bumping this up for help

So after discussing my sorry financial situation (2nd time in this mess- I have previously had an IVA) with those who know what they are doing it has been suggested that my best course of action currently is a DMP, largely due to the fact that my largest non associated creditor is Tesco (RBS) and I ...

of course Foggy I will do that!

Thank you as always for your advice Foggy. I have this evening spoken to Sue Clay at Jones Giles and Clay who was exceptionally helpful and then also had a response to an email I sent to Melanie Giles and spent another 2 hours discussing my whole situation with her.... Melanie is still very much pra...

thanks foggy, I am certainly hoping I could leave the gambling issue out of the background for my institute in an effort to preserve my membership and limit any damage to my career/job. I do appreciate that view but given that he basically pays for his own food etc I would be no better or worse off ...

So as it’s a new year I’ve decided to bite the bullet and told my dad about my situation, he is unable to help but I told him so that he is aware my debt with him would have to be brought into an iva if I have to go down that route, which it seems more and more likely it will be as I see no other al...

Are you able to recommend any really good IPs? I don’t know which companies are the “factories”

Thank you Foggy, i knew you would be helpful, you always have been in the past so I am grateful you are still here! Sadly it sounds like an IVA isn't going to be a great option for me or one that my creditors or governing bodies would accept given the reckless nature of how the debt has arisen, I al...

https://www.accaglobal.com/content/dam/ACCA_Global/Technical/fin/financial-difficulties-2013.pdf just a little further information.... ACCA consider each case on their own merits regarding discliplinary or exclusion from membership (which would then affect my job and income) and this is what they sa...

Hi all, it is with massive regret and embarrassment that I find myself re-visiting this forum to ask fellow members for advice. This is going to be a long one so bear with me please........ 6.5 years ago I entered an IVA due to debts which had built up over gambling due to a poor mental state that l...

My IVA was completed with a full and final and it has now been 6 years since my IVA started so my credit file is almost clear with the exception of one account which still shows defaults every month right up to date, what do I need to do please?

Oh so there is not even any point my asking them to amend the default dates to the correct date the IVA was approved until after they should have dropped off my credit file next April? Seems unfair they can’t just correct the dates in the first place so that there are no undue delays following the 6...

My IVA is due to drop off my credit file after 26/4/2019 as this is 6 years from the date it was approved but I have noticed that even though my IVA was settled by full and final a few years ago, 1 account still shows as defaulted and not settled as the others do, what do I need to do regarding this...

Perhaps I have just been lucky then but I'm not going to argue it, the new fixed rate deal saves me another £100 per month but I would advise anyone with Santander to perhaps try it if it worked for me! (Fingers crossed it remains ok!!)

Well, just a little update that I have just accepted a new mortgage conversion offer from Santander. I chose a new fixed rate deal using the online change your mortgage deal service (as I am in the final 4 months of my existing deal) and I have just completed the process so have secured a new fixed ...