an email saying I was making an official complaint and within 2 days received the reply that it would be paid w...

Marry Christmas luluj and everyone else on the forum, I hope everyone has an amazing time and we can all look forward to 2016 with hope

Happy Christmas Foggy and little Foggy,
and thank you for all the help and knowledge you have passed on to everyone who had needed advice on here.
Have the best Christmas you can under then circumstances, the first christmas after losing a parent can be very difficult and quite emotional.

Just to let you all know, looked at my account this morning and £910.23 has been paid in by Aperture. So that is a lovely Christmas present and now I feel we can get on with the rest of our lives, everything from our IVA is now complete and finished with.Have a wonderful Christmas peeps and a Happy,...

Hi Marksam1,
glad to hear that the payments are real then, I was beginning to think they were like Father Christmas and the tooth fairy, you know they are there but never see them

my friend got one a few month before her CC was issued, she did it by telephone and spoke to a real person, try ringing them and applying. She was upfront and did tell them about her IVA. This was only 6 months ago so don't think their systems would have changed that much in that time.

I did email them back stating I wanted to make an official complaint etc, to receive within an hour of me emailing an reply stating they were now in a position to make the refund payment but needed my bank details etc. I replied straight away and again received a quick reply saying the money would b...

Ours took 3 months to the day as well

Hi, I seem to be getting into email wars with GT regarding the interest refund on PPI that was claimed. We finished out IVA in April, the PPI was completed around that time as well. We had both signed the spotty letter etc and last May we were even sent an email stating how much the refund was for a...

congratulations, Its a lovely feeling seeing that piece of paper,

Hubby and I only got one between us for Mr and Mrs. Think GT we on an economy drive and saving paper when they did ours.

Well done LS, best feeling in the world not finding your name on that stupid register

Hubby and I had to wait 3 months to the day.