Hello all I also have been off site my IVA finished afyter 5 hard years in May 2010 I have certificate so checked register and guess hwta I am still on there I'm sorry but I think its shocking that they can easily put you on. They have no idea how important it is to complete and it was really import...

I'm still on register too!!! finished mine May 1st

Yes congratulations Helen xxx good luck with your debt free future xxx

Ps same I pay quite a low monthly amount £195 against a total debt of Approx £72000 and most of monies paid in have gone to IP not bothered as long as I did as they asked! it was a life line and a life saver !!!

Heh I'm with FJ justed finished IVA after 60 months (3rd May) they were really helpful did not have to release any further monies due to no equity and something to do with IVA protocol did not want a further 12 months either I was happy to do this but has been concluded x

ahh you have now all made me cry!!!! off to bed to decided if it Clogg, Cambelt or Brown Cow?? must admit quite fancy I mean think he is very good Mr Clogg or did I mean crock !!!

um no major purchases perhaps a bit of a saving spree and the a bit of facial rejuvenation ??? have recently lost three stone so need some new knickers toooooo !!!and new boobs!!! but hey will have to wait xxxxx

Skippy I about forgot you...how could I xxx big shout out for SKIPPY....you have always been here for me xxx hope I dont sound if i'm gloating....but wanted to let all my special forum friends know..think i might get a marriage proposal ??? now that would make me excited !!! [:I]

Just checked all my documents in the big purple file back of the wardrobe and discovered my IVA completes on 3rd May 2010!!! Thought it was due to complete 25th May. Just checked credit file still looks like a car crash.....but this should start to clear up end of this year, some defaults were issue...

Am I right in saying you only need your IP's approval for HP if you use Duncton for say Contact Hire you don't!! If I'm wrong accept my apology now !!!! I have a friend with very poor credit and he uses Bell Hire this is not finance but long term car hire (Gemma is contact) she is very helpful. You ...

Certainly am !! I pay weekly so I have three more payments to make of £45.00 then I'm free as you all probably remember didn't have to do equity release as not much to release and and complied with all request so there letting me free at 60 months with no extension xxxx no great plans to do much exc...

I have a contract with t-mobile x have a phone for me and for my son and a t-mobile web and walk stick! They have imposed a credit limit of £130 which suits me and it shows on my CF so hopefully I am making a little imprint into regaining a better credit file. 3 more weeks to go and I am free from I...

lovely you could buy an OBD11 which is a fault reader (cost £20) off ebay and it will tell you what wrong with car its probably ECG unit which is to do with emissions, you can turn light off with OBD and then if problem is not life threatening save up to get repair done x

Every time I ring Natwest or go into the branch they say about a review of my account I always say no thanks!!! and they say fine. It is a sales tool to getting you to buy life insurance or try you for a credit card!!! but you ask for a review when your ready !!

Louise ask Duncton (Stephen) to refinance your car...taking the finance from Renault?? so you ask Renault for a closing balance and ask Duncton to finance the amount you need you will have to pay Duncton a deposit (possibly 4 months payments) but that is what you need from Duncton I am in the proces...