Hi there, I've been in an IVA for nearly two years now. The thing is I ordered some workshoes and a workjacket from a website and it's been added it to an account. Will this now show on my credit report that I've applied for credit. They didnt ask any details off me regarding my income/outcome etc w...

Thanks Paul , Debbie and Mel,

Its so good to talk to people who are in the same position or who can offer good solid advice.

its the caveman thing I guess.making a comeback ,lol. although its not good on the old scalp all this being pulled around by the hair.

Simon doesnt really do it for me , more of a Gordon Ramsey gal! anybody else for Gordon?

Thanks you guys, I know its daft and I worry like hell about people turning up and banging on my mums door looking for lil old me and my money. Funny you should say that about the car repair . I have had to just borrow another £300 to have my car repaired from my poor old mother. So I guess the £75 ...

Hi there guys Im waiting for my creditors meeting to take place which is on the 22nd April. Wish it would hurry up. The thing is I am behind a couple of payments with Royal Bank and Barclaycard and they have sent a reminder or two!!!, now being 2 months behind should I make a payment in case the IVA...

Hi All

Wow some bizarre jobs in this list. Nice to know what people do though.

If you want tea & coffee up in the air Im your dolly. ha ha ha


.x.

Hi there

Just to let you know Ive rang up the company and asked 2 different people what this "unfettered access" means and they both said it only means if the IP needs to see statements I must provide them and they are not legallly allowed to access my bank account and they wont.

Cheers again

Nina

ha ha, Thats what Im worried about the proposal and T's & C's are so longwinded. I have just rang them up and the woman who answered says they cannot have access to my bank account they just meant documents. But theres some sheet I have to sign which is titled "authority to disclose information" whi...

COngrats Mr. & Mrs Beans on Toast. I hope to get that feeling you have soon.

well done

New girl :0)

Cheers cat, just says that he will do a review every 12 months and that I should allow him unfettered access to bank/building society accounts, what the chuff does UNFETTERED mean. Why cant they make these proposals easier to understand. im just building up the courage to ring the guy as I know that...

Just reading through my proposal and it says that the supervisor will have unfettered access to my bank account. Is this right?? or does it mean that I have to supply documents if asked. ALso my car is on its lasts legs, what if say my mum bought me a car on finance or cash under her name and i gave...

Hi Debbie,

thanks for the welcome, feels so good to be amongst fellow skint people.

How you finding your IVA?

Nina.x

Thanks Chris , I just look into things as I feel Im gonna get swiped all the time! lol. The guys at moneyexpert have been dead nice but I havent been in touch with them since Ive received the paperwork. Guess they'll be contacting me soon as its monday morning and they need to make their money!!! ye...

Hi there Ian,

Many thanks for your very quick reply. At least I feel better that he is human and does exist!! ha ha.

I've got to make my list of questions today and I'll give him a ring . Hopefully he will be able to pick up.

Cheers

Nina

Im from Sheffield and have just looked at Probitas website and they said they have IP's based in Sheffield , maybe expert financial solutions have contracted this out to him. Im going to ring moneyexpert up later as I find it a bit strange. Thank you so much for spending your time looking into this....