Yes it was a six year Iva

But disappointed that even thought it's complete its not over because your credit file is inaccurate

Surely those companies who provided inaccurate information must be liable for causing me unnecessary stress and worry

My Iva completed in Sept 15 and I received my certificate in November. While trying to clean up my credit file I notice not one of the companies involved in my Iva have lodged the correct date with the credit reference agencies with some of my default dates listed over a year after my iva started. T...

so I made my final payment in September 15 and today in the post received my certificate of completion. it has been 6 very difficult years dealing with lifes stresses never mind the constraints and impact of being in an IVA. I have suffered a breakdown in a relationship,disappointed my parents and n...

FAO Melanie

would it be possible to contact you directly via email??

its around 4 years since i first plucked up the courage to contact Melanie and address my debt issues. at the end of the month i make my 48th payment. for once im starting to feel a bit more positive about this whole process and hoping the conclusion comes around very quickly. the last 4 years have ...

life continues to be a learning experience even at 42yrs of age.

whats next???

thank you Oscar but i just have to beat this myself...

just feel constantly overwhelmed........so many emotional ups and downs...its always on my mind

after becoming ill and suffering a bout of depression i had a breakdown and had to tell my parents of my financial situation and iva. had been able to keep it a secret for 3 years until last month when life just got on top of me and i couldnt cope with it all. the disappointment on my dads face on h...

i know Melanie

lifes such a struggle at times,let myself become so down its hard to find anything to smile about lately

works a nightmare and lifes just such a drag i dont know how people manage to get through 6 yrs of this i really dont

with the co op but dont like that they dont update your online balance for 24 hrs hard to figure out what your money situation is sometimes

thanks Karen for kind words.

never thought this would be so difficult,the thought of the next three years on this is scarey,just wish it was all over.

need to get my monthly finances back in check ive been all over the place the last 6 months

will make my 36th of 72 payments in a few days so half way there its been incredibly hard 3yrs and my relationship became a casualty of being in an IVA it has been an incredibly lonely time and not to mention life just seems to get more expensive have submitted my info for my yearly review and await...

is it safe to open a bank account with a bank who was a creditor in my IVA?

IM AFRAID THEY MIGHT SEIZE MY MONEY WHEN I DEPOSIT MY SALARY TO OFFSET THEIR LOSS?

i had a barclaycard whose debt has been sold on post iva commencing and wanted to open a basic bank account with barclays....

any advice???

yes i've no doubt i'll be treated fairly by Mel and co. to be fair they have always been excellent in all aspects of my IVA so far. i guess i just like to know where i stand so that i can plan for the next year ahead.... havent been on forum since last year but always good to have a read and learn n...