My fiance has started Temping and is looking to full time employment. I think the best option is for her to get back in the groove of things as if we are going for the option of a new mortgage she needs to be working as well to contribute. Just so glad I spoke to Ryan and his team and that we can mo...

Thanks Ryan for listening when I contacted you today and putting our minds at ease regards remortgage. I will have a chat with my fiance this weekend as it is a joint decision and will decide about the best course of action. Just a relief to know that we can move forward and you and your team can he...

Hi Ryan, I entered the IVA in 2008 and completed in 2013 so 3 years ago. My credit file is all up to date and is clean and my IVA dropped off 3 years ago and i am well on track. I am just a worried as my partner wants to remortgage as i earn a decent salary and wants me on the mortgage as we plan to...

Look at it this way, Your debts are going down and if you stick to the plan you will be in the clear. I should know as i have been in the exact same position as yourself. You should be very proud of yourself and just going that little bit without for a few years will be worth it come the end. Read m...

Hi, Just a note for all those people who are in an IVA that there is light at the end of a long tunnel. 2007- £25000 in debt with credit cards maxed out,loans and a right old mess and declined for everything with no way out and a pile of stress and depression and no idea how to get out of this mess....

Hi, I have jut come out of an IVA Credit History repaired with no defaults. I have applied for a Car Loan with Tesco Bank online and after taking the plunge it has came up APRROVED IN PRINCIPLE!!! they want 1 months of Bank Statements and proof of address and ID signed by the Post Office as a self c...

It may be because my credit file is so clean with no credit cards or loans they want proof that i am who i am.
Basically a Credit Report as if i was eighteen again

Hi, Post IVA and i have took the plunge to ask for a small loan from Tesco Bank so we can get a new car. I want no other credit especially credit cards but i have applied and gone all through their criteria and it has been agreed in principle and are sending me paperwork out. I have never heard of t...

Thanks Melanie!!! The thing is now post IVA is to borrow sensibly and not go down the credit card route which was got me into a right mess in the first place. Also the IVA has helped me budget more reasonably and also taught me the value of having money rather than spending it wildly!! I am putting ...

Thanks for the response Andy, It is all a bit surreal, i am now completely Debt Free since completing my IVA with Melanie Giles Team who were excellent and after a long slog i now a have a default free and positive Credit Report with all traces of the IVA removed as well The only thing now that is p...

Hi, I completed my IVA last year and my credit file is completely clear with no defaults now whatsoever. I have managed to save over £2000 and our car is on it,s last legs. The question now is would it be possible now for me to get a small car loan as I do not want to squander any savings as it has ...

This is whati call in the IVA The Wilderness Years!!! Halfway is the toughest time in an IVA as you feel like you have done your time and your life has been put on HOLD!!! I know i have been there!!!!it was totally frustrating for me as well. I completed my IVA last year and i felt like you in that ...

Believe Me you are with the Best Team Out There!!!!! I was in an IVA with Melanies Team and they are Brilliant!!! They know there will be some ups and downs and are really great. It's a long old road but you will get there. IVA Started in 2008 - £25000 IN DEBT IVA Completed in 2013 and now DEBT FREE...

I can only sympathise Plasticdaft!!! I know in reality I am just over the 6 year mark abut silly things like on two of them I am on the Electoral Roll and one of them I am not is just ridiculous!! Also one has a default which should have dropped off ages ago but the other two agencies have me as cle...

Glad you are going to raise this Melanie. I am not after going down the credit route and borrowing like mad!!! All i am trying to do is like many others on the forum who have completed there IVA's and gone past the 6 year mark is try to remove any defaults or information which should drop off my fil...