Hiya Wondering if I can get some help! I started my iva on 21/7/2011 with Freeman Jones. I settled via full and final settlement on 31/3/2014 and my IVA was supposed to come off my credit report completely yesterday! Release from the prison sentence day! However one of my creditors who I had 5 accou...

i have a flat and a landlord that is happy to accept the fact i've had an iva, it's just the stupid form i have to fill out for the guarantor that i can't seem to do! my mum is adamant that everything will need to be done by post, and could take ages to get them to actually do! there is no numbers, ...

Anyone had problems renting since finishing their IVA? I've settled with a f&f back in march, worked my arse off to save up to move out after moving back home with my parents, and every door is being slammed in my face? They want a guarantor, they want extra money for the deposit, extra money for th...

Hi Sarah, Just to let you know, i had a call from Lloyds TSB this morning, and they received my complaint from the financial ombudsman, and they have rectified their error. They said it will take 60 days to amend my credit file, and they will backdate the default to the start of my IVA, and they hav...

Sorry for asking another question but i've looked more closely into my last. I had 75% of my debt in my IVA with lloyds TSB. They now it appears haven't included one of the debts in the IVA, no-one told me about this though. No-one at any stage made me aware that my IVA wouldn't be a full consolidat...

Hiya, I cleared my IVA by full and final settlement in March 2014. Since my credit report has been updated to show settled, but one account with lloyds tab has not. I have since since letters, emails, contact my FA, showed my certificate... nothing... it's still in default. why won't they change thi...

Thats such great news! :-) everyone is all done and dusted! :-) Things have been so much better since the IVA Settlement! I've managed to buy a new car now :-) and i'm saving hard to move out! And currently awaiting an interview at work for a promotion! Just feels like such a massive weight gone, do...

Hey KTC, hope all is ok? How did you get on? xxx

Very disappointed not to have received my call back at 5pm today as promised by freeman jones on friday. Still worried as hell about this. Have now sent a chase up e-mail.
This stress should be over!! Very disappointed!

Every debt I had was put into the iva! Every single one was declared and all my cards were subsequently cut up! One by one after they were put in! That's why I'm confused where it's come from! :-/ the letter is from the royal bank of Scotland and the amount is what they asked back from that card inc...

Thanks Sarah! Just always seem to happen when I'm on nights! Nothing more stressful!

I called up and finally got through and spoke to someone called Matthew! Just so angry because I don't have any records of any account with the number they've sent me! Only had one account with rbs and that was part of the iva! Never had any contact about this account before! Just funny that I've se...

They're ringing the company now! I've only ever had 1 account with rbs and it was included in my iva! This stress was supposed to be gone with the f&f settlement!

Recently completed my via and received my completion certificate... completed by full and final settlement. Today received a very worrying letter from the royal bank of Scotland who were in my via to say they haven't been able to agree to a suitable repayment plan? What the hell does this mean? My d...

all behind you KTC, just wishing you luck and a speedy recovery! xx