Can anyone please tell me if they have defaulted with a creditor, entered into an Iva, got through it and re applied with the same creditor and been accepted for a new card?
Four years and I have just applied for a mainstream bank account with one of our past creditors and was accepted for bank account, saving account and overdraft facility.
Have been accepted for car leasing finance through ex-creditor.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Oh Thanks Thats good to hear. I was thinking of re visiting Barclays as they were my main bank for years and excellent but don't want to run the risk of applying until I get more feedback from the lovely people on here.
Hi luluj, Thanks for the comment.. are you saying that you were with them both previously in an iva and then you went back to them again after your iva was completed??
This is what I'm trying to establish really as I don't want to risk any unnecessary credit checks if anybody has had issues themselves regarding this.
Hi luluj,
would you mind telling me who these creditors are if that's ok. just to give me some idea as I have a couple in mind who I would like to retry. Thank you!
Thanks Luluj, so you're saying you've had credit cards again with both Barclays and Halifax after defaulting both of them previously? and your husband got an account with Lloyds (another one of my creditors!!).
was everything accepted straightaway and did you apply on line or in branch?..sorry for all the questions but don't want to get it wrong should I apply for a card. I quite like the idea of the Lloyds Mastercard account which they offer combined with American Express for the air miles etc. Thanks in advance.
Hi Tzekin, Thanks for the info but how can you be so sure about this?.
I do want to apply for a card but don't want to make any mistakes by applying to the wrong banks.
