I think paid for accounts have their place providing you know what you are signing up for. We have a Flexplus account with Nationwide and for us it's good value - we use the travel insurance (even if it did cost us £200 once we'd listed our health problems!), mobile insurance and breakdown cover so ...

Hi Karin, I can't offer you any advice but I didn't want to read and run. Sorry you've got this extra stress and hopefully Michael will see this and be able to offer advice x

Yes you can apply online

Ooops I didn't notice that! I haven't got the account now as the customer service was so poor so I suppose no harm done!

Lesley, where does Halifax ask if you've ever made an arrangement with your creditors? I had an account with them last year and don't remember being asked the question and I've had a look and can't see it. Hopefully they've removed it! To be honest I wasn't expecting to get an account with Natwest a...

I'm not impressed with Natwest as they don't seem to believe in second chances. I was looking to change my bank account and one of the questions was 'have you ever been bankrupt?' When I answered yes I was told I couldn't go any further. It doesn't mention IVAs so the majority on here should be ok b...

Personally I would view it as invasion of privacy if an IVA company insisted on a home visit. I am choosy about who comes into my home and, if I was treated like Radish, the member of staff would have been told to leave very quickly! Annual reviews have worked perfectly well for years without home v...

Good to see a positive post and I hope the transfer goes smoothly for all involved.

We've got the Flexplus account as our joint account and I can definitely recommend it. We more than get our money back and it was the only way we could get travel insurance - their insurance covered us (for an extra premium) when none of the other companies would accept us.

Good luck Mike, I hope you're enjoying your new role.

Thanks Luluj, I wouldn't wish it on my worst enemy. I can remember announcing I was dying and I hoped it was quick - poor hubby didn't know what to do! I've been left with a few side effects but hopefully they will lessen with time, although I may have to have an endoscopy - fingers crossed I escape...

Glad you've finished your IVA.

I've finally managed to lose weight - still a way to go but having gallstones and pancreatitis gave me a kick start and I've managed to carry on. A stone and a half off and another stone to go!

Hi relieved33, I hope you are well. I'm doing ok and am going to be trying to post more now. I was ill earlier in the year and I'm just starting to feel like my old self again - I think that's a good thing!

Good luck to your son at college Jane.

Thanks for the welcome back Michael and Foggy! A lot has happened in the last few months but hopefully I'll be able to post more now.

Good luck Croydon Lady. I can't believe people are still having to wait so long for completion certificates.