morning almostthere13 i would suggest maybe checking with the Insolvency Service to ensure its been removed from their records and the maybe ask them will they inform the CRAs . Is it just one of the Credit reference Agancies its showing on or all of them ? Last resort if the above fails ( unlikley ...

great post Im with Nationwide and when they started to recomemnd Trusteer a few years ago i downloaded immediatley. im not techy at all , but can honeslty say its not affected my pc as there are often posts on the web re fraudulent internet banking scams , I must say ive tried to stop using the rand...

hi virtual-unknown

first of all well done , its a great feeling isnt it

secondly , which IVA co are you with, as a one week wait is truly magnificent, when some forum members have waited over a year, or at least 6 months !!

great post and well done I also felt a huge sense of relief when my IVA was approved and teh nasty MBNA harrasment calls along with all the others ceaseed. I had been skint for several years due to my debts, so despite the tight IVA budget , in reality i was actually better off, but more importantly...

hi james Foggy is 100% correct; yes you can start to rebuild your credit if you manage to get one of the higher APR credit rebuild cards, but the IVA will remain on yourcredit record until 6 yrs after it commenced. Dont allow anyone to tell you any different, as they are unfortunatley mistaken as Fo...

i would perhaps wait a month or two ie so as not to affect credit score any more than it may be already and then apply directly with Tmobile , either in an EE shop or on the website i applied in a store , but recall other forum members have said they applied online and were approved no problem I thi...

good evening everyone

just came across this article on Daily Mails website; hope it may be useful , if not now then at some time in the future maybe

http://www.dailymail.co.uk/money/guides ... ounts.html

hi andrew very sorry to hear about your upsetting news. Alas , im sure most IVA's are more or less the same and by this I mean i suspect most of your inheritence will need to be paid into your IVA. You will need to check the woring of your IVA agreement or check with yoru IP, as you may be allowed t...

hi rachel whilst waiting for your CC as you appear if im reading things correctly to be at or almost at the 6 years mark ( big well done for this achievemnt alone ) i would suggest looking at the 3 main Credit reference agencies to make sure eveything on your credit file is ok ie defaults have dropp...

morning debtproblems 2103 My own personal debt was similar to your £111k and for me IVA was the ebst option and now some 6 years on im free and have been for 12 months. however my personal & forum experience does not give me enough knowledge to post a helpful reply to you, as the situation you find ...

Well done orchid5

What will you spend it on , a holiday or will you bang it in the bank ?

Best wishes

Alls well that ends well From my part also , I really didn't mean to have a personal attack. At the end of the day I think everyone , no matter if IP or forum member cares about the forum and sometimes we can get a bit carried away If I was that clever I wouldn't have run up huge debts ; I only wish...

equally mel IPs , particularly CEOs of larger organisations, should not use the forum in a dismissive and condesending manner, with comments made further up this thread which may be more fitting on a forum for credit industry professionals as opposed to a forum for people with debt problems. I feel ...

as my dearly departed gran used to say " theres no smoke without fire * I suspect i am one of the people David Mond refers to in his post, as i postsed a few months ago, after doing some digging via companies house.... I was criticised for making suggestions & assumptionsabout my findings. With all ...

if you suddenly find yourself worrying about how to deal with a lump sum payment Orchid5 , just let me know and i will fwd my bank details so you can share the burden !!

seriously good luck , you desreve it and what a nice end to your IVA a little money back will be