IVA five years done next month, it was paid off three years ago as lump sum. What happens re credit score now? Does it stay bad for six years or does it suddenly start to do ok after five?

Thank you MikeyM that is a great post

I feel I need to make this post as someone who has "mental health issues" according to the so-called neurotypical world because I have autism, and, hopefully to bring this issue to the attention of others. It is a well known fact that people with mental health issues are over-represented in the debt...

Yeah I can understand where you are coming from, but believe me living in an affluent village when you are the farmer whose tractors they complain about leaving mud on the road, whose animals they complain about, well it becomes quite a big deal taking any more off the Londoners who have moved here....

That is great, so pleased for you. Well done Sonicboom

Harrysmummy, thank you. I just hate stupid people who think they are so above feelings that they can joke about and judge an individual by the way they themselves feel. Those of us who have learmed to respect how others feel in a given situation, when we ourselves know nothing about that person, wou...

Yeah, autism does that to you kravarran. But then what do you know about being autistic hey?

Clearly your joke comes from ignorance of village life. Pathetic.

Probably two print runs with different format AJB?

Well said Lou. Just wondering if these two are employed by Creditfix or if they are trolling.

Well Saltyseaplumbs you might like to know that my postie DID point to the envelopes and smile at me this morning which proves they DID attract his attention as being unusual and, as they were the only bit of mail this morning I was glad the IVA reference did not show because I know full well he wou...

Saltyseaplumb I think you have missed the point entirely. And yes, if you understood village communities you would know that this sort of information gets around like wildfire once the postman reads "IVA" on a letter. Also I think that we on here understand perfectly the psychology of being in debt,...

Erm, I don't think people are worried about the colour of the envelope. IT IS THE FACT THAT THE WORDS IVA123456 SHOW THROUGH AND ANYONE CAN READ IT. It is NOT ACCEPTABLE for something like this to show through especially if you live in a place where the postie can see it and tell the entire communit...

That's disgusting and I thank my lucky stars it didn't happen to me. If I had not seen the email the red envelope would have gone in the junk mail bin/shredder. What are they playing at? A trifolded piece of paper in a normal envelope would have sufficed and would have been more obvious as a piece o...

Cannot sign ours anyway, they went on the fire that very evening and helped to keep us warm.