I recently got a mainstream mortgage without difficulty. My credit rating was excellent after the six years was up and I had checked with all three cra's to make sure that there were no erroneous defaults still registered. Then I did a Google search on all the main banks mortgaging lending terms and...

My name came off the register about two weeks after I received my certificate of completion. No idea why this was so quick?

Eight years after my IVA I was trying to get some info from Barclays and was told that there was ' an insolvency flag' on my account. I cant imagine any circumstance where I would do business with them again!

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by recovering Thanks LNE , I am finding it hard to understand how a big company can get the calculation wrong? Self Assessment is a minefield as it includes so many things that HMCE would not know from th...

In some cases they will make an adjustment to your tax code to take it over the next year, although last year when I completed my return I was asked to pay mt £109 shortfall by the end of the following January. That said, contrary to popular opinion, for me HMRC have always been easy to work with, i...

I feel your pain, I was in the same situation but had the benefit of an annual bonus. In my case my IP had assumed that my PCP outgoing was for the full term of the IVA so I negotiated not to pay the full 50/50 amount for my annual bonus one year in order to pay the balloon, and thereafter I paid th...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by markyparky Hi, I've had to phone up Grant Thornton regarding Equity Release and they have asked me to upload my property details on a web site called "Property Price Advice". Valuation seems quite high...

I got a Vanquis card aover a year ago, but to some extent it hindered rather than helped my credit score, as I already had mortgage accounts and mobile phone boosting my score. As vanquis start you out whith a modest £500 limit, your score can take a knock depending on when you pay, and when Experia...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by T.88 I have aletter from my supervisor is this my completion certificate it says notice of completion of voluntary arrangement pursuant to rule 5.34 of the insolvency rules 1986 my name iva nottingham ...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Foggy But beware -- some of the larger firms are asking clients to sign up to the new protocol in a smoke and mirrors exercise ! Foggy makes a good point as so many of the smaller IVA firms have been b...

I had the same problem, but only noticed during the sale of my house. This was further exacerbated as the named ip is the only one that can lift the restriction and he is no longer an ip! The iva company did issue an rx4 to lift the restriction to which the named ip had 15 days to dispute. Once the ...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by longslog101 So here is one for those familiar with credit reports and their appearance after IVA settlement. I just had a call from Barclaycard in response to my letter requesting the entry be updated ...

I had a similar letter last week which made me panic. On investigation the letter was generated automatically when Barclays realised that they had been interest charged in error, which was credited against the original debt. The central file was already marked as settled, so nothing to worry about!

I had a similar letter last week which made me panic. On investigation the letter was generated automatically when Barclays realised that they had been interest charged in error, which was credited against the original debt. The central file was already marked as settled, so nothing to worry about!

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Foggy They could be in the same group as one of your creditors, or could simply have discovered you on a trawl of the Insolvency Register ( some banks do that). Alternatively, they could be being pissy...