Lisa Thomas wrote:

She might find this quick video I made about cleaning up your credit record useful:

https://youtu.be/PV4RzUY4BRM
Noddle and Clearscore are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/

Thanks I'll take a look

Congratulations to you and your wife. Hope your next 12 months are easier. Please may I ask who her IVA was with? I hope to make my final payment at the end of October. It would be great if my CC was issued as quickly. It was with pay plan. They've been a bit got and miss recently with getting back...

Ok posted this already but I can't find the post? Anyways hooray my wife finished her iva ! Paid the last payment end of July and got the completion certificate yesterday which seems quite quick by other accounts I'm reading on here. Still have 12 months to go on mine but we're getting there. Questi...

luluj wrote:

No need to tell someone that you are in an iva.... just say you are looking into claiming back some misold monies years ago on a credit card and they need a witness signature ...

Unfortunately the form they have to sign as a witness has IVA written all over the top of it.

Foggy wrote:

Food shopping per week guideline figures are £170 (£222 max) for a single adult. £287 (£354 max) for a couple and £71 (£86 Max) for each child.

Surely this is per month isn't it?

Hi Guys, So my we have just paid the last payment on my wifes 5 yr IVA, still a year to go in mine, We've had the forms through from Payplan to fill in for completion cert etc and one for PPI claims ( still cant understand why they leave the PPI part of it till now and didnt do it some time in the l...

By the way -- allowances for a couple and child would be around £360 (guideline) and £440 (max). The dog should be allowed £25 - £35 a month on top for food and insurance. Interesting, Payplan told the most i could claim for 2 adults and 2 kids is approx 450. I felt this was a bit tight for us, my ...

Cheers will do, am just so worried that wife is going to be working double her hours and on nights and we'll be no better off

Thanks for that. Yeah I kind of get that impression of them TBH. The worrying things is, even when my wife finishes her iva we are actually not going to be any better off and could potentially be worse off. Meaning the long 5 test wait to get through hers is pointless because it's going to go on for...

Hi guys, Been a while since I posted on here but am getting but worried about something. My wife and I are both in an I've. She has just accepted a new job. It means she's going from part time to full time and working nights so it fits around my work. This means wages will go up from roughly £800 pe...

The thing is about 9 months ago I had to have lot of work done to one of the cars & knew then that it was going to continue having issues and wa never going to live the span of the IVA and I voiced my concerns about this to Payplan. In Oct they asked for 3 months payslips which they've never done be...

So its been a while since I posted on here but things have been getting to me a bit recently. Ive had personal issues the last few months making keeping to financial obligations difficult but I have managed it just. Anyways In Autumn last year there was the possibility of some overtime at my work wh...

well just a quick thanks to everyone on here for the advice and encouragement on this and another thread. The good news the security checks went through after they asked for some extra financial info and they will recheck financial situ in another 12 months. After my initial application went in in J...

Ok I didn't put anything about the iva on the security form before sending it as it didn't ask any financial questions and I hadn't found this thread at the time. Anyway they've now sent me a financial questionnaire which I'll obviously put the details of the iva on. Fingers crossed they don't look ...

Ok I didn't put anything about the iva on the security form before sending it as it didn't ask any financial questions and I hadn't found this thread at the time. Anyway they've now sent me a financial questionnaire which I'll obviously put the details of the iva on. Fingers crossed they don't look ...