Everything, Credit card over draft. Not that I want either. Plus £100 for joining them. Why can't M&S thats why I think they are wrong and fibbed in their letters they sent me.

Yes Mel well said. First Direct was brill. Highly recommend them M&S well I can't say it on here.

Thanks, Ive checked all the CR it is very clean. Experian, Equifax and Call Credfit. I have a Bank account with First Direct. I was trying to get the £100 off M&S for their new Bank account. I just think you should not be penalised once you have completed your 5 years IVA and 6 years on your Credit ...

A bit naughty its like a blacklist. Shouldn't be allowed.

Hi folks not been on here for some time. I'm IVA free now and after some time cleaned my files life is good. Not that way a few years ago. but there is a light at the end of the tunnel. However very annoyed with M&S. I applied for one of their new bank accounts and was declined. I have an excellent ...

As said as long as you have completed the 6 years then they should not be there. It was a mine field for me too. I wrote to every company that had a default on me some had put it on after the IVA which they can't do but they do. Apart from a couple they all removed it and the ones that didn't I comp...

Today I got a loan I was scarred stiff!!! No not the payments or I couldn't afford it but a loan?? Its amazing now how much I look at incomings and outgoings and a bit of panic attack. Not that I can't afford it but I don't want to be there in that black hole. Bought a folding camper something I hav...

Hi, I spilt up from my ex and my payments reduced from £850 to £400 which was good chin up and the light is near. As said no one deserves a violent parter. Good Luck. x[:)]

Be very careful in saying that if your IP knew you had more money than paying back your debt or shares then they will have it!!!!! I got a bonus one xmas and when I had my revue I had to pay it all back. Free of Debt. Good luck.

PS Don't be nervous we are here to support.

Totally agree to unto my neck. Stay away from his finances I wouldn't even mention the move in??? It is hard but its the best way if your in a lot of debt?? I don't know your circs but have you considered Bankruptcy??? If you rent then this might be a better option?? Whats the total of your debt??? ...

Ginger is right and I should have said. I phoned them. I went from a Basic account due to my IVA to a flex account. After a couple of weeks they phoned me and they upgraded me to a Flex plus account and they put me through for a credit card. Yes if on the CRA you still had the IVA then no. But as sa...

Noodle is part of Callcredit and free. However only updates each month. Why don't you pay for a couple of months for experian first month free and Equifax. Thats what I did. Callcredit is a third of information the main ones are experian and Equifax. Why go for Vaquis???? I got a credit card from Na...

Keep checking them. With mine they put defaults on after my 6 year was up. I paid for experian for a couple of months and Equifax well worth it and complain if there is something on there to the company. I got a total of over £300 form Santander and £190 from Halifax. Good luck. I am a bit unsure wh...

Just got a mobile phone for my lads birthday. The chap said we have to do a credit check. Reply no problems. One happy boy in Oct for his birthday. I can't say how much relief it is. Those out there do not despair it will be over be disciplined and stick to it. Its not easy been there read the book....