Thank you for your advice, I will go back to Grant Thornton, and then on from there.

Thank you. They only contacted Grant Thornton as my husband's name has not been removed from the Insolvency Register and mine has.

Completed my IVA in Jan 2014, and finally received our completion certificate in Jan 2015 from Grant Thornton. We were self employed, and at the start of the IVA, a loan from the partnership was not allowed to be included in the IVA, as a business loan. This year, the bank wrote to us and said that ...

Life after IVA - IVA completed Jan 2014, completion certificate received 12 months later. We now need to build up our credit rating. I have read that a credit card is the best way to do this, but who excepts you? I did a soft search and applied for one that was recommended and this was declined. Is ...

Thank you - is life after an IVA going well?

My IVA completed 31st January 2014. Checked with Grant Thornton in August for my completion certificate and told can take 6 - 9 months. Have phoned today, and told wasn't even sent for completion until August, which was when I phoned. Now have to wait until next year before I can expect a completion...

We are still waiting to hear back from our insurers but will keep the forum posted. I am now panicking though, as I have not informed any of our insurers that we are in an IVA. This only arose because we actually had a claim and they asked, we have not been asked on our new car insurance or pet insu...

We have just enquired about a claim on our house insurance and they are now asking loads of questions about being in an IVA, and that we should have informed them. We have been in the IVA for 2 years, and with the insurance company for seven and have just renewed each year. How can an IVA affect our...

HSBC card services have phoned today and have agreed to change things over. I know this is all really due to our Business Manager at HSBC who has really helped push this through for us. I would recommend to others not to give up hope with your bank, if you have a good business plan, things still can...

The card company is HSBC approved partner, and he has intervened on our half, but it does not look hopeful. Just wondered if I should start asking around now, if anyone can help.

Hi - Just thought I would update this, the HSBC said "yes" to a limited company. Originally the computer said No, but our new Business Manager took it further for us, and managed to get one open for us. Our next problem is now the card services, who we have been with for six years, so asked to swap ...

I have found a company on line "Ltd Companies" that promise they will get you a business bank account but want paying £170.00 up front???? Are they dodgy?

Hi - yes a business account. Have read previous threads so now have emailed HSBC who we already have a business account with, but just want to stop this one and start a new one. Hoping they will prove sympathetic!!! Our accountant is on top of the threshold things, I hope. Will mention them to him, ...

We seem to be in a depressing circle. Self-employed and two years into our IVA. Have struggled this past year due to the recession, but managing to meet all payments. Lucky as our last tax bill has gone into the IVA. Now for this year we will be wallopped for tax, as we are taxed on the equity in ou...