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TitlePostsViews
Based on what you know now  IVA or BR?Based on what you know now IVA or BR? (by: Goosed) 10 236
CF F&F accepted!CF F&F accepted! (by: Bumpkin) 19 1338
Hi, I finished my IVA in February 2011. Will me and my partner be accepted for a mortgage ?Hi, I finished my IVA in February 2011. Will me and my partner be accepted for a mortgage ? (by: Foggy) 2 42
Last payment February 2014 with DFD. Despite countless calls and emails no certificate.Last payment February 2014 with DFD. Despite countless calls and emails no certificate. (by: Foggy) 2 40
Iva listings appearing on GoogleIva listings appearing on Google (by: hubert) 81 2381
Does the IVA ever leave your credit fileDoes the IVA ever leave your credit file (by: Foggy) 5 106
Absolutely fuming!Absolutely fuming! (by: creditnomore) 8 141
One off paymentOne off payment (by: Foggy) 2 109
Credit file clean upCredit file clean up (by: Foggy) 1 113
Pension Rule ChangesPension Rule Changes (by: Foggy) 12 2131
To celebrate finish, we are holidaying in Portugal, but have come unstuck in trying to hire a car.To celebrate finish, we are holidaying in Portugal, but have come unstuck in trying to hire a car. (by: Grayson.sc) 10 737
My wife is panicking at the constant flow of arrears letters. Completed IVA nearly two years ago.My wife is panicking at the constant flow of arrears letters. Completed IVA nearly two years ago. (by: Foggy) 2 153
Ppi rewardPpi reward (by: Jeano99) 3 208
Im about to start looking for an IP.  However I am dubious about how it will effect my partner.Im about to start looking for an IP. However I am dubious about how it will effect my partner. (by: Slowlygoingunder) 16 508
Creditfix questionsCreditfix questions (by: cypher) 12 279
ClearDebt and Mass VariationClearDebt and Mass Variation (by: Foggy) 7 289
Insolvency RegisterInsolvency Register (by: country girl) 4 358
Am I allowed to take a small lump sum from my pension when I reach 55 ?  Will this effect my IVA ?Am I allowed to take a small lump sum from my pension when I reach 55 ? Will this effect my IVA ? (by: Foggy) 2 192
Hi just looking for some advice concerning Grant THi just looking for some advice concerning Grant T (by: Lisa Thomas) 28 1157
barclayscredit filesbarclayscredit files (by: Lisa Thomas) 6 458
CC Today.CC Today. (by: Lisa Thomas) 6 221
My wife is considering a cleaning job and wondering if it is worth it.  How much would my IVA take ?My wife is considering a cleaning job and wondering if it is worth it. How much would my IVA take ? (by: Michael Peoples) 6 201
Car balloon payment paid by dad. How can I prove I am paying the money back to him ?Car balloon payment paid by dad. How can I prove I am paying the money back to him ? (by: Michael Peoples) 10 455
This is regarding a friends IVAThis is regarding a friends IVA (by: Lisa Thomas) 5 279
Will my husband get accepted for an individual mortgage ? Weve kept our finances separate.Will my husband get accepted for an individual mortgage ? Weve kept our finances separate. (by: Ryan) 4 277
Having a wobble...Having a wobble... (by: Slowlygoingunder) 24 829
Partner passed away January, without life insurance. Mortgage in his name. IVA in my namePartner passed away January, without life insurance. Mortgage in his name. IVA in my name (by: Kerrydw63) 9 507
Insolvency listInsolvency list (by: unhappygirl) 4 1325
What is the maximum time an IVA can last ?  Im worried that mine will never end.What is the maximum time an IVA can last ? Im worried that mine will never end. (by: Foggy) 2 298
Creditfix ReviewCreditfix Review (by: abbiesmum2003) 25 1704
What are the rules about equity release when we both have an IVA .  My IP wont tell us !What are the rules about equity release when we both have an IVA . My IP wont tell us ! (by: abbiesmum2003) 6 211
