Most excellent that the Halifax didn't hold your IVA and status as a previous debtor against you, and looked at your application on its merits. Gives us all hope!

Gary

One other question that might get asked is that, if you have equity in your house, why you couldn't use that to pay off your unsecured debts. You're usually asked to do that anyway at month 54. And if you're in an IVA, any sort of credit is going to be hard to get. But luluj is spot-on: talk to your...

I, too, went out for a few beers with a friend in celebration. Really glad we get the extra hour in bed with which to recover

Gary
(in our own beds, I mean, she's a married woman (and not to me))

Claire & I seem to be IVA 'buddies' - my CC was also dated the 15th, and I'm also off the register. Does the IP let BIS know at the same time they let us know, or can they sometimes be a bit tardy? I was expecting it to take much longer - not that I'm complaining!

Gary

Thanks Claire. Mine was dated 15th October as well! It's a good feeling, isn't it?

Gary

And it's not just the PPI refund, there's also the 8% simple interest you get back too. And on which you get taxed - but if the whole lot gets sent to your IP because you're in an IVA, and you forget the tax issue, you could find yourself with an unexpected bill. For me, it should be: If the PPI cla...

Thanks everyone. First order of business was a cup of Yorkshire Gold, second was to look at getting a cash ISA - the tax due on the 8% simple from all those claims pushed me over the 40% boundary. You couldn't make it up!

Well done - and enjoy the holiday!

Actually, several bits of paper to read and digest, including two copies of the Certificate of Due Completion. So huge thanks must go to Sue Clay, Laura Service and everyone at PJG Recovery who have had to cope with me over the last four and a bit years. If you're looking for a recommendation, they'...

Sympathies and empathy from me: most of my neighbours are renting, which is why I've put mine on the market (oh, for a viewing...). Have called the Council three times this week alone about the noise from my new immediate neighbours, I and others have asked them to turn it down as well. But I'm stuc...

I normally wait until mine hits £20 then tip it back into the main account. When my IVA eventually winds up (I'm in credit on payments and there's £15.2k in the saving account at the moment, we just can't close the wretched thing down!) I'll start doing the sensible thing of tipping whatever's left ...

With Lloyds (possibly also TSB now) you might get a Save the Change account attached to your main account. If you buy something for, say £10.27, the 73p needed to round up to £11 is put into that account. You can transfer it back into your main account anytime you want. It's the electronic equivalen...

I echo Foggy's comments, though it also depends on how you're living your life, of course. There were some months when I'd come up short, because I had travel expenses or similar that I was waiting to be reimbursed for. But I almost always had more than £0.00 in the bank the day before pay day, and ...

I had a similar thought earlier in the year - my mortgage provider, A&L (now Santander) wanted £95 per annum as I wouldn't be living in the property any more.

You also need to consider if you need a deposit + a month's rent in advance - difficult to accumulate if you're in an IVA.

Gary

Being almost at the end (see 'My story' post) of my IVA, I'm hoping to sell and move into rented in the next few months. If you're upfront about your situation and can show you can make the payments you'll find a landlord with a bit of sense. To be uncharitable, an empty property makes them no profi...