thanks i do get emails from vanquis now saying apply now so i guess i might have to do just to get started again

but i was only 1 year in to my agreement before i made a F & F offer which was accepted so my IVA will stay on record for another 4 years from april so would i be able to apply ?

Hi I have received my certificate of completion last week and am wonder what to do next to help me re build my credit rating? I have looked at my credit file and there are still defaults on there from HSBC – to remove them do I write to them or will they update it automatically? Should I also send a...

Hi

i'm a cima qual accountant and have not said anything to my professional body if your worried try an speculative phone call but i have had no comeback

J

Thanks for that michael

If the offer was made would you consider it a fair and good offer ?

umm not really 2 months, i don't think it happen but if i could make this offer and it accepted it would reduce the pressure

I know it is very early but I work for the council and they are making us apply for our jobs at the moment in a restructure so I'm worried if the worst happens ......

Hi I am thinking of asking my parents to help me make a F & F offer I have made 9 payments into my iva @ £388. The IVa totalled £23,000 of which £5000 is fees ( my settlement was 43p) I would consider asking them for £12k, but would be relunctant to ask for any more as they would have to borrow it r...

Thanks for you comments guy my post was more a rant to get it off my chest as I do think it the wages issue is totally unfair

Hi Andy

I totally agree with those comments, are there any moves to change the legislation or rules governing this area.

As in my case I have no real monetary incentive to change employers

Thanks for the replies and the reassurance about the practise My main issue is the new job I should be earning around £2-4k more than I am for my qualification level currently according to all the salary surveys etc and possibly more if my exam results are good in Jan. However if I have to give up a...

Hi Guys I have recently started the process of getting an IVA. My case is with my I.P. Practicer Wilson Phillips based in Blackburn. My proposal payment amount and budget is okay and manageable as it stands. However I have 2 major worries about the IVA, 1. I am currently looking for a new job and ho...

Hi

thanks for helping everyone Julia has rung me back and gone through a budget plan and the likely hood of success and it seems like I will try to get the IVA [:o)] and try to get my life back on track

thanks andy

They worked out my payment to be 40/£ offer are these likely to succed ?

thanks hell's i was just reading your blog and it has given me a lot of encouragement. I favour the IVa over a DMP as it draws a line and stops me getting any more loans

Hi I am considering trying to get an IVA - I owe 32k approx with HSBC owed 22k Egg 3.5k and the rest to MBNA I'm 28 and was wondering what the reality of living under an IVA is like. I bearly can cover my payments and bills at the mo so I know i have to do something but I am worried what the impact ...