font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by MrsR
Not sure Thematrix.
My husband and I are only 8 months into ours !!
Well it does seem little point attacking the register as in a iva you cannot get a credit card without permission so seems odd their marketing tactics.
I could understand them going after you in year 5 at the conclusion of a IVA given their marketing demographics.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
Probably, but they seem to target those with a previous history of financial difficulties which makes me think they have a more select source of data to target than a blanket electoral roll mailshot.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
I think most people after the IVA want to start to improve there credit rating and you have a choice of a vanquis card or another called aqua as these are the only 2 that almost guarantee to give you a credit card post IVA.
One of the few marketing compaigns where actually the target market can benefit by it (just pay the balance off though!)
Last edited by herbekj on Sun Oct 21, 2012 5:25 pm, edited 1 time in total.
Last Payment - November 2011 - Completion Certificate received 2 weeks after last payment, Removed from Insolvency Register within 4 weeks after last payment.
I've had a Vanquis card for a few years now and I pay the balance off in full each month so I don't worry about the APR. Dave is applying for a Nectar credit card with me as a named card holder so I'll switch to using that, but I'll keep the Vanquis card and use it for something small each month to help my credit rating.
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by herbekj
I think most people after the IVA want to start to improve there credit rating and you have a choice of a vanquis card or another called aqua as these are the only 2 that almost guarantee to give you a credit card post IVA.
One of the few marketing compaigns where actually the target market can benefit by it (just pay the balance off though!)
I suspect that if you wait until the file is clean, and then you apply to a creditor who was not part of your IVA you'll have a good chance of being accepted too.
I managed a 0% APR card with Barclaycard, though the interest rate is 0% I still pay it off every month.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
Hmm, x took over y who had been taken over by b who had been bought by a and then bought x...
Nearly 7 years on I not sure I have the faintest idea who my creditors were in many cases in relation to todays banks!!
But in my case i really needed one in relation to my job asap. I survived for the IVA but it was pretty stressful at a hotel check in desk praying the cashplus card would work and be accepted for example and that I had the money to load it up beforehand.
Last edited by herbekj on Sun Oct 21, 2012 8:51 pm, edited 1 time in total.
Last Payment - November 2011 - Completion Certificate received 2 weeks after last payment, Removed from Insolvency Register within 4 weeks after last payment.
