A massive congratulations from me to too especially Mel well done you more than deserve this award - Well done Kelly too. xx

Hi From 29 May, the DBS will filter certain old and minor cautions, convictions, reprimands and warnings from criminal record certificates issued. This may open up and improve employment prospects of some ex-offenders (depending on the offences) wishing to apply for roles where a DBS certificate is ...

I concur with all of the above and Melanie you will never know how much you do help all of us through this site the amount of your own time and expertise you share is above and beyond and I know personally at the start of our IVA you helped us through a long process and we will always be grateful fo...

Agree 100% Never go down that road again - I too had an interesting conversation with people at work and they were astounded when I said no credit cards, no credit and no overdraft - They said Gosh you're old school! if only they knew!!!

Thanks again for all the great advice

Lesley I agree 100%
Foggy agree with you also 100% I love after Christmas post now no credit card bills on the door step in January!!! Enjoy the debt free future that's what I say xx

I have no intention of going back down that path and as you say You only use it for £25 fuel each month and I think that's what I'll do too. Did you apply for Vanquis and Aqua at the same time?

Thanks

Thanks again for your help - I'll do that is that with the lender or the credit ref agency?

Also just signed up to the free Equifax credit report, they have the correct start date for IVA but they have date satisfied as one year later and not this year. Does this matter?

Thanks

Thanks very much - So I don't need to worry about them showing arrears each month - Will that still mean that they will drop off in October (After 6 years)? Thanks for the extra info and I'll be sure to look out for it. Do you know how often you can ask £2 credit report? Can I get one each month? Th...

Hi All, Encouraged by your postings I plucked up the courage to apply for an Aqua Credit Card and was approved straight away - Although pleased as its a step to rebuilding credit for future remortgage its a bit scary after managing so long without one! So I would say have a go - Although we have com...

Hi All, Can anyone help me with a question I have? After receiving CC I've got a copy of my credit file from Noddle and Experian still waiting for the other one! Although the majority have the correct IVA default date of those some are reporting arrears each month - Do I need to have them taken off ...

I'm really sorry to hear that you've had so much trouble - Hopefully it will arrive soon

We made our last payment in September 2013 - did the spotty letter thing even though we knew no PPI but it just seemed quicker to go with it - I had a reply from closure team at end of June telling me that it had gone for printing and posting and would be 3/4 weeks before it arrived. I did email bac...

Hi All, Yippppeeeee its arrived today dated 4th July - Now to clear the credit file as some of the creditors have the correct default date but have continued to put a D in every month! For all those waiting just keep sending emails to closure team and customer services team is the only advice I can ...

Hi All, Just thought I'd share the last couple of emails with you from Grant Thornton regarding CC:- 26th April received the following Our closures department who are administrating the finalisation of your arrangement have confirmed that once the Mass Variation Meeting completes, we will be in the ...