So sorry for you. Have you thought about doing a debt management plan in the meantime? To be honestly we are in token payment last 3 month and we will be carrying till our situation change as we have no work permit because of our immigration status. Only we reliable on national asylum support. We o...

Spoke with Creditfix creditors meeting adviser today morning and explained our immigration status and request to withdraw IVA application as we are in uncertain situation and took wrong decision to go ahead with IVA. Advisor understood and accepted our request for withdrawal. We are so depressed las...

I do not know why, but it seems to be normal for Creditfix to adjourn meetings and have to chase votes. Of the cases that have been mentioned on here they seem to get most of them accepted eventually. Spoke with Creditfix today advised still no outcome yet and hopefully will receive end of this week.

Thanks for your reply. To be honestly if it’s not accept than we are very happy because once our immigration status change and get work permit than it’s good for us. What’s your best opinion will be outcome from this adjourned? Our IP don’t mention our immigration problem in our proposal but we have...

Creditfix is dealing my wife IVA. We are not happy for their customer service .

The payment is very low for an IVA and I expect the IP is trying to gather "yes" votes, as the creditors will get very little back. I don't know what your immigration status is or your plans, if any, to change this in the future, but I would suggest a chat with your local Citizen's Advice Centre ab...

Hi, Having read your previous posts, I think BR could be an option for your wife or possibly a DRO. £85 a month is very low for an IVA which is possibly why it has been adjourned. Hi kallis3 thank for your reply. To be honestly if it’s not accept than we are very happy because once our immigration ...

My wife got nearly £19,000 unsecured debt with 2x Barclaycard, MBNA , Virgin, Halifax and Lloyds. We both unemployed due for our immigration status. We got 2 child age 5 and 3. We have once £650 per month from NASS support. We don’t pay rent , council tax ,gas and electric bill. My wife made first I...

I applied for vanquis credit builder card yesterday and they just confirmed me they accepted it with credit limit £250.

Thank you for your reply. Do I need to wait 3 month for remove my name from insolvency register? Do I need to start credit file repairing after remove my name from insolvency registry 3 month later or can I start from now?

Thank you for response.

My IVA started on 26/03/2013 and completed on 04/07/2016 by F&F offer.Also I have received my completion certificate with in a week of completion. Do i know how long will normally take creditors for update their own record? as i noticed very few of my creditors updated their record (2 creditors upda...

Thank you for reply. But if i did not send them my certificate than how they know exactly when my IVA started? Because i want to let them know to correct default dated mark if the issue default date after IVA arranged. font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Orig...

Thank you. Please can you give me advise regarding creditors default correction issue , how can let them to know for correction my default date? Can i raise the issue by credit reference agency by dispute notice of correction issue or i need to send creditors my IVA completed certificate? How can i ...

Thank you Lisa. sorry its my typing mistake originally my IVA was approved on 26/02/13 so will it remain 2019? font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Lisa Thomas You might find this quick video I made about cleaning up your credit record use...