If I sell my house is this IVA settlement likely to be acceptedIf I sell my house is this IVA settlement likely to be accepted (by: Lee.m) 8 434
So close...So close... (by: Imhotep) 4 732
Equity releaseEquity release (by: MrsR) 11 460
Iva finished April 2014. No certificate issued. Am I entitled to any of the refunded PPI ?Iva finished April 2014. No certificate issued. Am I entitled to any of the refunded PPI ? (by: Lisa Thomas) 6 888
I finished my IVA July 2014. Would it improve or harm my credit score to have joint finances ?I finished my IVA July 2014. Would it improve or harm my credit score to have joint finances ? (by: Foggy) 3 266
Are these figures normal for a 12 month extension ?Are these figures normal for a 12 month extension ? (by: Michael Peoples) 3 397
Final balloon payment requested. What is the best way forward ?Final balloon payment requested. What is the best way forward ? (by: Michael Peoples) 6 930
Help to Buy mortgages and IVAsHelp to Buy mortgages and IVAs (by: Ryan) 3 975
How do I divide my yearly income, 12 months or 13 ?How do I divide my yearly income, 12 months or 13 ? (by: Jeano99) 5 377
Best Birthday PresentBest Birthday Present (by: lesley) 9 594
Equity releaseEquity release (by: marathonman) 52 1795
PPI Court Case AppealPPI Court Case Appeal (by: lifenoteasy) 5 465
IP has advised against paying to cover potential claims so that we can start rebuilding our lives.IP has advised against paying to cover potential claims so that we can start rebuilding our lives. (by: lifenoteasy) 11 1370
I am being made redundant in June.  Will this offer of settlement be acceptable ?I am being made redundant in June. Will this offer of settlement be acceptable ? (by: Andy Davie) 4 412
Quick question ?!Quick question ?! (by: mrsbee) 10 559
Have an agreement with brighthouse can i put them in debt management plan ?Have an agreement with brighthouse can i put them in debt management plan ? (by: Andy Davie) 5 334
When will IP contact me for first annual review due end June ?  What information will they require ?When will IP contact me for first annual review due end June ? What information will they require ? (by: Steven1001) 4 230
One person said PPI was mine, then another told me it would have to go to creditors.One person said PPI was mine, then another told me it would have to go to creditors. (by: Foggy) 6 522
equityequity (by: linrog) 5 372
Mortgage help: Hi, Ive been in an IVA for 2 years, just offered a full and final settlementMortgage help: Hi, Ive been in an IVA for 2 years, just offered a full and final settlement (by: luluj) 4 471
I work in sales and have to offer and discuss finance.   Does being in an IVA affect this ?I work in sales and have to offer and discuss finance. Does being in an IVA affect this ? (by: Andy Davie) 3 256
hi guys only me again,from old posts update.  I paid full debt & interest.  Will I be sent PPI ?hi guys only me again,from old posts update. I paid full debt & interest. Will I be sent PPI ? (by: Andy Davie) 3 398
so far so goodso far so good (by: recovering) 7 548
A good news story about CFA good news story about CF (by: marathonman) 5 539
Court case on PPICourt case on PPI (by: Foggy) 28 2472
What is the best way to contact lenders to help remove things on my credit file ?What is the best way to contact lenders to help remove things on my credit file ? (by: Foggy) 6 581
We are 3 and a half years into our 5 year IVA plan, heard that could it be extended.We are 3 and a half years into our 5 year IVA plan, heard that could it be extended. (by: Foggy) 3 464
I am buying a house and have discovered that the vendor has an IVAI am buying a house and have discovered that the vendor has an IVA (by: Michael Peoples) 3 393
In October we are into our 7th year of IVA, is there anything we can do to bring this to an end ?In October we are into our 7th year of IVA, is there anything we can do to bring this to an end ? (by: Sharon.10) 3 590
