Wow congratulations - I know how you feel we finished our's in July this year and it still seems unreal. Can anyone tell me how to check our credit score. I have joined Noodle for free but there appears to be some people who feel their score is worthless! Any views?

Thanks Foggy

ok thank you - the start date was 12th May 2010 so effectively 12th May 2016. How long after this date would I need to wait until applying for this lease car? My actual last payment goes out 1st April 2016.

Ok so having been down and talked to the garage I realise that this is merely an introduction from a Ford Employee and it is in effect a Personal Hire Lease with monthly payments for thirty six months at the end of which time you make a balloon payment, hand car back and walk away, or take on anothe...

Yes I know I find the car and knowing I can get to work more stressful than the IVA!!!!

Thank you - have a very good relationship with case worker at Payplan - am def going to phone her Tuesday to check - no way am I going through the last six years to do something illegal at the last post. Thank you all.

Ford Staff members introduces you to hire purchase a car with a small incentive. I was looking to get the most standard fiesta deposit of £140 and then 36 monthly payments of £140. This is half my usual IVA payment. I appreciate I would never own the car but would trade in and continually make a pay...

sorry - not sure why my original question came up as a new member - I was logged in? Sorry for the confusion.

okay than you for clarifying. Its been a long six years and the last year has been constant repairs on our car - £650 2 weeks ago and since picking it up its developed a new problem with the coil light flashing on - turn off engine and re start it goes away but the garage needs to see the car when t...

Last payment to my iva due 1st April. car problems for entire last year. Friend has offered me a car with Ford under Ambassador scheme when can I apply for this and would I be successful immediately

Oh this was us back in February - it was devastating and so expensive - the clutch and slave cyclinder needed replacing - the cost of the replacement parts and fitting cost more than the car is worth. But a payment break was the only way and our IP was very understanding.

Ok thank you Foggy -I thought it was me but I kept getting back on line e-mails stating 'you need to re-mortgage up to £114,000' and no matter how I explained my question the response came back as above - a one line answer!

We are with payplan and our proposal states that if we cannot re-mortgage we pay for a further 12 months. The confusion is that I believed like you that we would need to re-mortgage for the outstanding mortgage (£123000) and the 85% LTV Equity (£114,000) - ie: £237000. When I questioned very clearly...

Thank you Foggy.

sorry i seem to have posted twice.

Duplicate post deleted.