Hi - i finished my IVA about 2.5 years ago after paying 100p but it won't drop off my credit file for another year. I had been leasing a car at eye watering rates because of this but over the last couple of years, i have been trying my best to rebuild my credit etc. I used the eligibility calculator...

It appears due to a lack of judges, the hearing has been delayed

My IVA was with kingsgate and it was written in to my documentation that there would be a 3 month administration period to close the IVA. I had paid 100p, had no PPi etc. When they told me it could take up to 6 months, i brought up the fact that i had written into my proposal 3 months and that if ne...

Hi - i applied successfully for a vanquis card after making my final payment so everything was still showing on my credit file and my IVA was still active. I had no problems getting one with a £300 limit. i have had the card now for 18 months, always paid the balance in full every month and they hav...

A good way to avoid any searches coming up on your credit file is to use an eligibility checker - when you log into noddle for example, there is a cards matcher section - this allows you to put in some personal details and it will give you the options that you are most likely to be accepted for.

If you paid back 100p in the £ then any PPI claims would be yours to keep - if that is the case then you would be better off making a claim yourself and not using a claims company as they will take a large % for themselves - if you do it yourself, then you would keep it all

I wouldn't see it as rocking the boat. I would definately challenge them - you took an IVa with a different company and were sold on as a client. they have by the looks of it changed the agreement that you originally signed without your consent. If you truly believe that they did a better job than y...

I had my IVA with them - they are not a bad company in the grand scheme of things but the case workers seem very non-communicative however if there is a problem then an IP will step in and make contact with you if you shout loud enough! I didn't deal directly with them when setting up the IVA as i d...

That is interesting - my IVA has completed and Natwest froze 2 of my accounts (one was an ISA with around £200 and one a current account with around £800) neither of those accounts had a negative balance but the credit card i held with them did but they froze both accounts. I have been getting state...

fortunately there was no mention of interest in my proposal so i had no need to pay it. Surely one of the selling points of an IVA is that interest is frozen - on this site "what is an IVA?" it states: What is the Purpose of an IVA? The IVA helps those in financial difficulties to make a formal prop...

i used anycaronline - again expensive but with limited options it is good for shorter term lease as they only do 1 year for bad credit.

I know when my IVA was active, they charged for doing a full in depth credit search to check for any debts not included and any additional borrowing so i would say, yes they could easily find out

Hi Longslog, you may not need to wait for a card like vanquis. I applied for one as soon as i had my completion certificate and was accepted - my credit file will not be in good shape until Jan 2018! What i did do however was use the tool available on noddle which shows which cards you are most like...

i got an aqua card 6 months ago, my IVA is complete but will remain on my file until Jan 2018. The nice thing about aqua is that although the APR is high, it reduces by 5% each year (for 5 years) so after that time will be about the same as a mainstream card and has no foreign transaction fees which...

GW financial will refer you - i didn't realise this myself until it was too late and they charged me a fee which i was under the impression was used as part of my IVA payments but was not and they did not ever mention that they would simply put the case together then pass me to another company - aft...