Glad to hear that you are getting things back to normal, Sensible 77. My experience was also positive with my bank - The Nationwide - who also knew that I had been in an IVA. I applied for a credit card with them just after Xmas and got one no hassle. They offered me a very good deal, competitive in...

Fabulous news Foggy. Thank you for the all the very helpful and informative posts that you have made - they will have been a great help to many on this forum - not least myself. Very best wishes to you for the future!

Amen to that. We were PayPlan IVA contemporaries - what a weird way to meet someone, haha. Best of luck for the future to you.

Hi Sensible 77, Not been on here over the Xmas / New Year hols, but was so very pleased to hear that your CC has arrived and that you are finally debt free after completing your IVA successfully. Hearty congratulations! I agree that it is a great feeling and a lesson well learned. Enjoy your debt fr...

I'm very pleased indeed to hear about the proposed interim cc, Sensible 77! Let's hope that's it then. Keep us posted. Bryn.

Hi Sensible 77, Sorry to hear that you are still having these problems with PayPlan. Like you say, you might not need the cc to get on with your life, but that isn't the point. I do so appreciate how you want the whole thing behind you. Hang on in there, enjoy being 'debt free' cos u are now, and I ...

Hi Sensible 77

Has anything happened re your completion yet? Capital One have now settled my PPI claim thru offset. I think I will still get the 8% statutory interest back though; and a trickle goes into the IVA pot. Have EIF made any progress with yours yet?

Bryn

This great news is no surprise to me. As I have said elsewhere, Mel is an absolute credit to her profession and always goes above and beyond the call of duty to assist and advise people, the majoirty of whom are not even clients of hers! Amazing performance. Well done Mel, and hearty congratulations...

Hey Elaine, that's great news. I am so happy for you! All the best on your road to freedom from debt.

Marvellous news, what a great achievement! Well done indeed.

Hi MaxB, I got a Nationwide Flexaccout with a debit card [purchases in store and online, plus autobank withdrawals] when I started with my IVA back in 2007. They [Nationwide] were fine with it. I did my IVA with PayPlan who were very good to deal with in my case, but others are currently having prob...

Hi Sensible 77, I think that's a good idea if only to get some peace of mind. Like I said, I had [or still have] an offset case and I phoned EIF, who confirmed that it was ongoing, either very shortly before or very shortly after Payplan issued my cc, albeit without me being aware of the latter fact...

Agree with lesley. The creditors have the whip hand in all this and you cannot change that. On the bright side they are indeed off your back and the alternative was conceivably a whole lot worse. So congratulations on getting the proposal accepted, albeit with that modification, and the very best of...

Rooting for you, Alan. Hope that it goes well and that you can feel the releif shortly after 11am.

Hi Sensible 77, the creditors who sought to do that [offsetting] in my case were evidently Capital One and MBNA; as far as I know, neither issue was resolved with or by EIF at the time that my cc was issued - I have certainly not heard anything; and I phoned them [EIF] only recently [within the last...