www.iva.co.uk

Well .... during my IVA I operated a couple of cashminder accounts with the Co-Op: One for main DD outgoings and the other for Household spending. These accounts have served me well over the last 6 years or so and my intention was to keep them running "as is" for the foreseeable future.

However, with the number of school trips increasing I am finding the need for a cheque book more pressing --- the school use "parent-pay", which, frankly, is beyond my understanding. Luckily they still accept cheques (but no longer my old friend, cash).

So, this morning I popped into the Co-Op to see what could be done. My two Cashminders have been merged into a standard current account (with a chequebook and £5.50 rewards each month). I was offered an overdraft facility, which I turned down and came out with a new, shiny, 6% credit card (well, the real deal will be in the post). So Vanquis (39%) will be biting the dust

And -- added bonus ..... I got chatted up by a young lady in the park

Well done Foggy! We have just upgraded our Nationwide account to a full one, interest paying with a cheque book and also an excellent credit card. Still have a full Barclays account and I also have a Capital One card.

Oh - and also a savings account with both of them.

Co-Op offered me a savings account, but I will keep the Yorkshire Building Society one.

What a nice day you had!

Nationwide one is great and we also managed to open accounts for both the grandkids.

I hope she's not after your new credit card Foggy. Sounds like a pretty good day.

Goosed i feel the same ... I use the CC but almost immediately want to come home and pay it off rather than wait till the monthly bill - amazing the impact an iva has on you still 6 years on !