Thank you Michael.

So will HSBC hold the iva on their internal records forever and never allow me to bank with them?

Hi All I completed my iva by way of full and final settlement a couple of years ago and it was removed from my record in February this year. I am an accountant acting as director often on new companies and a client just had an application to HSBC refused (just for a basic bank account with no borrow...

Ok,thank you. Suprisingly enough I have already been accepted for a small credit card from Vanquis (When will they ever learn!). So it's just a case of paying that off every month to build up some history and waiting for the defaults to drop off. It's not as if I want any other credit at the moment....

Ginger, thank you for your response. My F&F was in September 2011 but my official completion was only last week. The default dates are all within a week of the IVA start so they are ok. Just I seem to read conflicting info on whether they should be marked as satisfied now the IVA is over? I'm aware ...

Matrix, It is interesting to read your struggles - thank you for keeping us updated. I'm also recently out of an IVA and starting the long process of doing what I can to clean up my files so I have all of this fun to come! I have checked my credit reports and although my IVA is showing as settled, m...

That would be very helpful Melanie. I appreciate the backlog may be causing severe delays for them but it doesn't help that they don't keep their clients updated on matters as they must be receiving thousands of phone calls from people looking for updates. I appreciate that it isn't quite so simple ...

At least OP received a letter advising of the delays. I was aware of this issue previously but IP's were still closing cases. I didnt discover that it was delaying my completion until I chased my IP recently. Atomik - the IPA issued guidance in January that might shed some light on the issue: "Where...

I Received a call from my IP this morning further to yesterdays post. I am happy with their explanations and solutions.

There also appears to be an issue with emails at one end as we established emails had been sent on at least two occasions which I had not received.

Roll on October 14th!

I am around 3 years through a 6 year IVA and I was advised earlier this year that there was a possibility I was going to be made redundant. My girlfriend offered to help me financially with putting a F&F offer forward so I contacted my IP with a view to discussing this. I had to wait around 2 months...

SIS will cover you:

http://www.saleinsurance.co.uk/bankrupt-insurance.aspx

Most insurance brokers will be able to find someone who will cover you - expect to pay an increased premium though.

Wow I didnt realise you were knew when you were helping me out earlier. You have obviously been reading up!

Sorry if I have been misunderstood - I am not questioning if it is advisable to leave a balance on the card. But I read somewhere that having a credit card and paying it off in full every month doesnt improve your credit rating at all. That said, thinking about it logically you would still get the l...

Well its complicated....I was advised in January this year that I had been selected as a possible candidate for redundancy - it is fully accepted that my employer is just following protocol as I am one of two employees, and the other is the bosses son! We all get on very well so I think six months h...

Thanks I understand. I am more than happy to argue that with my IP if necessary. It is just a shame I have to wait SIX WEEKS for a variation appointment with GT to even discuss it!

Oh really?! My redundancy will be c£1,500 - I assumed I would be left with this to tide me over until I got a new job? Its not exactly a buzzing economy for employment and I do need to eat!