www.iva.co.uk

Hello All

Hoping i might be able to get some advice. I had F+F accepted and paid off in January and now awaiting full closure (expected to complete within a month or so).

The issues I have is that I have rented a car on the 31st Aug for my holiday and as i am the only qualified driver obviously i do not have a credit card. At the destination the rental companies say they 1) only accept cc and 2) the cc need to be in the driver’s name - frustrating.

So a way around it is for me to get my fiancée to get an additional card with my name on it - which i understand would actually have no credit links to be as the debt is in my fiancé’s name. I queried this with my IP last week and they seemed unsure and so they just suggested that i should not try this.
Wondered if any of the IP on the site would have some more clearer or concrete advice regarding getting an additional card in my name as I don’t want to be in breach of my agreement?

I have to act quick in time for a card to come so cannot wait for the completion to get my fiancée to request the additional card.

tks!!

Hi. Get yourself a pre-paid card which you can load up before hand. No credit involved, so will be OK with IP.

Have you thought about getting a Vanquis card, they accept people post IVA. Just be aware to pay off the balance each month.

If a credit card company will stand it, there is nothing to stop you being a named holder as the debt will be in your partners name and not yours.

Just be mindful that most hire companies allocate a set amount of money usually £100-£500 against your card so you can't spend this money. A pre paid card is excellent idea by foggy but note what I've said. I would email / speak to hire company find out how much they hold against you.