I had the same thing happen to me with YB. Explained my situation and still passed the CC to get a full current account. Nearly three years later and had no problems. Card payments and SO to my IVA Company have never raised a single Yorkshire eyebrow.

Hi, I am really struggling with things at the moment. Its not the payments, I get by and I know I am not as pushed as some. It is practically everything else that seems to be getting me down. Single and in an IVA is not great. It's not the greatest attribute is it. " Oh, sorry but any plans you have...

And who said numeracy standards had fallen in England? Don't worry kids, if all else fails, get a job at Payplan!

Gemma, How good are EIF at tracing and reclaiming PPI that might have been on loans settled before the IVA. In my experience, it was the earlier loans and c/c that i took out that were the ones that missold the PPI, for example "you can't have the loan unless you take out the insurance". Glad PayPla...

Hi Gemma,
Is there any sort of priority to who are getting the packs first. Are younger IVAs as such at the bottom of the list?

They have risen steeply Sus! From September they will stand at £5000 for what would count as a full time academic year. However current students could be eligible for the transitional fee structure that guarantees the fees to stay the same as when you commenced you studies providing you meet certain...

Hi Sandie, have you been receiving financial support for the study fees?

Thank you for your replies.

Hi everyone, hope you are all well. I was hoping for some guidance.
My brother has told me that in the event of himself and my S in law dying that I would be a joint trustee to my nephews estate. Will my IVA effect my capacity to take this role?
Thanks in advance.

MBNA were my worst by far and they voted against. HBOS were really supportive who i owed 50% of my total debt too. Egg were pretty uninterested a couple of phone calls and standard letters. Next never rang and only sent statements. LLoyds, again, only sent statements. It seems a long time ago since ...

Hi Dave, You have come to the right place for some friendly advice. There are experts from various companies that offer advice to all the forum community for free whether you are a client with that firm or not, so you have come to the right place to start getting things sorted. Keep reading and post...

My best wishes to all forum members and people struggling with debt. May 2012 bring us all closer to some level of financial freedom. A sincere thank you to the experts and hardworking posters for all their advice. Take care x

Merry Christmas everyone. If only Santa could bring Mel, Jan, Andy, Tina, Michael, Karol and many others to people and families who are struggling with debt. Anyone feeling the strain right now, enjoy today and start asking questions on here over the next few weeks. By next Christmas you will be a d...

I seem to buy more at Christmas than I ever did pre IVA. Can't wait for my first Christmas after it is completed if I was to save my monthly payments from the date of my last payment to Christmas, i would have a whopping £3500 to spend.

Well done. I can't wait for that day. Think I would celebrate by having a glass or two of bubbly on top of one my favorite fells in the Lakes( not too many though, might not get down). Good luck for the future.