Search found 10 matches

Search found 10 matches Page 1 of 1
by gambler
Sun Jul 06, 2014 6:17 am
Forum: Ask IVA Forum and Industry experts
Topic: Do I have to wait 5 years after full and final IVA in Dec 2010 before applying for credit card ?
Replies: 6
Views: 2320

i had a full and final IVA in Dec 2010, do i have to wait 5 years before applying for a credit card?
by gambler
Wed Apr 18, 2012 11:19 am
Forum: Ask IVA Forum and Industry experts
Topic: When can I start to repair my credit rating ?
Replies: 14
Views: 2013

I had my F&F IVA discharged in Sept 2011 when can I start to repair my credit rating?
Thank you
by gambler
Tue Mar 27, 2012 3:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: An extra charge because I had an IVA ?
Replies: 6
Views: 1083

I completed a full and final IVA Dec 2010,We are now selling our house to become mortgage free, when asking Santander for a redemption figure I was told there would be a £225 admin charge [fair enough] and possibly another charge because i had an IVA. Is this right? and if it is its so nice of them...
by gambler
Fri Aug 05, 2011 7:07 pm
Forum: Ask IVA Forum and Industry experts
Topic: Am I right in saying you are not allowed credit in a normal IVA ?
Replies: 5
Views: 1220

My reason for asking about applying for credit with a f&f iva was from a legal angle. Am I right in saying with a normal iva you are not allowed to apply for credit? And if that is right is it the same for a f&f iva?
Thanks for the replys
by gambler
Fri Aug 05, 2011 6:10 pm
Forum: Ask IVA Forum and Industry experts
Topic: Did F@F dec 2010, how long before I can apply for credit ?
Replies: 8
Views: 1082

Are you still managing to refrain from the gambling? As Jan says your credit record will be rubbish for 6 years from the date of acceptance of your IVA. You may find that Vanquis or someone of that ilk will be your best bet but dont go attempting to get credit until the IVA is off your record as yo...
by gambler
Fri Aug 05, 2011 6:06 pm
Forum: Ask IVA Forum and Industry experts
Topic: Did F@F dec 2010, how long before I can apply for credit ?
Replies: 8
Views: 1082

Broke of London wrote:

Hiya! Your post worries me! Why are you looking for credit so quickly? It may be best to try and get used to living without it. x
Nice of you to worry about me but was just asking the question as I think that with the normal iva you aren't allowed to apply for credit?
by gambler
Thu Aug 04, 2011 10:09 am
Forum: Ask IVA Forum and Industry experts
Topic: Did F@F dec 2010, how long before I can apply for credit ?
Replies: 8
Views: 1082

Did a full and final iva dec 2010, how long before I can apply for credit?

Thanks
by gambler
Wed Aug 03, 2011 6:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is it a problem for me to use credit card after F@F in December 2010?
Replies: 3
Views: 1092

I did a full and final iva in Dec 2010.
My wife [not on the iva] is the mainholder of a credit card which I have a joint card, is it a problem for me to keep using my card?
by gambler
Fri Dec 17, 2010 6:49 pm
Forum: IVA postbag for january
Topic: Good advice
Replies: 9
Views: 7838

I have stopped gambling for 4 months, and it feels great to have the burden of the debt of my back.
I found the most difficult thing was finding someone with inpartial advice.
by gambler
Thu Dec 16, 2010 6:50 pm
Forum: IVA postbag for january
Topic: Good advice
Replies: 9
Views: 7838

I have been in debt for the past 2 years [£84,000]mostly gambling.All on credit cards and a couple of loans. All came to ahead when Mint let me go £2500 over my limit and then asked for £2800 as a min payment. Started a DMP with 123debt solution and payed for a year £700 amonth, then Innovative fina...
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