Thanks all for replying maybe one day I'll try....was absolutely gutted when I was told I had to change as id had my account with them since I was 16 and had banked there when I was a child as my mum used to work there so many years haha.

Hi guys, Was just watching an advert for nationwide and my question is....when the iva is finished and completion cert is received can u go back to the bank/building society you was with before ? Had a credit card with nationwide in my iva so was just wondering really I'm not going to move back as I...

Thanks Kallis and foggy A huge weight has been lifted but still feel abit hard done by haha I'm sure I'll feel happier in a few yrs and everything's off my credit file. My councils always stubborn about money I rung this time last year and was told it was separate to my current tax and any money pai...

We received our completion certificates this morning 'yay' you all say but I'm not feeling as I should be, after our f&f and my ppi i managed to pay nearly £5500 I paid slightly more than the agreed £5300 (give or take) out of all this my 5 creditors got less than £500 to 6 debts im feeling really d...

Hi, we was with clear debt when my ppi was sorted a month or so later I was transferred to aperture I spoke to both about my £500 and aperture deposited it a couple months later into my bank they said they had to sort it out with clear debt apparently as they had not received the ppi payment and was...

My IP knew about the credit card at the beginning but it had zero balance on when I entered into the Iva they also got ppi from that credit card too and it's still active, Ive used it twice since we paid our full and final thinking we would have our cc by now only a small amount each time and is pai...

Vanquis stopped me in my local shopping centre before Xmas started asking me questions etc etc i replied I'm in an iva thinking they woukd leave me alone but no they said I was the kind of person that would be accepted for this as i could build my credit rating up with it, I let them carry on and th...

Just spoke to my catalogue and they said the cash option is fine to use from my account even though the credit option has been closed, I would of thought all parts of my account would be closed but I still can't set up a new one and jus use the debit card option as it says there's already an account...

Myself and my partner were with clear-debt and moved over last year also, we found them very helpful with any questions we had and we offered our full and final in August last yr jus shy of being in an iva for a year as was starting to struggle to pay it and it went through with no hiccups they were...

We're allowed upto £500 but Im going to ask the catalogue and see what they say On this as its not exactly credit really.....we're awaiting the closure of our Ivas and money paid to all creditors there was abit of a hiccup as we paid our f&f in August even though we know we have no credit for anothe...

Thanks foggy I wasn't sure if I was still able to order and pay it there and then on the same account I know I can't order via the credit option, just I thought I'd look and found something in the sale that's cheaper than what I've found in the shops it's not expensive that was the only reason why i...

Hi, can I still use my catalogue account if i use the pay balance off in full ? I know I don't have the credit option anymore obviously or would I have to set another account up to do this ? Just thought I'd ask as its not credit it's basically cash.

Thanks

Hi Lisa,something I have noticed is the catalogue I put into the iva is still open with a balance on it which I thought was strange i thought they closed accounts which go into Ivas but my sis-in-laws is the same catalogue and hers is still open too, I've not tried to use it at all just thought it s...

Hiya sorry for jumping on but was just wondering whilst reading your thread....I have a credit card when I entered into my Iva it was 0£ My IP at the the time knew about it and I did I use it to buy my little boy a pair of trainers for £20 was I not allowed ? This credit card is still ongoing and th...

I'm going to get my partner to call when he has abit of time as we're so confused and are really struggling to get the £150 together to pay them....just when we think we can start getting straight something always happens we don't have much money left over after rent and council tax and food this is...