I realise that I don't post very much but I have found everyone on the forum to be so helpful and kind to everyone that posts here so a big thank you to everyone for that. I just wanted to share my news that I have received my certificate of completion. I have been incredibly fortunate to have the s...

Congratulations Foggy, very much deserved.

Wow, thanks everyone and I am truly stunned anyone might read it amongst the spam posts that seemed more interesting than my blog! I tend to lurk a lot as I don't feel that qualified to offer advice on here but I enjoy reading the posts on the site and I am eternally grateful for everyone on here an...

NatWest allowed me to keep my basic account and e-saver account although it had been opened and used as a main account for at least 6 months before the IVA. The downside to this account is you have to use either RBS or NatWest cash machines only and you only get a debit card that is online only.

Hello Joanne Are you already in an IVA? If so then it would be best to discuss this with your IP. However if it is to do with the change of IB over to ESA, have the put you in ESA WRAG or stopped ESA all together. Contribution based ESA does only last for 365 days but you may be able to claim income...

Congratulations Foggy on getting the CC and wishing you all the best for the future. You always post helpful and balanced views so it is great to hear your experiences and how it is now finally over for you.

I also would like to wish everyone a Merry Christmas and to wish everyone the best for 2014.

This forum was essential when deciding my debt options and I just want to add my thanks to everyone that contributes to it.

Congratulations and inspiring to read that despite all the set backs you have seen it thought to completion

The only 2 things I can think of would be CSA arrears or DWP overpayments that would have anything to do with the state. Hopefully the poster can be a bit more specific as to whom money is owed to.

I was with StepChange for my DMP but I kept it running until the creditors had approved my IVA. However I didn't do the IVA with them so I don't think they were aware of it until I cancelled my DMP.

I may be wrong but I am sure on my log in it would only allow me to try to upgrade to a silver select account which is paid, not sure if it was different if you tried in branch. Then again it is entirely a non starter now anyway as I just got notification they know about my IVA from the IS and so I ...

Congratulations Melanie and as others have said it is very much deserved, not just this forum but also your clients are very grateful for all the hard work you do. Completely biased as one of her clients but I think Melanie should win this every year!

I've also found Natwest to be very good with me and although it is not available on the basic account which I have, I don't think it is discriminatory in my own opinion. I am just grateful to have a free bank account with a decent internet option. Like all banks, everyone has a difference experience...

Glad to hear the IVA was accepted and although it is for the 6 years instead of 5, at least your father is not affected by it. Good luck with it all.

Sorry to hear of your difficult month, I hope things improve for you. Sometimes it just seems it is one thing after another. I found what really helped was a spends diary so I could see what was being spent daily and on what as it is quite scary how it can soon add up. If you are looking at the budg...