Thanks!! Im trying to clean up my credit files. Have only looked on noodle so far and it shows a default every month by Marlin Financial Services Ltd I believe they took over from Northern Rock which they are on my IVA. I notice MFS Ltd date of default is wrong 22nd April 2009 but my IVA approved on...

Finally received my Certificate on 17th February 2015.. IVA was approved on 7th March 2008..What a journey.. I need to clean up my credit files.. Im still on the insolvency services I assume for 3 month. How do I go about checking my credit report...do I pay £2 for each report from the 3 credit agen...

Hi All Finally seeing the end on 5th March 2013, Is there anything i should do before then i'm with DFD and all they are saying is to cancel standing order after last payment is made and wait up to 6-8 month for certicate i think? My PPI claim (being done through the iva)still going though and i hav...

I spoke to a lady at DFD finally and she said they i can either miss a couple payments and they will extend my iva for couple of months or do another i&E. She wasn't much helpfully at all really...

Hi me again Just got home and received a letter from DFD regarding my review.. like you said Caraf they are sking for P60 3mth bank statments and wage slips...also they will review my salary if any increase above 3% and proof of expediture above 10% increase. I rang and asked about petrol,rent i pay...

Thanks Kallis and Caraf. Do you still have to fll in a I&E form like before and what if you need proof of expenditure if over 10% like petrol i don't have 3mths worth of receipts or my parent rent has increase by £25 do i need a letter from them of something..( i surpose just wait and see from DFD w...

Hi all this is my 1st annual review but i don't know what to expect can anyone help? I had a minor payrise of £25 net a month increase since July 2008 and have been paying my normal monthly payment. I used to be with clearstart but was transfered to DFD. They haven't been in contact with me yet or b...

Hi All I have just started in March 08 my iva and i got a 3% pay rise in July 08 which works out only £47 net pay extra a month....I'm with clearstart and when i asked about payrise when my proposal was agreed with the creditors he said ( If i can remember correctly) anything above your 10% net pay ...