Hi Kazzy, Three years post IVA and I am very careful about my finances. I now have credit cards and yes, I do have a small loan. The cards are empty and are used primarily for petrol or use on the internet. Prior to use I make sure that I know I have the money to pay at the end of the month. It has ...

With Natwest I had an overdraft, loan and credit card. With RBS I had a credit card. On entering my IVA Natwest requested that I stop issuing cheques. They stopped my Switch card and issued me with a solo card. After 3 months they said, on review, that I could use a cheque book again. However there ...

Hi Apple2 There is light at the end of the tunnel. I started an IVA in 2000 and finished it in successfully in 2005. My IVA was with Melanie. During that time, due to a robbery, I needed a variance. I found Melanie to be both sympathetic and helpful and she guided me through the problem. Though you ...