What would be a considered offer to pay full and final ?What would be a considered offer to pay full and final ? (by: Andy Davie) 5 390
I missed the subtle change in equity release clause when transferred to GT.I missed the subtle change in equity release clause when transferred to GT. (by: Andy.17) 13 1148
Can anyone recommend an IVA friendly car insurance ?Can anyone recommend an IVA friendly car insurance ? (by: vaughan) 9 620
What happens after IVA approvedWhat happens after IVA approved (by: longslog101) 9 461
New first time buyer savings accountNew first time buyer savings account (by: lifenoteasy) 4 478
What happens if a change in our income results in us paying off our debt in first two years ?What happens if a change in our income results in us paying off our debt in first two years ? (by: luluj) 2 481
Any news if there is an appeal by IP regarding a recent court case in Manchester ?Any news if there is an appeal by IP regarding a recent court case in Manchester ? (by: Foggy) 2 524
Just been rough my 1st year, dont understand the paymentsJust been rough my 1st year, dont understand the payments (by: Foggy) 3 537
3 years down3 years down (by: linrog) 7 681
Wow  the man from del monte he say "yes"Wow the man from del monte he say "yes" (by: recovering) 9 1019
Why does IP say I need remortgage no equityWhy does IP say I need remortgage no equity (by: vlc1507) 70 3577
Can the household expenditure be increased to feed four hungry children ?Can the household expenditure be increased to feed four hungry children ? (by: Foggy) 7 671
What happens if overtime is done and monthly salary is more than usual ?What happens if overtime is done and monthly salary is more than usual ? (by: Andy Davie) 4 605
I have received a pay increase, what will happen to the additional money at the annual review ?I have received a pay increase, what will happen to the additional money at the annual review ? (by: Andy Davie) 4 571
month 54month 54 (by: clanger) 3 531
No cert for > year PJGNo cert for > year PJG (by: lesley) 7 459
completion certificatecompletion certificate (by: Foggy) 4 580
Which company? Experience so far?Which company? Experience so far? (by: Jeano99) 20 1026
PJGPJG (by: recovering) 10 926
PPI Appeal  Stephenson solicitors.PPI Appeal Stephenson solicitors. (by: Foggy) 2 634
Can I challenge a large increase long after my review ? I forwarded all wage slipsCan I challenge a large increase long after my review ? I forwarded all wage slips (by: dancer) 4 691
We underestimated our food bill. Can this be increased in line with the PayPlan guideline ?We underestimated our food bill. Can this be increased in line with the PayPlan guideline ? (by: lifenoteasy) 2 660
I took out a loan in 2004 which I fully paid off before entering an IVA. Can I keep the PPI ?I took out a loan in 2004 which I fully paid off before entering an IVA. Can I keep the PPI ? (by: Foggy) 2 656
Can I finish IVA with a bonus ?Can I finish IVA with a bonus ? (by: Bowman) 3 719
Having completed 6th year in lieu of equity,  now asked for valuation and threatened with BRHaving completed 6th year in lieu of equity, now asked for valuation and threatened with BR (by: thisusernameistaken) 15 1265
PPI Claim and CreditFixPPI Claim and CreditFix (by: thisusernameistaken) 17 975
How will the IP, creditors view transferring 10% of my wifes personal allowance to me ?How will the IP, creditors view transferring 10% of my wifes personal allowance to me ? (by: Foggy) 5 703
I posted a while back about my completion, do I now get to keep PPI ?I posted a while back about my completion, do I now get to keep PPI ? (by: Foggy) 4 743
An additional payment apparently superseded my direct debit and now told I have missing payment.An additional payment apparently superseded my direct debit and now told I have missing payment. (by: thisusernameistaken) 5 747
