If it gets too bad you can always claim that it is not you, and say "you"have moved. Being helpful though, you give them a new number for "you". Possibly give the number of one of those one of those PPI companies! When they update the database their computers will ring that one instead.

Congratulations. It is a great feeling isn't it. I have a credit card for the cashback which I pay off every month (it's great to see them to pay me money!!). To ensure I never get tempted, I keep my bank statements for the 3 months before I went into the IVA and have an occasional look. The monthly...

I do not have, and have never had any connection with this company but over the years Mel has always given her all to help people. I find accusations of selling people down the river as offensive and inappropriate. Most businesses fail through an inability to make ends meet (and we all know how that...

I complained,moaned, groaned, bitched, resented and was often indignant whilst counting the days, waiting for my IVA to finish. When I got my certificate, was I euphoric? No. Just grateful to have been given the chance. With the certificate came a statement that reminded me of the hole I was in five...

I am currently in the twilight zone, all paid up, waiting for closure and certificate. My car has died and I'd like to get something a bit decent. What are the chances of me getting finance and am I allowed to yet? Any thoughts?

I would ask the question again and be specific about what the money was awarded to you for. There have been many examples on this forum of IP's who just assume they are entitled to everything. I would like to see the advice from the experts from this forum before approaching my IP.

It is in writing. It's a text which GT have confirmed they sent.

I have had this text from GT as well. Very pleased to get it I was too!
Does anybody know what happens next and how long it's going to be until CC day?

My IVA started in February 2009 and finished this year after 5 years. I am now in the process of making sure that everything drops off my credit record as it should after the 6 year date (early next year). The only default dates that look wrong are shown in the closed accounts section. These were ma...

Good question foggy. What are the benefits and for who?

That's not quite the point though is it. They shouldn't be given the opportunity to trawl in the first place.

My experience with these people is that nothing is accidental or chance

I have recently made my last payment and am now receiving numerous unsolicited offers of a low limit, high rate card. I have learned my lesson but clearly they didn't learn theirs. My point is I am assuming that the insolvency record is being trawled. How ethical is this. I have paid dearly from fal...

I make foggy right. The iva is stressful and can drag but debts that can go on forever without shrinking are worse

Me too. I did on occasion hint that I had taken out a big consolidation loan to pay off debts. That way people understood why I had less money than they thought I should have. Holiday time was the worst as people couldn't understand why I had stopped going away.