I have recently completed iva after six years and have been keeping an eye on credit reports etc. I signed up for the free 30 day trial with experian and have noted that Pco Holdco sarl have noted partial settlement on the account with no default date. Also that my Repayment conduct asessment is Poo...

Having had a phone call on Tuesday last week to say that all the PPI had been sorted out and that i should expect to receive my completion certificate in a week or two i was elated when i got home from work on saturday to find my final report to creditors together with my completion certificate[:D][...

Very well done bombshell

After 6 long years i have made my final payment to my iva and cancelled my standing order...I am getting rather emontional as i type this. This forum has been my comfort blanket ever since i stumbled across the site over fours ago and i am in no doubt has been the source of knowledge i now have rega...

My firm is the focus insolvency group based in wigan. Overall they have been excellent and sorted out queries and issues very quickly and thoroughly. Highly recommended.

I am due to make my last payment on Monday (YEaaahhhh) but have received today an Extension notice under paragraph 8(2) of the standard terms and conditions. It is due to the PPI and states that they give notice to debtors and creditors that the iva is to be extended by 6 months as allowed. in order...

I have only one payment to go of my extra year due to equity....it will fly, and before you know it you will be completing. Well done.

I also was shocked to see my name on the website and am indebted to all the other ivaers who have helped to get this obscene website taken down.

It only serves to notice the power of this forum.

Keep the great work going.

It honestly does not feel long ago that i was where you are right now!! I am three payments to go after the 6th year extension.

Keep the faith!!!!

IVA's do work

Well done Goosed.

I have just got off the phone with my IVA provider and feel in the prsent times, of what appears to be bad practice amongst a few providers,that i must salute the team at DebtFocus who have been my provider. I am only four payments (and counting) away from finishing my sixth year (extra year in lieu...

TIM24752 we were in the same position last year. My wife and I knew that we might have to remortgage at the end but as that clearly was not going to happen my iva company looked for a secured loan. In the end as we have a joint mortgage my wife refused to sign up for a secured loan. It was however a...

My wife hadnt taken any credit at all but was associated with me because of our joint bank account, and yes she took the capital One bank credit card out for people with bad credit. As long as you pay it off every month, which we are VERY strict on it is fine. I have noted that they are up to their ...

I am in my final sixth year and my wife is trying to improve her credit rating and has taken a capital one card out which she uses for petrol but pays off IN FULL every month. She has applied and been accepted, if she wishes to go ahead, for a car loan with the local credit union, who i have to say ...

Not sure whether the link below is any use at all but it was put on another forum called trust deed forum and on it is a statement from Chris Parry IP from Creditfix.

Not sure why he could not have posted on this forum??


http://www.trust-deed.co.uk/forum/topic ... ichpage=11