Hello, Thanks for both your replies and thanks to Chardonnay for your support. Kallis > I think you have totally misread the credit card situation. I do want a credit card, but i did make a point of stating in brackets that it is to build my credit file back up. I have a well paid job now and am fin...

Hello, I am really really fed up and feel having had an IVA is messing my life up. I started my IVA Jan 2006, completed in Feb 2008. I cant get any credit cards (to build my score back up), the only mortgages i can get are between 8-9% interest rate with a 20% deposit. But what really makes it worse...