I am in the same boat and am trying to clean up my credit records. Now, I might be missing something here but I have got my credit report from all 3 agencies using the free 30 day trial but having looked through there are no mentions of defaults on there. Is this normal or am I missing something or ...

Thank you for sharing your experience with me Stecast, the way I see it I am in a no lose situation, if I claim and end getting nothing back then I am no worse off than I am now, anything I do get is just an added bonus. I was just hoping to get all the information I could before I put my claims in ...

Hi guys, I have previously mentioned on here about attempting to claim back PPI since completing my IVA, i was advised it would depend on several things, the main one being the terms of my IVA agreement, i have since been sent a copy of this but am unsure as to what i am exactly looking for. Is ther...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by cooltony credit scores via experian mean very little. You will never know what a bank considers a good bet. When i completed my IVA my credit score was in 850+. My adive is dont waster money paying exp...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles With regard to claiming PPI after an IVA has concluded, do check the terms of the IVA agreement as you may find that any claims you make will be grabbed by the former supervisor for the be...

Cheers guys, it really is a massive releif to have it finally over with but now is when the real hard work starts getting myself back on track and making sure i dont end up in the same position again. Throughout my whole IVA I have always told myself that when it is finished I will have a big night ...

Having recently completed my IVA, is this a service that is worth me looking into or is it something i could easily do myself?

Having finally finished my IVA this week and received the Certificate of Completion I'm after some advice as what to do next to start getting myself back on track.(Might be worth having a section on the forum for this?) I have apllied for my credit report and am waiting for Experian to post me my 'p...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by wiggle1 We're with Freeman Jones too, but as I've said on another thread we are now in our 5th month of waiting. I'm very sorry to hear that, i'm not sure why ther should be such big differences. To be...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by 12 months to go hi virtual-unknown first of all well done , its a great feeling isnt it secondly , which IVA co are you with, as a one week wait is truly magnificent, when some forum members have waite...

I have today received my Certificate of Completion and i cannot tell you how good it feels to eventually have this monkey off my back. It has been a long road but it has taught me many lessons and i am a better person for having walked this path. After my last payment i was told it would be 6 to 8 w...

I have a young son and even though i have had my difficulties, i do not want him to suffer because of this.

I am wanting to put away £10/£20 per month into an account for him for Uni fees etc as he gets older.

Is this allowed or would/could it be seen as me trying to save money for myself?

Hi guys, Just a quick question... At work in order to help the company and keep our jobs we all agreed to take a small reduction in our wages. I have just had the request through from my IP for my last 6 months wage slips for my review, do i need to explain why there has been a reduction in my wages...

Hi guys, Just a really quick question, i have just had my usual request from my ip for my last 6 months wage slips, this would be normal if i hadn't had a request a month ago for my last 3 months wage slips already? As i am two weeks away from my final payment, do i need to send all 6 wage slips to ...

Wow, 24 months?
That's a scary prospect, even 3 months seems excessive.
Surely when you've spent 5 years trying to get your life back on track i thought it would have been sorted a lot sooner than that