Hi Zalorick When I put my Full and Final offer in I offered a couple of hundred pounds above what was expected if the IVA ran it’s full course. One creditor made a bit of noise but was eventually accepted. Also by the time it was accepted I had made a couple of months more payments so the full and f...

Exactly . Thank you Foggy

Morning. Just an update on this. Loan approved today.

Thanks Foggy. I would only try one company . If rejected I would look for a cheaper car . Cheers

Hi all , my car has just give up the ghost after 8 years. I have just been accepted for a credit card and haven’t used it yet . My question is , if I apply for a loan for a car would this look bad . I have been on clearscore and some loans say 100% chance of approval . Just wondered if the time betw...

Aaah just found it. Technology was never my strong point

I can never find the links. Don’t know if just using phone makes a difference

Hi Foggy

Can you please send me a link to your blog please. Never seen that before and would be an interesting read. Thanks

Hi Lee

My six years was up in June this year but I didn’t get defaults updated stupidly . They came off on last credit score update on the 11th of this month and score was excellent then

Will do . Thank you

Will definitely be more questions Kallis . The advice everyone has given on this forum has been invaluable , especially yourself and Foggy. So glad I found this forum . Remortgage will be next challenge. Think I will wait till middle of next year to attempt that one though

Definitely will use it wisely . One thing this whole journey has taught me is to manage money responsibly. Not getting into that situation again . Thanks again

Hi , just thought I’d give you an update on this .Applied to Virgin money and have been accepted with a limit of just under £3000. Thanks for all your advice Foggy and Kallis . Maybe things are looking up now

That’s exactly what I was thinking Kallis. Don’t need one at the minute but just trying to get back in the game. Goes without saying I won’t be abusing it and will pay off in full every month.

So I have looked on clearscore and chances of being approved are between 80 and 100% . Just wondering if I go for one of the 100% I would stand a better chance . Any advice would be appreciated. Cheers