Thank you!

I did just get rejected an 80% chance pre approved credit card though... (credit building Vanquis)

Thank you so much everyone, the 3 month wait is finally over and as of today I was officially off the Insolvency Register! I can't explain how amazing I feel right now. Money is tighter than ever at the moment with soaring costs of living but I'm on the right track and on the very good path of recov...

Hi foggy I can’t see any of that information? I guess I will try and call them up today to enquire.

Evening everyone,
If I received my completion certificate on the 25th Feb, isn’t it 3 months from then I should be off the insolvency register?

Upon checking I am still showing on there.

Thank you all, I’ve decided not to do this until my name disappears from the Insolvency register so I’ve got a couple more months to go. Forever checking my credit score which keeps going up and down and ultimately atm sits at -55 points so I’m around 400 odd right now. It’s frustrating but I know i...

Must I wait the 3 months also before applying for a credit building credit card? Or is okay to do this now

Ohhh so it’s 3 months from today. I thought it was from when it was paid off I got it wrong.

I just got my completion certificate!
How long before I drop off the insolvency register?

Thank you, managed to buy one it is being delivered tomorrow 🥳 my sister kindly lent us half the money which we will pay back end of month pay day and I had money for the rest. Not long now hopefully till the IVA drops off, should be around the 27 to or so. My Experian score has already increased 44...

I thought as much so I’ve decided to leave that idea

Evening all, still waiting for my completion certificate and to be removed from the register etc. Me and my partner just moved into a flat together, all fine as its the same landlord. We wanted to get a sofa on finance and unfortunately failed because he has a new bank account and new job so I'm gue...

Hi all, I didn’t get this yet, I received a “Annual progress report” but this is it so far. I have emailed StepChange to ask if it has been sent / dealt with yet. I did use the report as evidence for my landlord as it shows in writing it has been completed and by what means. I was open and honest wi...

Thanks all, I received my completion report on Valentine’s Day but I’m still awaiting my completion certificate, I know this takes usually up to 3 months when it’s paid off fully I believe. I guess timing hasn’t been great because I’m trying to move flats and had to explain to my landlord that I was...

Sorry just a question:
Can banks still use right to offset if my IVA is completed?
(They haven’t I’m just my usual worried self)

Just called StepChange about HMRC. It’s been written off, they said that they didn’t vote in time so it’s bound by the IVA.