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by gonesailing
Thu Apr 10, 2008 1:52 pm
Forum: postings for april
Topic: How can I make outstanding balance zero ?
Replies: 6
Views: 1425

I have tried both, the credit agencies stated "we are only posting what the banks tell us to post" the credit card company said nowt. My IP gave me a set of template letters, which I used, worked on one creditor but not another. I wrote (via their web page) to the Information commissioners office, t...
by gonesailing
Wed Apr 09, 2008 9:26 pm
Forum: postings for april
Topic: Where is best for you?
Replies: 33
Views: 6679

any meetings planned in Bristol/Bath area in 2008?
by gonesailing
Wed Apr 09, 2008 9:17 pm
Forum: postings for may
Topic: life after IVA approval
Replies: 23
Views: 5713

wonderful feeling! I completed an IVA a few years back, and am waiting for the 6 year penalty to run its course. I found this site recently, and just wanted to say to everyone going through the IVA process, hang in there, it really does get better. I am not one for advice, all I will say is be strai...
by gonesailing
Tue Jan 22, 2008 9:57 pm
Forum: postings for january
Topic: Are the banks correct to leave the current balance
Replies: 4
Views: 1358

Andy
2003, which is when the IVA process was finalised. Does this mean that 2003 + 6 years will see the debt removed from the credit rating? I am concerned that as the default balance is still showing a value, that this will keeep the debt "alive" on the credit report?

Simon

Simon
by gonesailing
Mon Jan 14, 2008 8:55 am
Forum: postings for january
Topic: Are the banks correct to leave the current balance
Replies: 4
Views: 1358

Hi Andy; I have written to both, sent copies of completion certificate and followed up with a "did you get my letter of ..." - no response from either. I am not sure about the 6 year rule, I realise the IVA will drop off the radar following the 6th anniversary of the completion, I believe that all e...
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