i have just paid my final payment after 5 long years, as i breath a sigh of relief of not having to pay 602 a month any more. it is time for me to get a new car as i can afford to with a small loan of 200 a month and for the first time in years i can save, which is something i wish i could do as the...

Hi All just a quick question i have been in an IVA for 38 months now and have just succsesfully open a barclays connect account with no overdraft facility although i do have a debit acrd and cheque book with this account. My question is as i have moved numerous times in the last three years since be...

hi all
can any one tell me how i go about updating my address infomation with the credit refernce agencies and what proof i need to do this
thanks in advance

i would imaginge once you fill out your i and e form all will be clear on paper and your problem should be resolved after all the point of an iva is to pay back what you can afford anything over this and your iva could fail which is not benificial to any one involved

i am having great problem opening a cash minder account which i know is open to people in our position i believe this is due to last being on the electoral register in 2003 then moving overseas for a short period coming back to the uk until 2006 then moving overseas again until nov last year and now...

hi i am by no means an expert however this sounds wrong to me as yes you have had a rise but with an increase in expenditure you could as you are suggesting be out of pocket so this cant be right talking directly with your ip should resolve this but i am sure on of the experts on here will help you

have no expertise when it comes to ivas but as with all businness practice companys should keep a record of your phone calls i would suggest ringing them again explaining your worries and make sure you inform the person on the telephone you are logging the phone calls and get his her name itemised b...

hi all i have been in my iva for a while now and have probably learnt more from this forum about debt etc than anywere else so thanks for that my iva is in my name only and reading this forum am i right in assuming that my ip only uses the figures on my ie sheet regarding my wifes earning to show sh...

in theory i think this is a good idea as it would relieve some of the inital 'shock of capture' of an iva with refrenece to debit cards as they are frankaly something that now days are needed for every day life however instead of putting 50 on the card why not use the fifty pound to pay for top up a...

im sure one of the experts on the forum will correct me if im wrong but if you go bankrupt you are after one year required to pay contributions for a further3 years if you are two years in to your iva you may gain a small reduction in costs but you start again with regards to your credit file which ...

with regards to items not being delivered it all depends how you paid if you used paypal then you just open a dispute with paypal and they sort it out . if however you paid by postal order it all depends on the sellers integrity however most sellers on ebay dont want negative feed back so will 9 tim...

rachell how much do calls cost

just reading about getting contracts i use 3 on pay as you go and as far as i am aware contracts by all the major networks cant beat 3 pay as you go you buy a sim for 20 top up in a three store or any normal place you top up phones then change your top up to a stretch they come in various limits but...

i have found my iva a relief at first and now just want it to end so i can have more money to spend ! the biggest relief for me is being able to open letters and not be worried it was A DEMAND FOR MONEY OR WORSE A CREDIT CARD STATMENT !! i have learnt one thing from this and that is never again will...

skippy as im sure you are aware and am probably telling you something you know but yorkshire bank /clyesdale bank offer a basic bank account with online banking and maestro card with no credit check