IVA Calculator - Do I qualify?

Worried35 wrote:

Does anyone know exactly what CF ask for at the yearly review?

It was either 6 or 3 months bank statements
I used to send a copy of my payslip every month as i had uplifts but i ecpect they would want those and or a p60 too

No but your statements could be looked at during a review. Plus if you don’t tell your IP you could be in breach and fail your IVA.

To clarify... i sent my oayslips in because I wanted to not because they asked. I instigated the equity release and emailed my caseworker when I came to the end, she confirmed my last payment and forwarded my case to closures. I then chased up the certificate The only time they are efficient really ...

Of course you don't have to use everything with a full account if you don't want to. i recall talking to Co-op pre IVA about setting up a basic account. The person on the phone kept saying to me you can have a current account you know. I was insistent on the basic! Ironic that with all that debt I ...

I finished in February I had no final review but I sent in payslips every month as I had fluctuatiing pay so usually had uplifts all the way through. Had my Cert within 3 weeks ( this was actually slow for them)

MerlinL14 wrote:

You can open a full current account online, it was only the basic you had to go to a branch to open.

I am a bit worried about applying now! I have no idea what to do for the best?

[quote="MerlinL14"]I applied for a Barclays account 3/4 through my IVA, I was refused a full current account but given a basic account, I had to go to a branch to open this account and was pretty sceptical about the result. I sat down with an adviser who was fully aware what an IVA was and...

Foggy wrote:

I assume that you are looking at reports on Noddle and Clearscore --- I would get statutory reports direct from each of the three agencies at a couple of quid a pop. They may differ !

I have done all that before i got the car it was only 2 weeks ago!

Banks etc - dont see the credit scores - so there are actually meaningless - what they see is applications for credit etc Which confuses me even more! The only credit I have is mortgage the car and a balance of £45 on a Vanquis card I pay in full every month I have just looked at all the ref agenci...

kallis3 wrote:

I would try Nationwide - they are usually pretty good.

It really upset me! I don’t know why I let it! Does applying look bad on the credit score?

Just got told they cannot discuss the reason when I rang
I did a live chat and he says there is something on my credit file
There Is not!!!
He suggested waiting for a letter
I may just move banks
It is very upsetting

Yes i still have an cashminder with them which is why i wanted to speak to someone first but yesterday i got told to just apply online

I will try!!! Just a knock back after a bit of positivity getting the car! I knew there would be a balancing out first the cheque now the rejection

Experian says no changes, noddle has gone up to 5/5 Equifax excellent

They used the usual Experian equifax and call credit all of which are clear The very kind Mike at Zebra checked them for me before i applied for my car. I tried to talk to them on the phone as there is no branch near me amymore and got told to just apply online . It says to write to them to appeal I...