Can I maintain child tax credits by increasing my pension contribution ?Can I maintain child tax credits by increasing my pension contribution ? (by: Foggy) 7 835
Free!Free! (by: luluj) 10 715
PPI refund from a loan not on my list of creditors.  Any advice pleasePPI refund from a loan not on my list of creditors. Any advice please (by: Clare.mc) 3 301
Completed IVA on 0712. Surely I should get the PPI.  Never signed spotty letter.Completed IVA on 0712. Surely I should get the PPI. Never signed spotty letter. (by: Foggy) 2 565
three years into iva, cant pay. what are my options ?three years into iva, cant pay. what are my options ? (by: Slowlygoingunder) 13 706
How can IP still have interest in PPI after completion,  with reference to recent court case.How can IP still have interest in PPI after completion, with reference to recent court case. (by: Sleeping Well) 3 518
Help  need a definitive answer!Help need a definitive answer! (by: Dobby.k) 8 1072
YES YES YEEEEEESSSS!!!YES YES YEEEEEESSSS!!! (by: plasticdaft) 13 1205
Would anyone give me a mortgage to buy parents house ? My IVA ends in August.Would anyone give me a mortgage to buy parents house ? My IVA ends in August. (by: lesley) 4 843
Can I appeal against a decision made by my IVA company ?Can I appeal against a decision made by my IVA company ? (by: lesley) 5 930
What are our chances of getting a mortgage ?What are our chances of getting a mortgage ? (by: lesley) 5 315
Help pleaseHelp please (by: plasticdaft) 5 863
IVA revoke?IVA revoke? (by: Diane.59) 7 1554
We settled early on our IVA dec 2014. Will we be able to get on the help to buy scheme ?We settled early on our IVA dec 2014. Will we be able to get on the help to buy scheme ? (by: nonewdebt) 14 1445
Mortgage post IVAMortgage post IVA (by: Foggy) 2 824
5 years completed, is it permissible to pay off IVA with a lump sum ?5 years completed, is it permissible to pay off IVA with a lump sum ? (by: Foggy) 3 834
Can my husband take over my IVA ?Can my husband take over my IVA ? (by: Foggy) 4 868
When a full and final agreed amount is sent, is the receipt acknowledged ?When a full and final agreed amount is sent, is the receipt acknowledged ? (by: Lisa Thomas) 12 1255
tv rentaltv rental (by: Lisa Thomas) 10 1182
F and F completion timesF and F completion times (by: welshwiz) 7 2881
Am I not entitled to PPI payment even though I finished my IVA 2 years ago ?Am I not entitled to PPI payment even though I finished my IVA 2 years ago ? (by: Foggy) 3 320
applied for iva now anxiousapplied for iva now anxious (by: Andy Davie) 5 928
Things are moving along...Things are moving along... (by: Slowlygoingunder) 19 1428
My IVA has been nearly paid off,  can I apply for a mortgage ?My IVA has been nearly paid off, can I apply for a mortgage ? (by: lesley) 4 875
Car PCHPCP after IVACar PCHPCP after IVA (by: lesley) 22 1430
Will Creditors look for receipts for childcare payments ?Will Creditors look for receipts for childcare payments ? (by: abbiesmum2003) 12 981
House ValuationHouse Valuation (by: Ta Dah) 19 1123
My IVA finishes in April. Any chance of borrowing on our mortgage to get work on house done ?My IVA finishes in April. Any chance of borrowing on our mortgage to get work on house done ? (by: Ryan) 5 924
Hoping for good news about a lender that will give me a mortgageHoping for good news about a lender that will give me a mortgage (by: Ryan) 4 924
Want to move because of bad neighbours.  Is it possible to get a mortgage or port current one ?Want to move because of bad neighbours. Is it possible to get a mortgage or port current one ? (by: Ryan) 3 903
I need to open a business account for my Ltd company as a registered nurseI need to open a business account for my Ltd company as a registered nurse (by: UpToMyNeckInIt) 3 878
Where do I stand if my settlement offer is not accepted ?Where do I stand if my settlement offer is not accepted ? (by: Foggy) 5 924
