Sorry yes had just seen it after I posted here, thank you.

Has anyone else had issues with welcome?

Not sure if I should have posted here! Hello everyone, I finished my IVA a couple of years ago but have left it the full 6 yrs now to make sure everything is clear. When I got my certificate through I sent a copy to the creditors and all bar one took note, now after the full 6 yrs we got our reports...

Hello everyone, I finished my IVA a couple of years ago but have left it the full 6 yrs now to make sure everything is clear. When I got my certificate through I sent a copy to the creditors and all bar one took note, now after the full 6 yrs we got our reports and all is correct the odd one that wi...

Thanks Jan for answering, I dont want the IVA off as i know that is something i have to live with for a couple more years and so be it! we got ourselves into this so we have to ride it out. It was more the defaults on there that clearly should have been classed as a Default the same as the others no...

Hello again, so sorry to have to keep asking questions, but we have managed to get our credit files from Experian and in all honesty wasnt as bad as i thought, thought my partner has 3 defaults and i have 4. Now my quesiton is one of my defaults is something that was in the IVA but is only just in t...

trying to order my report from Experian but they are only offering a free trial but wont accept prepaid credit cards any advice?

Thank you everyone for replying to me - we are just getting our files now from Experian and Equafax who is the 3rd one again? I think we are selling the house and rent for a while it will be less stress and much cheaper as our mortage is very high due to high interest and not a high street lender so...

Hello everyone. Well our IVA has compeleted at the end of last year which was due to a F&F offered by mum mum, we have now got out certificates saying its complete what do i do now? Do i just send a copy to Experian and Equafax? what do i say to them? how long will it take for my rating to be cleare...

Oh thank you Michael i must have got confused i thought it ran along side my credit file for the full term. Well we started the IVA back in 2006 so a few more years yet, but to be honest i dont care as i wont be applying for credit again. Our only concern as it has always been was the mortgage but w...

thank you Melanie yes we are both over the moon that this has been completed. For us a very harsh lesson learnt and i think this was the only way to learn. We have set a DD up to pay my mum a set amount each month for me i have to follow this through to complete my journey (hate using that word) I a...

Afternoon all, well after a very long and anxious wait we finally found out that our FF has been accepted, we are now just drawing up the cheque to send to them and thats it! Our IVA is finished well finished paying them i know the IVA will still run on our names for the full 5½ yrs and then however...

Just a quick update for you all our court hearing is tomorrow to find out if the F&F that we offered is going to be accepted or declined. and I cannot help it but i feel sick to my stomach almost as bad as the first time around waiting to hear if the IVA was accepted. My other half is more hopeful t...

we are with Accuma and have been in contact with them over the last month or talking about F&F and bascially struggling to cope with our monthly I&E nothing has been said o us about this change over, not that im too fused though i have never had any bad dealings with Accuma i have found them slow wi...

dreams keep me going in this mad world!!

oh i love F1 just such a shame all the polictics is taking up air time on the show instead of the best stuff the build up, qualifying and the actual race. If i could choose it would Be Monocco, Bahrain and even the night race looks an experiance - one of the girls i work with got a whole experiance ...