Hi Guys,
Well Ive finally got my CC after waiting for nearly 18 months and im so relieved its finally over.

My question is when will my name be taken off the Insolvency register?

Hi - Im suppossed to refinance my balloon payment on my car HP but after reading a letter I received from the car fianance people i dont know if I will be able to as its effectively just like getting credit, there is no way they will touch me which means I could end up failing the IVA and owing £11k...

Lets hope one of the experts knows a solution as im starting to panic too. I have 3 kids and the last thing i want to do is go down the bancruptcy route.

Hi - Im in the exact same position. Im suppossed to refinance my balloon payment on my car in October and I dont know how I will be able to do this given no one will touch me for credit even though I have never missed a payment on my car... Mine is £11k so Im hoping someone on here has some good adv...

Thanks for your help BE. As soon as I e-mailed you i got a call from my Account Manager who was a star and really explained things, still lots to do but feel loads better... thanks again for all your help.

Who are you dealing with at Blair Endersby? My Account Manager is excellent and takes my circumstances very seriously and basilcly looks after my best interests long with ensuring the creditors interests are in hand. I did however, have to insist on speaking to my account manager as the staff on the...

Message for Blair Endersby - Hi, Im trying to speak with my Account Manager or an IP at Blair Endersby as I need some guidence/comfort around a change in circumstances that provide me with some options on my IVA. I have called on numerous occassions and keep going through to helpdesk but to be hones...

nice one Declan, well done for getting some focus on this case.. your are a true star...

Thanks Melanie, your advice is always useful.

Does anybody know if a car allowance is deemed as income or an expence from an IVA perspective. I have been offered a car allowance as part of a promotion. The new job requires a lot of travelling which means more cost in maintenence. Im just worried that if they take 50% of this I will not be able ...

Thanks Lisa & Helen... Can I ask what you mean when you mention to deduct what I will save in annual fees?

Hi - My parents have found out about my IVA, something I wanted to keep low key as you can imagine. Anyway, I told them about the situation and they have offered me the money to clear it, not all of it but enough to hopefully sucure full and final settlement. When I enquired about the settlement pro...

Hi - I to have received a pay rise at work and was told by the IP that I dont need to do anything until my annual review, I have called 3 times just to check as I dont want to be stung with paying any money back as a rusult.

I changed bank accounts whist my IVA was being processed because I had credit card debt with this bank. The bank I currently use isnt paticulary good and was wondering if I would be able to go back to my old bank? The account is still open but Im concerened that if they see my wage being paid into t...

Thanks Endsmeat, thats good to know. I will get the IP a call first thing tomorrow just to make sure.