hi breckon the good news is no default letters and creditor harrasment ceases almost immediately i felt the weight of the world had been lifted from my shoulders. Money whilst a little tight, was far better than robbing peter to pay paul every month; or in my case, robbing visa to pay mastercard etc...

well done steve

doesnt it feel a guge relief when you get the good news

your countdown starts today

Hi Luigi what i did when i was at the stage you are now, was type a generic letter for each credit card co, writing my ac no on the top , explaining that i was entering into an IVA and requesting understanding whilst the process took place, additionally saying that i could not afford the monthly pay...

Hi Neil.zn Youve not really asked a question, so not sure what input your looking for ? Are you asking should you commence an IVA ? Do you have equity in your UK house & if so roughly how much ? are you looking to sell the house ? Please reply with whatever questions are running through your mind, a...

well done from me as well

hope you enjoying your spare cash each month , i know i am

yes great news and offers hope to anyone who may at somepoint think they have no where to turn.

I know when my income dropped by almost £1000 a month, I thought it would be the end of my IVA & it wasnt

hang in there , your making progress and im sure you will hopefully get to the end this time

well done isseymyake you will find the final 2.5 years start to go quicker ad when you hit a year to go , it will fly my advice to you would be to ensure you have worked with your IVA co to claim any PPI due, so that this cant delay things at the end. Hopefully in 2.5yrs time, PPI will be a thing of...

Hi David , Dawn Please take solace in the new forum representatives now posting; im sure by tomorrow afternoon or weds, one of them will have picked up your thread and will try and assist Theyve recruited a new boss whose name escapes me ( an old colleague of mels ) and she certainly seems hot on cu...

great news you must both feel relieved

best wishes for the future & good luck

Hi slapnuts2001 fully appreciate and understand yoru frustrations, but now Judiths on the case im sure it will be sorted. please remember , if thers been a C*"k up its not Judiths fault so dont get annoyed with Judith, she's merely left to clean up after other people, but I might add she is superb a...

Hi Radish I was rejected by 3 whilst still in my IVA 18months ago for the exact same you are hoping to do, however geminifm has been succesful, so give 3 a try. I particularly liked the 3 package. If computer says no at 3 , try T mobile, as they are almost certain to say yes good luck and be sure to...

good to see DFD striving to provide the level of service they used to and hats off to them for a second forum presence now.

welcome to the forum Matt

i feel for you downandout; like you i had a few hickups along the way im now post IVA and thankfull that i am, although my boiler went in March, managed to get a local guy to get it going again, but he advised it wouldnt get through another winter, my cheapest quote so far has been £4200 , so its st...

Evening everybody Foggy is correct and i say this from personal experience; the IVA stayed on my credit file past the 6 years mark , until my completion certificate was issued on 1st November & even then , there was one CRA that I had to contact , but in fairness once I emailed them my certificate t...

I Had a message on my answerphone from them a few weeks ago i called back the person who called me asking why they were contacting me as i was issued with my completion certificate in November last year and therefore wasnt subject to an IVA any longer; he told me i would need to speak with my IP and...