Thanks Foggy

Hi this is what concerns me too, our IVA was a full and final so only lasted a year 2013/2014 and completion certificate was received then, ppi was claimed as per our arrangement and Halifax were the only creditors who paid although it was a very small amount and it went straight to the IVA and we t...

<r>Hi everyone...it's been a while since my last post, but I have a question and thought it best to ask on here.<br/> We did a full and final IVA in Nov 2013 and it completed in Nov 2014, at the time we claimed PPI and while it was only a small amount it was paid to the IVA. Now we've received a let...

Thanks for the replies. Good to know!
I will apply for one of them and see what happens.
Thanks again

Thanks for your replies! Experian credit matcher came up with Barclaycard and virgin and tesco as cards I'd most chance of being accepted for I am just hesitant in case I applied and they reject me due to previously being included in my IVA. I don't want a negative on my credit file. Do they forget ...

Hi! We completed IVA over 2 yrs, credit files are now sorted. My question is I'm considering a credit card for the first time since IVA, now my credit rating is back to good, I've had a look online and the cards I have 80-90% chance of being accepted by are ones that were in my IVA like Barclaycard ...

Hi Foggy! Thanks for your reply! That's what I thought but just wasn't sure with completion certs seemingly taking so long if extra income was treated the same as windfall/PPI clause. Maybe we can start to move forward and get our life back, a change of job with a little extra income 'just for us' w...

Hi, looking some advice if anyone can help?? We agreed and paid full and final in feb 2014, we are still awaiting completion cert. If either of us were to move jobs with higher salary prior to receiving cert do we have to pay more money even though we paid the amount agreed for f&f? Just not sure ho...

Hi guys! Thanks again for your replies and advice. We have arranged to speak with our case officer again tomorrow afternoon to discuss our possible options, so hopefully we'll have a better idea of what we're doing. Great to know you guys are around if we need help!!
Thanks again!

Hi guys, appreciate your replies! Just to explain further....we were only a month into our IVA when my husband was paid off from his full time employment and since then he's been in and out of employment on temporary contracts. Becoming self employed was something we considered for a while but never...

Hi, just looking for some advice. We're 2yrs into our IVA but due to our low income (hubby became self employed recently and as yet isnt generating any income) we've just had a 6 month payment break. We had our I+E review recently too when our case officer suggested that we could possibly do with a ...

Thanks again Michael...we will get on to payplan asap.

many thanks

Hi Michael, Thanks for your reply. We didn't realise a further payment break would be an option as when we arranged it we were told our plan had maximum payment break of 6 months during the whole term of the IVA. Also we didn't know a full and final could be a possible option at this stage of the IV...

Hi everyone, hopefully some of you can offer some advice....Hubby and I are almost 2yrs into our IVA's. hubby set up his self employed homeworking business in may this year, as its still all very new its not yet generating a regular wage, (tho hopefully it will at least pick up a bit in 2013) and I'...

Hi everyone, does anyone know the benefits system inside out? Situation is; hubby is just starting out as self employed, altho currently also still working his 'employed' job to try and keep an income while the business is building, however he's finding it frustrating that because of this he isnt ge...