Search found 317 matches

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Search found 317 matches Page 1 of 22
by Radish
Sun May 20, 2018 1:05 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit card!
Replies: 7
Views: 1399
I applied for a starter Barclaycard around 1 year after my IVA was complete and tended to use it small - around £20 - £50 in a month and paid it off. I sometimes deliberately didn't pay it all off so they could charge me a small amount of interest before I settled up. My credit limit went up over th...
by Radish
Sun Feb 25, 2018 2:10 pm
Forum: Ask IVA Forum and Industry experts
Topic: Quick Survey
Replies: 14
Views: 1154
Done :)
by Radish
Sun Feb 18, 2018 12:36 pm
Forum: Ask IVA Forum and Industry experts
Topic: Life after an IVA
Replies: 5
Views: 3232
Totally echo your words. My own IVA was the best thing I ever did. Only thing I would tall anyone is about a level of consistency throughout it and not make mistakes that I did - from my own experience, I had a marriage break up, moved house three times and had tax credits stop in the middle of it, ...
by Radish
Sun Feb 11, 2018 1:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: I am thinking of opening a karate club. How can I work this with my IVA?
Replies: 7
Views: 3164
You and me both - certainly a good feeling once you manage to get the suits white again :lol:
by Radish
Sun Feb 11, 2018 1:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: CreditFix - Full and Final
Replies: 6
Views: 3299
Thanks Foggy :D
by Radish
Sun Feb 11, 2018 12:39 pm
Forum: Ask IVA Forum and Industry experts
Topic: CreditFix - Full and Final
Replies: 6
Views: 3299
My parents where going to lend + contribute - to me the money to pay my IVA off 5 months before the last payment to the exact amount I would have paid during that time (£1.500 I think) but I never preceded when I was told that. although I would have paid the money early - my last payment date would ...
by Radish
Sun Feb 11, 2018 12:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: I am thinking of opening a karate club. How can I work this with my IVA?
Replies: 7
Views: 3164
You may be able to add your laundry bill too into your expense's? Those big white suits are not cheap to keep clean.
by Radish
Sun Jan 14, 2018 2:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: CreditFix and Completion Certificates - your experience!
Replies: 10
Views: 3553
Mine took about 9 months, it was the PPI back in them days (2014) that held things up. Seems quicker these days.
by Radish
Sun Dec 17, 2017 1:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: SOMEOME HELP
Replies: 5
Views: 6031
I remember the early part of my own IVA application. The amount increasing from £260 to £295 a month through various parts been rejected from the creditors themselves. It seems normal practice for them to tweak a few things - they are a business at the end of the day but it should be within what you...
by Radish
Sun Dec 17, 2017 1:19 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA completed but still on insolvency register. Urgently need a new boiler.
Replies: 8
Views: 5930
I heard a story once of a guy desperately needing some money, and went to a local unemployment place (he was actually working) and applied for a budgeting loan or grant (I cant remember which) for a couple of hundred quid and got it !! I know little about this unfortunately but wanted to share my ex...
by Radish
Sun Dec 10, 2017 1:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: Buying an expensive gift before the official end of IVA ?
Replies: 3
Views: 6620
A personalised card from Moonpig with your own heart - felt words would go a long way too for your first Christmas together, and not very expensive but the right words are priceless.. But as Foggy suggested, leave some idea's for Valentines day haha, and whisk her away somewhere nice on the annivers...
by Radish
Sun Nov 19, 2017 1:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: I am in an IVA and just been awarded PIP after a year long battle
Replies: 6
Views: 1457
Ha ha Sorry (should have read it properly) Just like to say good luck with this Jacq282

Thanks Foggy :D
by Radish
Sun Nov 19, 2017 1:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: Need advice on how to go about getting a new mortgage now we are IVA free !
Replies: 6
Views: 1100
I'm not an expert on this but I would say there is advice available on how to build your credit rating back up. Small steady steps. Took me two years post IVA to get my credit rating slightly above average. I took all the advice that was freely available on here or online.
by Radish
Sun Nov 19, 2017 12:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: I am in an IVA and just been awarded PIP after a year long battle
Replies: 6
Views: 1457
Did you get the PPI awarded straight to you i.e a Cheque, or paid into your personal account? Sometimes I know they actually pay PPI straight into the pot (if they are one of your current creditors) - you don't actually receive it. If it goes this route, then you may have a fight on your hands getti...
by Radish
Sun Oct 29, 2017 2:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: New to Iva help
Replies: 9
Views: 433
I was with DFD (who are now in a change of ownership I believe?) and most of my problems where caused by my finances fluctuating and changes in circumstances during the time - not by them...If you pick a recommended firm and are consistent throughout + frugal - you wont have any problems.
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Search found 317 matches Page 1 of 22