Well done The restriction on the house should be removed automatically once the information of the completeion is passed around - You can leave it a month or so then check on line yourself the land register if you want. It however can take up to three month to be removed from the Insolvency Register

Also check the ICO website - as data controllers contact details are on there.(NOT THE CUSTOMER SERVICES) If you have problem updating details you can make a complaint directly on the website

You could send a signed for letter - and a copy send via email with elecontic receipt - as well as keep a copy should you need to make a complaint

Use the brokers on here - they will give you advice etc. ?? You have defaults on payments to your mortage dated 2013,these will remain till 2019 if the lenders defaulted them. So it is important you seek advice from a broker that is used to dealing with less than perfect credit files and previous IVA

To need to allow (?? 28 days) for them to respond - if they fail to do this, then you need to use the ICO website and register a complaint against the company. Attach all your documentation when you register the complaint with the ICO

Oh good - make sure to have the completion certificate in you hand and the restriction is removed before even attempting to put the house on the market.(may take a few months) That way your equity will be protected

Are you also aware there is a restriction on your property - so you will need permisson to sell. The IVA will then capture a large slice of equity

Some but not all retailers pass the charge on. The worse ones tend to be airlines etc. I think is was around 2014 Barclaycard has massive clear out of customers - mostly ones who paid the credit cards off evey month. Whether they make enough money through transactions charges to cover the running co...

Paying off the credit either monthly or leaving a small balance is personal choice. I prefer to pay off the CC monthly and us it as my debit card (ie food shopping /petrol etc etc) - the CC offers the added protection that comes with a Credit card. Only time i every use the debit card is ATM withraw...

Barclaycard in the past have reduced credit limits or close accounts for people who pay off their credit balance monthly - Barclaycard do NOT make their money on customers that pay the balance off monthly, in fact it cost them to manage the accounts

Natwest are part of the RBS group

There are some main stream lenders who - will not give you a mortgage regardless on when the IVA was. Why dont you speak to both the mortgage brokers on here Ryan and Shaun - to run through your options. I have personally used Ryan company for a recent house move- and by doing that saved a lot of le...

There is also an increasing number of Credit Unions offering the Visa Debit Card as part of the account.Any funds in these account is also protected. Some Unions charge a small fee for the account.

I agree with Kallis - try Nationwide, you can mostly do this on line , and if they need extra ID, you can go into a branch, there are also very quick about making decisions

If the debt was included in the CCJ - then statue barring, will not occur (this debt is excluded) It is also worth remembering that if you moved address and failed to inform creditors - you may find the debt excluded also. Some other debt (ie tax is also excluded). Statue barring does NOT prevent th...