Hi Foggy, well it started off with "Debt Assist Direct" and was transferred to " Mitchell Charlesworth" in the last few Months - not sure why! We have the opportunity, but not excercised it, to, have a pop at some of the creditors with our own PPI claim, but that seemed a bit perverse all things con...

The IVA ended in Aug 2012, but were still waiting for out Cert of Comp - how long do they normally take, and at what point are we justified in making a complaint to the FSA or Insolvency service? Were not keen to seek any new credit, but we DO want to start repairing our rating..........

Hi all, just thought I would add some comments relevent to the start of this thread. My IVA ended in Aug 2012, so 8 months ago. Since then, I have managed to gain a Capital one CC with a small credit limit that I regularly use (and pay off!) and a new car for me and my wife on credit. I am lucky in ...

FINAL payment made today.....feels like a boulder has been lifted, although wont quite believe it until we get the official papers - took GREAT satisfaction in cancelling the 5 year old standing order today though - instantly £647 per month better off! b***** good holiday coming up next summer. Than...

Hi all, Many thanks for your kind words. Yes, the sense of relief is overwhelming - as of today, 1 payment left....and I can now say, our last paymwent is due at the end of THIS month! Its been hard, it isnt meant to be easy and we so nearly failed several times, but we learned new ways of surviving...

So, after a long long long dusty road, we are 2 payments short of the end. There were times when I thought we wouldnt make it, and there were times when knew we must, but all of sudden, were almost there and starting to consider life thereafter. To all of you just strating, half way through or in it...

4th review come and gone......a 50% increase in contributions due to additional income, but only 8 more payments. Our IVA company has turned out to be the best - really happy and very impressed.

OK, so were looking at our last 10 payments now - end of Aug 2012 and were all done. It's been a long hard slog, but now we can see the chequered flag....

Brilliant and congratulations, I am not far along behind and can see the chequered flag in the distance now.......

I know it's a bit of a cliche to say this as our IVA has been a hell of a roller coaster, but once you get in the groove, the months and years just fly by. We have almost entirely changed how we live and have just 13 more payments until were debt free. We too have gone without holidays for the last ...

Yea, it's hard eh? My 16 year old is feeling deprived, and its hard when all his mates are going out, getting new clothes etc all the things we cant afford for him. My 6 year old isnt feeling it as she doesnt know otherwise, but I know she isnt getting the things I had when I was that age. But all i...

Hi all, Well, I am pretty sure with the economy as it is, that some or all of you, will be hurting every bit as much as we are. Costs have rocketed and you get so much less for so much more now. I have amazed myself just how much further we have cut - well beyond the point that we even thought we co...

Lucky sod! Well done, congratulations - my turn is next year....

Mine is the same. All utility direct debit plans work the same way. You pay a fixed Monthly cost which is based on your estimated total annual consumption divided by 12. It already takes into account that you will use less in the Summer and more in the Winter, so its not a windfall, its actually bud...

Hi all, My TOP tip is join the National Shopping Monitor at: http://www.nationalshoppingmonitor.com/register/ Basically, you get a hand held bar-code reader which you plug into your phone line. Every time you go shopping, when you get home, you zap the bar codes of all your items as you put them awa...