I personally took my Vanquis card out 5/6 months ago, it's limit was raised from the initial £250, to £500 last month. I always pay in full every month, so have never been stung by the interest charge, nor do I intend to. I have subsequently received a Captial One Classic Card that I now use instead...

I'm with G.T, and still waiting for mine too - Final payment made in March, was delayed going to closures for a couple of months, but still no certificate.... Cricky, it's almost 2012.

Hia steve30 - Don't go stressing about it. Must be us March finishers, because I'm with GT, made my last payment in March, and am still waiting for my completion letter too.... Ho hum, I think GT are waiting till Xmas Eve and make it seem like Santa's dropping it off as a pressie. I'd be quite happy...

Hey guys and girls, I've got another question... I've recently found out that someone I know very well entered into an IVA, my question is, I also know that they went on holiday to somewhere warm and sunny a year into their agreement with money back from PPI. Do I say something or keep my mouth shut...

Yes, its come out about the same time as my normal yearly I&E.. You know what it's like though, your always waiting for something to throw a little spanner in the works and i'll not relax until that letter of completion is in my hands.

I would have happily camped outside their office, but I'm not sure that I coud have justified the expediture on a tent and ferry ticket when submitting any bank statements! :-). Karol is out of the office according to e-mail autoreply, so I guess I'll go through the traditional route and hope someon...

Hia kallis3, Yes, I'm still on the insolvency registar, and I have been bugging GT for my certificate. It was delayed going to closure department internally for a little while - not sure why, maybe just a mix up at GT, which I was fine with.. Then delayed again because not all creditors had claimed,...

Hey forum, Looking for some more advice I'm afraid. For those who don't know what been going on, I made a full and final offer to my creditors back in December'ish last year through my IP Grant Thornton. The offer was accepted once a review on my I&E was completed. The payment was made on the 1st Ma...

I admit I still tend to impulse buy. Since my CofC has taken a long time to get produced due to my creditors not sumbitting claims, my IP allowed me to get a Credit Card with a small limit on it to start the rebuld process of my credit rating. I ensure that any impulse buys are done on that card - s...

I made my first dentist appointment in five years after finishing my IVA payments. I knew I needed alot of work doing and figured it would cost me the earth. I was dreading it, especially after such a long gap between visits. But 4 appointments later - a bargin price of £46 and shiny teeth front and...

Okie dokey, can you hear the hard drive spinning when you try and power the bad boy up? If it's a laptop, does the underneath get warm when the screen is black but lit. Your welcome to drop me an E-mail outside of forum if a MODERATOR can kindly provide my email addy to fuzzy_dunlop, as i don't thin...

Failing that, if you can find a way to get your P.C down to South Wales, I'll look at it for free..

You could try AVIVA, I've been with them right through my IVA and have always paid monthly without any problems..

I remember those days with the calls, it was a pain the backside. First thing I did when I agreed to an IVA was change my mobile and house number and not pass on those details to my creditors. Gave my IP the details and it was nice and quiet for the first time in many years....

Hey recovering. Don't feel bad about how "daft" you might have been. You've done the right thing by coming on here and looking at IVA's. Bank statements are a funny one. I remember when I started down the IVA path, I opened "THE DRAWER". I'm sure many people here had a similar place where you check ...