Very unfair Andy! I've just had a look at the formula on the Consumer Credit website - you need a degree in maths to understand it!!! But looking at the couple of examples that are on there, I'm now more conviced that our figure is way over the top.

Watch this space!

To say I'm shocked is an understatement!! We are in the process of switchingover our mortgage with the help of Zebra and last week I requested redemption figures for both our mortgage & our secured loan. When I initially rang for the figure, I was told by the firm who we have the secured loan with t...

We're just in the process of changing mortgage companies & Mike from Zebra is dealing with that for us. He is fantastic! Each time I've emailed him (and there's been numerous times!) he has replied straight away. He has manged to get us a deal with a high street bank which will save us £300+ a month...

I'm confused. In the original posting the OP said that his/her friend refused to sign the IVA proposal. Did he subsequently sign it then? After the signing of their "private" agreement? Or is that debt not included in the IVA? If the "private" agreement was signed after the IVA went through, then IM...

Meant pre IVA obviously [:I]

What I can't comprehend is that, post IVA, most of us could swap mortgage companies with relative ease, even with huge debts hanging over us. Now we don't have those huge debts (in fact no debt) and, in our case, never ever missed a mortgage payment in our lives, the mortgage companies won't touch u...

Why do you have to pay the £179 into your IVA??? Do you not have the £500 windfall clause saying you can keep anything £500 or under? I distinctly remember experts posting on here when CPP first came to light saying that as the amounts would be minimal, IPs wouldn't bother asking clients for it!

But as Andy says - how can they fail his IVA? He doesn't say he hasn't paid the PPI, he says he has just found out he is owed it. Therefore there is no reason, in my humble opinion, that the IVA can be failed at this point. Should he not pay the money over then that's a different matter (even though...

Melanie - it isn't simply a case of it still showing - it's the fact that it reappeared after having been removed a couple of months ago after I queried the default date then! How can it be put back on??? Is that even legal????

So, the day of our monthly credit file update is here. Noddle & Equifax - clear as bells, top credit ratings. Experian? For some unexplained reason, a default has decided to re-appear on my file!! With a default date 1 month & 10 days over what it should be. How on earth can this happen?? This has b...

I still fail to understand why/how GT can refuse to close some cases whilst waiting for PPI to be investigated, yet they close others. There is no consitencey whatsoever in the IVA market in my opinion.Luckily ours were closed while investigations were (and still are) ongoing, but I feel this is bec...

Hi Blobby

Follow this link:-

http://www.landregistry.gov.uk/public/p ... -ownership

for £3 you can download your property's title register etc.

£500 here too for the starting amount. Just gone to £1750 but I'll not use that! That's one reason why I pay the full amount by D/D - so I'm never tempted to use more than I can afford to pay in full each month. Having no overdraft facility is wonderful!!

I've just received my gold "upgrade" today Lesley! I just spend a little each month on it (don't need to, just want to prove I can pay it off), have the full amount taken straight from my bank each month so hopefully my credit worthiness will soon be the best it can be ( once I manage to sort out th...

Does anyone else have the same issues as me with credit files?? Why do the same creditors show different information on eah of the main credit files? It's so frustrating!!! I have one creditor who had my default date as a date before it actually was [:)]on one site, the correct date on another & a d...