Why don't you find a property you are interested in letting, contact the Agency or Landlord and you should be able to use your Partner as a guarantor as he can show that he has his own Property and you can also show that you have been a good tenant in the past, and that your affordability to maintai...

Congratulations "caraf" I am glad your road to becoming debt free is almost at its destination.

I can see that 2013 is going to be an amazing year for you

DFD are a fantastic company as well.

Best Regards,

The Insolvency Practitioner can go back to the courts and request a restriction is enforced with the included creditors which has the same nature as an Interim Order prior to IVA acceptance but would follow different rules. You may just be getting automated letters from your creditors, these will co...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by kallis3 DebtlineUK - can I ask why you are editing posts a day after you originally posted? It is against forum etiquette to edit a reply once a reply has been made as it can either make the answer loo...

Upon your IVA being accepted your creditors should no longer be contacting you, they should have your IP's details and be corresponding with them directly instead of you. If you contact your IP they will contact the creditor and request that this stops immediately, if they persist you can get an int...

northumbrian69 congratulations on getting this far and best of luck for 2012, this post will be very helpful to those just starting an IVA and feeling as though it is neverending. You will all get there in the end with a bit of hard work and help is there if this starts to slip. Congratulations agai...

As "MRBLUESKY" suggested this should be possible if the offer is declined, your IP/Creditors may also accept to vary your IVA if the 11k cannot be permitted as a full and final but a part settlement to adjust your IVA term/payments. But looking at fees and your estimated debt level upon starting the...

Was you under the impression or advised at any time the full claim would be awarded back to you after the PPI company had deducted their fee? If so then they have mis-sold you the product and you have a right to appeal this charge. You need to discuss this with your IP, you will be able to add the d...

If the 6 year cap had expired now, you had forwarded your COP to previous creditors and credit reference agencies you should be eligible for a current account again or a top-up card which can be used to rebuild your credit scoring. If you say the IVA completed in 2009, it should now be the end of th...

Co-Operative are welcoming to Bankrupts, and as far as I know there was a debit card option last time I checked but no credit options/cheque book but that may of changed. An alternative is to look for banks which will run two seperate accounts for you, a Savings and a Spending account. The spending ...

I presume it is a basic account therefore should be no issues adding another person onto the account even though the credit files may be impacted, savings accounts still have debit card options just without the use of credit features so should be fine. Bankrupts can have high street bank accounts, s...

Well you need to contact your IP, they are the ones who need to update the Insolvency Service regarding your completion. In respect of your credit file, credit reference agencies should receive an automatic update on your completion so you should check the three reporting agencies and if there is an...

In May 2011 there was an accounting update, and in June there has been an office change but cannot find any more information. If you don't have any luck you can trace your payments to which merchant they are being routed to now, this can be done via your bank but if Andy Davie is dealing with this f...

This all depends on your particular IVA case, if you are a Homeowner and unable to release equity it may of been agreed during proposal to extend, or if you have had to vary your IVA at some point as there is no specific clause written into the Insolvency Act 1986 that states an IVA will only last 5...