yeh well after looking at bank tariffs there rates are 22% already so people without bad credit are being ripped off as well!

With respect yes u said u didnt mean to be rude but whats the point if a cheap run around then saving for a year and buying a car outright that would come to the same as the interest on a loan anyway. Also im looking to save money and have the last bit on a loan. Your comment on about a run around i...

Why would i need a hefty deposit?

Banks are still doing them with 10-20% deposit by which time it will be a good 4 or 5 years after the IVA dissapears off my record so that should be a factor in things.

Kallis 3 I wont have a problem with credit for years as after the 6th year on March it dissapears off the record so my record will show a good score and there will be no trace of the IVA so that wont got against me. I pay my phone, gym and car insurance by direct debit so there is already repair wor...

Well thats what i was thinking the income that doesnt go into the IVA will go into a savings accout so i can save around £500 - £600 per month so can build up some good savings very quickly. Thats why i was thinking of the meeting with the bank manager if i have saved £600 per month for 6 months onc...

"Completing an IVA and being credit worthy are a million miles apart!!! Any hint of credit problems in the past and applications will be refused. As for your credit score you will have to start small regarding building up a picture lenders can trust" In response to the above my car needs to be chang...

Hi guys i had a very pleasant surprise i took a 30 day free trial with credit expert to see the state of my credit file and see what my score was. Now i still have 5 payments left on my IVA before it is complete but my score is 900 out of 1000. That means technically i could get credit right now so ...

Im not so sre about what your saying i am going to contact experian regardign this ro see what happens to scores in there experience during that last 12 months. As far asi can see it will be on record but say debt fulfilled and IVA completed so there would be no reason for a company to fail me apply...

My IVA finshes on Feb 28th 2011 how soon after should i see my score start to increase and would i be able to apply for say something like car finance within the first 12 months after as i need to change my car but cannot do so until after my IVA has completed in 5 months time and could not really w...