Just a heads up here. Although I didn't have Santander as one of my creditors (initially), clearly one of the banks they bought WERE one of my creditors, and as such, Santander now appears as one of my creditors on my now completed IVA. It would explain why there were so b***** minded when they refu...

Hi guys Just after a bit of advice. Got my completion certificate through on Friday and just interested to know the best and quickest way of getting everything cleared off my credit file. Grant Thornton have told me that the creditors should individually do it in "due course" (4 - 5 weeks), and that...

Nice surprise coming through the door this morning, Nationwide have offered me a flex account. Goodbye santander

Sponge we've been here over and over. Your credit "score" is only 1 aspect. With no credit "history", your credit score may as well be 0

Ha ha. TBH, the one thing I have missed is something to fall back on in an emergency. Thats what my card is, but same as you, I've had to crowbar it out of my wallet the one time I used it so far, and then went onto the site 2 days later and paid the full amount straight off

I've got an Aqua card with £250 limit just to start rebuilding my credit history, and might look at a car lease sometime in the new year. Acutally feels weird to say things like that. I'm definitely never going to make the same mistake again, feels like I've lost 6 years of my life and have nothing ...

Nice one, well done. Little celebration this weekend I think.

Ok so essentially what you're saying is there will be NO actual "winfall" amount paid back to me, but rather a minimal amount which ends up being paid back to the tax man anyway?

Hmm ok, not really sure what simple interest means, but I'll contact them and see what they say.

So are you saying you retain the other 60% of the simple interest towards your fee?

No, massively disappointed!! I'm hoping there are some baloons and a bottle of something special being delivered by GT at some point next week

No problems. I have a feeling my complaint to that email address spurred them into action, because I contacted them on Tuesday and got my completion certificate emailed to me today. Sadly, it's not the gold embossed piece of correspondence I was hoping for to mark this momumental occasion, but rathe...

Michael, you may be able to help. Re PPI, I was told that although the bulk of any PPI payments would actually be paid into my IVA, I would be due any interest accrued. How does that actually work, what is the interest calculation, who do I chase for that (because I know for a fact that Lloyds at le...

As I say, I did the same Sensible and Aqua accepted me. Vanquis not so, I'm guessing they all use slightly different criteria

Somebody seems to have clicked a swith over there because things seem to be happening now