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Carl.ph
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by Carl.ph » Sun Jan 21, 2018 6:40 pm
Hi, we completed our IVA and received our CC in May 2016. We then went about trying to improve our credit scores, obtained a credit card with a small credit limit just for fuel and made sure we paid off in full each month as per the advice on this forum.

Slowly but surely we now have a healthy credit rating and life could not be better!

My question is I’m looking to purchase an IPhone from an Apple store on interest free credit, after doing a little research I see the credit provider they use are Barclays.

Barclays were one of our creditors within our IVA so do you think I would be be accepted for the interest free credit?

I don’t want to make myself look silly and get turned down in store!

Any Advice greatly appreciated, thanks in advance.....
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Foggy
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by Foggy » Sun Jan 21, 2018 6:44 pm
I have seen instances where former creditors have lent again and I believe Barclays were one mentioned before --- but lending is never an exact science. I think the dice play a bigger part than we would like to imagine !
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kallis3
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by kallis3 » Sun Jan 21, 2018 8:01 pm
I have a credit card from M&S who are run by HSBC who were one of my biggest creditors and I had no problem.
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Shaun Vickery
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by Shaun Vickery » Mon Jan 22, 2018 12:05 pm
We've had experience of lenders still providing mortgages to people who previously owed them a debt under their IVA. New lending decisions actually often aren't that joined up in their thinking...remember you are an individual who knows the exact detail of your financial history but to a lender you are one of potentially millions of potential customers. I can't provide any guarantees of course but I wouldn't be overly concerned if your credit file is now clear.
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Lisa Thomas
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by Lisa Thomas » Mon Jan 22, 2018 12:16 pm
When did your IVA start? Has the 6 year mark passed yet?
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kallis3
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by kallis3 » Mon Jan 22, 2018 12:58 pm
Reading previous posts it would appear the six year mark has passed.
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Carl.ph
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by Carl.ph » Mon Jan 22, 2018 1:16 pm
Thank You all so much for your advice, I’ll let you know how I get on........
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Carl.ph
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by Carl.ph » Mon Feb 05, 2018 12:58 pm
Hi guys, just an update.

Obtained internet free credit no problem through an Apple Store who use Barclays as their credit provider who were one of our creditors in our IVA.......
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Shaun Vickery
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by Shaun Vickery » Mon Feb 05, 2018 1:02 pm
Ta-da! Debt forgiveness in it's full glory. Well done Carl
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Carl.ph
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by Carl.ph » Mon Feb 05, 2018 1:53 pm
Thanks Shaun!
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Foggy
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by Foggy » Mon Feb 05, 2018 2:21 pm
Great news -- well done !
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kallis3
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by kallis3 » Mon Feb 05, 2018 3:56 pm
Well done!!
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SteveUK
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by SteveUK » Wed Feb 07, 2018 11:26 am
The downside being you now have an Iphone :D

Seriously that is good news :)
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