What is the lowest amount creditors would accept to finish my IVA ?What is the lowest amount creditors would accept to finish my IVA ? (by: Foggy) 2 895
Gym membership not listed on annual reviewGym membership not listed on annual review (by: lukeofyorkshire) 10 2265
Would making a F&F offer prior to receiving inheritance be likely to cause issues with IP ?Would making a F&F offer prior to receiving inheritance be likely to cause issues with IP ? (by: Dobby.k) 6 996
I am 3 months in arrears and threatened with bankruptcy. What can I do ?I am 3 months in arrears and threatened with bankruptcy. What can I do ? (by: Foggy) 2 902
Implications of Pension fund refusing to allow my friend to reverse decision to take whole fund ?Implications of Pension fund refusing to allow my friend to reverse decision to take whole fund ? (by: Foggy) 2 399
If I sell property before CC is issued would extra equity be treated as a windfall ?If I sell property before CC is issued would extra equity be treated as a windfall ? (by: Andy Davie) 3 975
IVA provider has confirmed property is excluded. What happens if in fact equity increases ?IVA provider has confirmed property is excluded. What happens if in fact equity increases ? (by: Foggy) 13 843
Blog registration is enabled for 24hoursBlog registration is enabled for 24hours (by: lesley) 4 934
IVA and redundancyIVA and redundancy (by: Foggy) 4 901
What happens if I am tied into a fixed rate mortgage with costs to get out and remortgage ?What happens if I am tied into a fixed rate mortgage with costs to get out and remortgage ? (by: ilikewatch) 3 910
How do I get two declined mortgage letters ?How do I get two declined mortgage letters ? (by: Garyd0559) 3 1038
Blog registration is enabled for 24hoursBlog registration is enabled for 24hours (by: longslog101) 7 947
11 months in11 months in (by: ridingthestorm) 23 1397
What happens now?What happens now? (by: Foggy) 2 305
New blogs disabledNew blogs disabled (by: lesley) 5 1435
If my employer changes banks will my IVA show up ? I make payments on line for employer.If my employer changes banks will my IVA show up ? I make payments on line for employer. (by: Foggy) 2 930
How to get IVA off Credit ReportHow to get IVA off Credit Report (by: Rich) 11 1591
Would it be possible to pay a lump sum to avoid having to go into a sixth year ?Would it be possible to pay a lump sum to avoid having to go into a sixth year ? (by: Susandg46) 13 1436
Still getting statements.Still getting statements. (by: welshwiz) 3 726
Present job is looking shaky. Expenses of new job will be more than additional pay.Present job is looking shaky. Expenses of new job will be more than additional pay. (by: Lisa Thomas) 5 1019
IVA completed 11 years ago, still showing on my credit file it is affecting mortgage applicationIVA completed 11 years ago, still showing on my credit file it is affecting mortgage application (by: Lisa Thomas) 8 1155
Will i need to pay an extra 12 months payments due to the equity clause ?Will i need to pay an extra 12 months payments due to the equity clause ? (by: Andy Davie) 3 1088
What happens when my salary would not be able to meet remortgage payments ?What happens when my salary would not be able to meet remortgage payments ? (by: Stuart.01) 8 474
Equity release.Equity release. (by: vlc1507) 12 687
taking action against my IPtaking action against my IP (by: lesley) 29 3028
PPI Grant Thornton EICPPI Grant Thornton EIC (by: foreverbroke) 38 5146
Post IVA ClearingPost IVA Clearing (by: Foggy) 4 1044
CreditFix Clients Look hereCreditFix Clients Look here (by: Downwardi) 40 4857
Grant Thornton have instructed solicitor to pursue PPI. I have my completion certificate.Grant Thornton have instructed solicitor to pursue PPI. I have my completion certificate. (by: Foggy) 3 994

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