Search found 612 matches

Search found 612 matches Page 1 of 41
by 12 months to go
Sat Apr 11, 2015 1:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: Clean Record
Replies: 3
Views: 2253

great news villapb , exactly the same happened with me 2 yrs ago im much more responsible with money now , took a loan for something a 18 months ago and repaid it early , I only wish it had not taken me 45 yrs to learn how to be better with money, but hey , I learned my lesson the hard way and your ...
by 12 months to go
Sat Apr 11, 2015 1:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: credit reports after IVA completion
Replies: 8
Views: 2970

hi dave the good news is that these will disappear from your credit report maybe sept this year, almost certainly October; I satisfied my iva 2 or 3 yrs ago now and shortly after the 6 yrs mark, my credit report became superb I too am saving for a mortgage again, as I had sold my property prior to m...
by 12 months to go
Sat Mar 22, 2014 9:07 pm
Forum: Disputes and IVA Mediation
Topic: DFD plus Equity In Finance pulling my hair out
Replies: 10
Views: 7985

well done from me also ; bet you feel great i know i did , although its amost 2 years ago now since i made my last payment
by 12 months to go
Sat Mar 22, 2014 9:06 pm
Forum: Ask IVA Forum and Industry experts
Topic: Upgrading to a platinum account with no overdraft ?
Replies: 9
Views: 3204

hi A12304 i was with a diff bank altogether , so my comment may not be of relevent, albeit a very similar scenario . whenevr i used the Nationwide counter service they always asked me if i wanted to upgrade, one day i decided i would , before i said yes and let her push the buttons, i stressed i wan...
by 12 months to go
Mon Feb 17, 2014 8:06 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can you tell me what a Certificate of Completion should look like ?
Replies: 23
Views: 3552

hi david.vn like you i was most dissapointed at the appearance of my completion certificate ; my 10m swimming certificate from 40 years ago was visually more exciting ! i described mine as the most non descript piece of paper i had ever seen will done on completing , sorry like me you were underwhel...
by 12 months to go
Sat Feb 15, 2014 11:59 am
Forum: Ask IVA Forum and Industry experts
Topic: I have a couple of questions about the legitimacy of my IVA, now in fifth year.
Replies: 5
Views: 1498

hi michael.05 well done on getting so far as you are almost at the end im no way an expert , gaining my opinion from completing an almost 6 yrs IVA and reading the forum to me what you say sounds completely wrong; however and again remember im not a qualified expert , but my opinion is that to rock ...
by 12 months to go
Sun Jan 26, 2014 6:15 pm
Forum: Ask IVA Forum and Industry experts
Topic: Car finance , amazing
Replies: 12
Views: 3022

great post and great news for you funnily enough i was reading somewhere on internet yesterday , that local lenders tend to be more flexible and have competitive APRs in many cases. i wondered how this could be the case, but its obviously true in many cases well done for getting through your IVA & l...
by 12 months to go
Sat Dec 28, 2013 8:49 pm
Forum: Ask IVA Forum and Industry experts
Topic: I'm living with my girlfriend since my heart attack and missed 4 IVA payments. I have no assets.
Replies: 8
Views: 1689

hi paul.nt i can only echo what foggy and kev59 have said from personal experience , albeit it several years ago , I was several paymnets behind for an altogether different reason to yourself and DFD where superb at the time; im led to believe most IVA providers are for genuine cases like yours. Con...
by 12 months to go
Sat Dec 28, 2013 8:41 pm
Forum: a success story
Topic: Within Touching Distance
Replies: 50
Views: 47575

what fantastic news, really well done[:)] if like me , you will have found the final 12 months have flown and now you only have 2 left. look forward to the new year and the extra money you will have each month I look back on my IVA as being a huge turning point in my life ; i only wish i had learned...
by 12 months to go
Sat Dec 28, 2013 8:38 pm
Forum: Ask IVA Forum and Industry experts
Topic: Responsible borrowing post IVA if no other choice
Replies: 5
Views: 1793

Hi til firstly congratulations on getting so far ; really well done Been there and worn the t-shirt; ive had exactly the same scenario as you, albeit i got my CC 14 months ago You should find your IVA will drop off your credit file once the CC has been recieved and the Official Reciever has also rem...
by 12 months to go
Sun Dec 08, 2013 6:55 pm
Forum: Ask IVA Forum and Industry experts
Topic: life and finances AFTER an IVA
Replies: 12
Views: 3701

Hi Bridgey i made my last payment in April 2012 & got my CC in November last year initially cautious in taking credit , i upgraded my account in Feb this year & took a credit card from my bank. I owe £2500 on this . as i paid for 2 hols on it, but have been paying a couple of hundred pounds each mon...
by 12 months to go
Thu Oct 31, 2013 8:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: Last payment tomorrow - Freeman Jones ......
Replies: 10
Views: 2040

yippee really well done

debt free for xmas and your dec wage in a months time will be all your own. tomorrow may well be your mad friday

best wishes
by 12 months to go
Sat Oct 05, 2013 10:18 am
Forum: Ask IVA Forum and Industry experts
Topic: Melanie Giles Insolvency Practitioner of the year
Replies: 71
Views: 8732

about b***** time

dont know what took them so long

very well deserved

x x x x x
by 12 months to go
Tue Sep 24, 2013 7:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: Nationwide credit card post IVA
Replies: 6
Views: 1901

sorry wild rose , i didnt realise you had 6yrs to go i could be wrong , but i think you may struggle until it drops off in 6 years time eg my credit score changed from 240 to 980 the month after the iva dropped off my file im sure one of the experts will be able to better confirm what likley situati...
by 12 months to go
Tue Sep 24, 2013 7:07 pm
Forum: Ask IVA Forum and Industry experts
Topic: Mis-sold card/ID protection
Replies: 3
Views: 1358

bumpety bump
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