Thanks for your advice Michael, Your advice isn't far from our own plans. Currently we we're taking advantage of the low interest rate. Getting some savings in place and rebuilding our financial situation while we wait for the 6 years to pass. We have considered making over payments and did contact ...

Thanks Foggy

Thanks guys, We're by no means wanting to stay on interest only for the long term. We had initially started the mortgage 11 years ago as repayment but as a last ditched attempt of pulling back some money to pay our way we decided to remortgage and fixed at a term that was low at the time but shortly...

Hi guys, Happy New Year! Its been a while since I posted last which I think is because things have been going well thankfully. I have a question more so out of concern of not knowing the consequences. Brief background - Our IVA was completed with F&F in Dec 2014 approx 2.5 year into our IVA. We are ...

Well done and congrats on your completion :-) You maybe pleasantly surprised with your credit score, It by all means won't be in the green zone but it may not be at 0. If you've taken care of your Mortgage, bank account, phone bills, Energy suppliers then all these go for you. Noodle is free for bas...

Thanks Kallis, its been a long road and one which is with me each day. Its made me a stronger person. Like a phoenix from the flames I like to explain it as. Can anyone point me in the direction of these 'media reports' I stopped watching the news and reading the tabloids a few years ago. Its Full o...

Thank you Lesley, life is a much better place. Its remarkable how things can affect you. X

Thanks for your kind words

Someone actually has had a court case? I thought this would happen after reading so many disgruntled people.

I have managed to get the results I needed this far, I'm not about to disappoint.

I'll mention the 8% SI whist I'm at it too, be nice for a cash injection!

Thanks Lifenoteasy I shall give them a call on Monday and see what they have to say. We signed that many letters and forms I lost track, I possibly sold my soul to the devil and couldn't have cared less due to being so ill suffering with a breakdown. I am however back to a better version of myself a...

Hi Lesley :-) Thank you for your reply, we actually thought we were done with GT. We knew that people were having issues getting the Statutory Interest off them back then. We had asked and were told it would take a while to sort. We since have moved on with life not really thinking too much about it...

Hi Guys & Dolls, Long Time no speak, its been a fair few months since I was last on here, we completed our IVA in Dec 2014 - life is good and we're doing well rebuilding our finances. My question is - Since completion we haven't heard anything from Grant Thornton other than receiving our CofC, then ...

Thanks All, Keep plugging away, it will be worth it in the end. Now when people talk about their credit facilities I'm looking forwards to saying 'Nah we don't have anything except our mortgage & car' If I ever feel down my hubby simply says 'But Jules we're DF!' Such a great feeling being DF - Debt...

Thanks Foggy

Wahooooooooooo!!!

I've disappeared off it today

Thrilled to pieces. Thanks for all the advise and luck guys and dolls

I've received an email first thing to say they required copies of CC, Cover letter, Report & Creditor calculations. I scanned and emailed them back within the hour, just received another email to say that they have updated my info and to give it 24 hours for it to come off the Register! Eeek... The ...