I have looked my friends credit files under Profile , the names and addresses on it are as it is given to the co-op, she has a maiden name linked to a married name. Ok she didn't elect to vote with her previous address...hardly a problem? No cifax entry for fraud Incontrovertible evidence from Exper...

My friend/ex partner uses one for each of the expenses: Contingency Rent Ultility Transport ....and so on....then she can see what is left every month.If it need to be move money between them when there are shortfalls etc.She is a P/T night school trainee accountant at the moment whist still serving...

Hi, My friend is on the electorate register...infact they said to her no id needs to be provided? So they found her on the electorate register. I know people have got a bank account with the Co-op even discharged Bankrupt.The credit reference staff said that all checks is based on the name submitted...

Some one I know who is now on an IVA applied for the cashminder account. She got a letter and said it was refused?? Co-op said they only do an ID check, no creditcheck.It baffles her and me. She applied to Experian and got the creditfile looked into, the names, address incl. the previous one[within ...

The idea is you pay as much to your creditors as possible! So if you have a property then some of that value will be liquidated. As you are 'half way there' and the housing market has been talked up, you may will be able to remortgage when the time comes,Banks have been told to LEND LEND and LEND an...

How would an IP earn their fees if they don't do reviews even if you pay 100%...inc fees? There is about maybe 12k of fees, even it means just shuffling papers. And even if one is discharged from an IVA early as Michael says, it makes little difference to your credit rating....the iva does not drop ...

In that case, K you have no predicament....period. Subject closed.

If I recieved 50K and used it for a debt payment, and my father and siblings never knew of the debt,that would be the end of the brotherhood should they find out....these things just canot be hidden.
Such is family.

If you win the lotto, thats someone else's money used to pay off the debt...why not.I also agree. In inheritance if the ones[family] giving it knew that it was to be used to pay off lots of debt, its likely they might say its better someone else inherits it for more productive use.Especialy if there...

Creditcard companies raise interest rate to make more money on you.That's how insolvency happens, the debt is harder to service and debt grows.... Banks are supported by the government[like it all not, that speech tonite by Darling], they need each other....and no one will tell Egg to stop raising i...

The UK has got it easy on debt.....the government is in debt....there is a ring to it all.

Count ourselves fortunate! As for the Irish example, blimey!

Germany have the toughest insolvency laws in tne world I reckon...a baliff is used to discharge court warrant to collect all surplus money above 980 euros in monthy earnings, for 8 YEARS or til the debt is repaid.So thats 8 years for a discharge to happen???? That sounds like a 8 year IVA....and no ...

Well,I tell it as it is Skippy,no spin, no lie, the truth. If you think the world will get richer in time..I agree...then you need to a place call China not UK or America. You are in an IVA?, you know debts of all kinds have to be repaid and untill then no big spending...well how is the government d...

At least you are retiring now at 65,the rest of the baby boomers will be busting their chops till 70s....with higher taxes,lower pensions, depleted environment of plenty(will ther be any fish left)....there are HARDER TIMES AHEAD and I am no Nostradamus to tell you that. Private pensions are been de...