Hi I recently got a vanquis credit card to build up My credit history when I got the card the rate was 34.9 APR for purchases and 39.9 % for cash advances. After a month I lost the card and on top of the page that came with the replacement card I noticed the rates had been increased. I thought this ...

Hi All Been a while since i posted, but i'm doing great post IVA. A few years left still for my IVA to drop off my credit file although it has been completed. I applied for a vanquis credit Card and have been accepted. The limit is only £250 High APR but i'm going to use it to build up my credit rat...

Hi I had a thinkbanking account whilst I was in the iva you will have to Call them to let them know you want to close the account, they will try and persuade you to keep the account. I closed the account because my iva had ended and It didn't make sense to keep paying the monthly fee to manage £100 ...

Hi

I made my F&F payment in Sept 2010 and received my certificate end of October. The delay in me receiving the certificate was because one creditor had not submitted a claim but was ok because my IVA company let me know but it should normally take about 6 weeks.

Hi everyone Since my IVA was completed i reviewed my credit file and wrote to all my creditors to mark defaults as settled. I have had success just waiting for the last two creditors to update my credit files. Amex deleted the entire records from my credit file and they are no longer on any report a...

MelanieGiles wrote:

What on earth do they mean get money back from your IVA. Which company contacted you, and I suppose this is now going to be the latest scam on the block!

Well done to you for completing your IVA.

Yes Melanie im sure it must be a scam im not interested in any case and wont be calling back!!

Hi everyone Hope you are all well, i completed my iva early recently by f&f, the completion paperworks come through and my name is off the insolvency register. I got a voicemail message from someone on my mobile claiming they are a sister company of mdc and i could maybe get some money back ive paid...

Hi I hope everyone is well, just wanted to update everyone on how things were going after my IVA was completed by full and final settlement. I have received my paperwork and certificate of completion which is dated 29/10/10. Does this mean that this is the date my IVA was officially concluded? Do i ...

Hi Everyone Hope you are all well Since my IVA was completed by F&F i have been on my first holiday in 2 years had a great time, and have treated myself to some new clothes. My spending has been sensible, i could go crazy if i want to with the extra money but i havent and i am now on the road to sav...

Hi My F & F for my iva has been paid but there is a delay in my completion paperwork as one creditor hasnt submitted a claim for an overdraft. When i first did my iva proposal i was overdrawn by £250 but this was cleared before my iva started so my iva company are waiting for a claim which doesnt ex...

Hi I got confirmation in writing that my full and final offer was accepted by my creditors on August 16th. Heres how the voting went, My iva companys variation fee was reduced from the originally requested £600 to £300. LLoyds TSB 17 K loan voted yes Rest Credit cards 12K voted yes Was suprised that...

she has already said yes!!

Hi Everyone Monday August 16th 2010 is the day i was waiting for in anticipation that i thought would never arrive but it finally came. My full and final settlement meeting was today, and it was accepted. The paperwork to confirm the meeting outcome is in the post to me. I would like to thank my par...

Hi everyone

Hope you are well im just anxiously waiting
for my IVA full and final settlement meeting
scheduled for August 16th. Time just cant
move fast enough! Will let you know
how it goes watch this space.

Hi Hope everyone is well, its been a while since i last posted. To date ive made 20 payments into my IVA so far, and all my payments are up to date. Its been quite tough but i have learnt how to manage my money better. Today i spoke to my IVA company and i am putting forward a full and final offer t...