bumpety bump

hi wild rose i think you are better to wait for the IVA to drop off your credit file before applying. Im pretty sure if it still shows but marked as completed , this will be flagged up you have been in an IVA and therefore you will be rejected. Note the helpful call handler who has no influence over...

Hi markiboy I was with Nationwide during my IVA & like you they gave me a creditcard earlier this year; ive also just borrowed money for a new boiler from them it feels great to have come throught the IVA and have credit restored; dont get me wrong , i learned a huge lesson , have only used the cred...

well done from me also its a great feeling also you should find once you have dropped off the insolvency register that your credit file then reflects a superb score be sure however to check your credit file for a few months , as one of the CRAs has an annoying habit of mentioning your iva has been c...

it could have been far worse orchid5

it could have been from EIFEIFEIF@COMPLETELYUSELESS.COM

hope your well & enjoyiing being debt free ?

EIF are very inefficient

as many forum members incl myself have found

judith will get things moving for you im sure

good luck & keep us updated

here here foggy fully agree with everything you say and also Mel , Andy Davie & Michael P who we know set the bar in terms of both understanding & client service I would add that as a former client of DFD , the new team in place there seem to be making great progress from the mess DFD had gotten int...

great posts Mrs T & Til Good to see DFD getting back to the high levels of customer service they used to have when i started out 7 years ago !! Mrs T , I too scarificed my property pre IVA in attempt to sort my debts out as I didnt want to enter a formal process, which I still eventually had to do w...

well done from me to Andrew the good nes for you is that you have Mels co acting for you , who from previous posts dont mess abaout and seek to get CCs issued as soon as poss well done again and enjoy the spare cash you have next month. 15 months on from my last payment & approaching 9months since m...

Morning taralily

as above , depends which IVA co you are with ?

also , have you claimed PPI ie has this been syrted by your IVA co & if so , are you aware if its been paid into your IVA yet ?

not sure if youve made your last payment or are approaching it ? but well done for getting so far

stick with it footiemad i had hurdles through my IVA and for a great deal of the time was well and truly skint ie couldnt have speant £5 in the supemarket the week before payday , sometimes 2 weeks before. Often i thought i would never make it to the end and always expected my IVA to go wrong , ever...

hi rainbow well done would say this is a good move, as although you have some defaults to drop off, you can start to rebuild your credit now just be sure not to fall into your old ways; im not lecturing , but this is what i have to keep reminding msyelf now ive found my new debt free life more enjoy...

hi Baldy

i most definately use my cards differently, as per my rambling post before this one

the iva taught me one of the biggest lessons ive had in life

I just wish I had lived within my means all those years ago.

great news cooltony SNAP !! I got my completion certificate 1st November I gained a Nationwide select credit card in April with 12 months int free as my credit hostory had repaired ( i only used this to pay for hol which I have funds saved for , but am getting 5% interest on the case in my nationwod...

hi clairemichelle i stick to my guns with DFd and was sent a declaration to sign, confirming i had no ppi to claim and that i wouldnt attempt to claim post IVA. DFD sent it me with a lirst of all my creditors attached to it. I would insist they do the same for you. the exact wording with my details ...