Hi all , hope everyone is well , Just a quick msg . We sent off letters downloaded from Martin Lewis site re Ppi claims . We finished iva last year and to be honest didn't think we could claim . But for the cost of a stamp we sent forms about a month ago . I had received a letter saying no , we don'...

clear debt ! to be honest im not too surprised , at end of day we are out of our iva and had a huge amount written off so i certainly cant grumble .

also at start of iva these ppi claims were not around !

hi everyone , im sure this question has been posted buy my lappy wont let me search so i apologise! finished the long 6 yrs of iva at xmas , now considering whther its worth trying to claim ppi , im aware i cant be entiteled to anything once iva started but am i entitled to ppi from before iva ??? i...

we didnt have to do final review ! we ended up with clear debt . at end of yr 5, couldnt remortgage so variation meeting set up, it was concluded we would make 12 additional payments of £539. when that was done , that was it. they said as creditors had agreed for that set monthly amount for set peri...

in june 2005 with a 2 month old baby and 2 toddlers and a teenager, we suddenly realised we were seriously broke . £120,000 pounds worth of money thats not ours and we owe it over about 6 loans and 10 credit cards! looked around , anything to show for it ..... not a thing, how disgraceful is that ??...

allegedly iva falls off CRAs, but apparantly it does not . you just send them copy of completion cert and quick note and they will update it ! ours was sorted in 10 days of sending them letter.

This is a wonderful site , i only wish we had found before our iva not halfway through. i have recieved invaluable advice on here , and to find so many other people who are all going thru the same thing and know how we all feel is amazing . even thou we are finished with iva , proud to say 72 paymen...

yep , im now as clean as a whistle ! i also intend to stay that way ! got new job today !!! macmillan nurse, been ward sister for a while but now moving on , its going to be a good debt free year .

havent striggled !!! should have been struggled ! lol

thanks Jan, have striggled with it and answered it with a yes , thinking along the lines , 2 months ago i was insolvent , but the more i have thought about it, the more i have pondered the answer. thx .

well done , great isnt it we had ours 2 weeks before a very merry xmas. we paid a total of 6 yrs , so we came of register in december and i sent copy of cert and covering letter to all credit ref agencies and they have removed them . They were there for just over 6 yrs ! great feeling , enjoy it .

hi all, im in process of clearing up credit file and all going very well . 3 CRAs have removed iva off report so its all now looking good ..... long may it continue. however , looking at uprading bank account , not for overdraft or credit cards linked to bank , just for chq book, debit card etc . no...

hi, we recieved our cert on 11 dec. i wrote to all 3 CRA and as of today my iva has disappeared from there too !!!! i sent them copy of cert and covering letter. everything else now seems to be done , so heres to a debt free future. well done on completing.
x

hi all , im careful too budgeting weekly . even now iva finished , i think about buying something then wonder how i can justify it at my annual review !!! havent noticed not being in iva yet as dec was first month out of it and we had good xmas. this month i have a big car bill, its gone in today to...