Hi and welcome, agree with the others, have a read of your proposal, it may state at month x, payments will increase. If you swapped the car for another, would they credit check again? I'm not sure what Ford Scheme is?

What wonderful news, so glad you've got this sorted, sometimes perseverance pays off.

You will get there and I agree every day is a step nearer to completing.

Hi and welcome.

I doubt very much you will be able to remortgage, therefore, extra payments in lieu of equity will be payable.

Hi, always best to try and work this one out with your IP as to start again, like Foggy rightly says, you may well be in a worse off

Hi and welcome to the forum. Hope the above answers your question, do agree the fees will still be payable as per your original agreement.

I personally think it's wrong but it's the way they operate. A direct email, however, may well be answered, worth a try

Good luck with your offer. hope it works out for you.

You can always check here to see if there is any uncertainty.

https://www.insolvencydirect.bis.gov.uk ... erPage.asp

Fantastic.

As others say you certainly can, you may need to explain why the first one failed- all the best, worth a few phone calls

I gradually built up my credit rating by using a Vanquis card. Eventually I replaced this with a bank credit card eventually.

Well done on declining their credit limit increase. A good feeling.

What great links from Lisa and hope you managed to get in touch with her, to have a chat.

Fabulous, have a great holiday. Enjoy you definitely deserve it.

This sounds like you are done...

Fab news.

Expert advice from Shaun, good to know it's not technically impossible assuming you could get the IP to agree.