Search found 379 matches

Search found 379 matches Page 1 of 26
by Radish
Sun May 26, 2019 12:45 pm
Forum: Ask IVA Forum and Industry experts
Topic: At the end of my IVA ...
Replies: 3
Views: 182

I had to conduct a review a few months after my IVA was completed and I was worried as work began offering unlimited overtime for a few months to prepare for some new software - I virtually lived there :roll: When they got in touch with me to tell me this (just before they wrapped things up for the ...
by Radish
Sun May 19, 2019 8:03 am
Forum: Ask IVA Forum and Industry experts
Topic: credit score
Replies: 11
Views: 622

I got myself a Barclays freedom reward credit card with an £750 limit 6 months post IVA and used it wisely. Its a starter card and every few months they put your credit limit up - I noticed that when my limit went up, my credit score got better. Very small steps but 3 years later I could probably ge...
by Radish
Sun May 12, 2019 12:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: I need my IVA to end
Replies: 4
Views: 1025

I work at the NHS and they do a salary sacrifice scheme for cars. Don't think you keep the car but its maintained and you never have to pay anything except the one payment - unless its changed since I looked into the a couple of years ago. We have a free ride to work bus - its the standard transport...
by Radish
Sun May 12, 2019 11:11 am
Forum: Ask IVA Forum and Industry experts
Topic: My IVA payments stopped 8 mont
Replies: 6
Views: 1004

IVA's are advertised at 60 affordable payment then debt free - its a shame they don't actually make the consumer aware of the full probable eventualities. Getting to the goalpost and finding out its been change must be frustrating. Think its easier if your know these things in the first place. I liv...
by Radish
Sun May 12, 2019 11:06 am
Forum: Ask IVA Forum and Industry experts
Topic: It’s arrived
Replies: 6
Views: 917

Huge congratulations, its a great feeling planning what your going to do with the savings you are making when you reach debt free status.
by Radish
Sun May 05, 2019 9:40 am
Forum: Ask IVA Forum and Industry experts
Topic: Annual review
Replies: 2
Views: 1150

I received one after I had completed my IVA - I was told its just an oversight, and unless there was a huge spike in my in-comings before the certificate comes, I need not do anything.
by Radish
Sun Apr 28, 2019 1:02 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can I use Amazon when in an IVA?
Replies: 4
Views: 1060

Me too, sold and bought items from eBay and Amazon. For food I used to be at the reduced yellow label goods at the supermarket every night. Oddly enough the part of the IVA enjoyed the most, being frugal. I still do it now post-IVA.
by Radish
Sun Apr 21, 2019 1:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Should I apply for credit to boost credit score?
Replies: 7
Views: 1340

I applied for a credit card around a year after I receive my certificate with the hope of increasing my credit rating, I didn't know what I was doing but I tried to use it sensibly, obviously after being on an IVA I didn't want to head towards that again. I found the free credit score website a big ...
by Radish
Sun Apr 14, 2019 11:54 am
Forum: Payment Protection
Topic: Is it worth checking for ppi
Replies: 5
Views: 1827

Considering I have been through an IVA myself - I don't think my partner has claimed any PPI back at all. You would think I would have noticed :? :lol: :lol:
by Radish
Sun Apr 14, 2019 8:58 am
Forum: Complaints procedure
Topic: Free gambling book
Replies: 6
Views: 2673

Sorry late replying, been on holiday (soooooo hard coming back to work after being away) thanks for the nice comment Foggy. Glad you enjoyed especially as some of your advice over the years has really helped me.
by Radish
Sun Apr 14, 2019 8:55 am
Forum: Payment Protection
Topic: Is it worth checking for ppi
Replies: 5
Views: 1827

Isn't the PPI deadline sometime this year?
by Radish
Sun Mar 24, 2019 10:48 am
Forum: Complaints procedure
Topic: Free gambling book
Replies: 6
Views: 2673

Thanks for the comments. I intent to give it away for free as much as I am allowed, which is 5 days per three months so if anyone missed it simply keep looking out. Its mainly aimed at the mindset of how an addict thinks and the knock on effect of making bad decisions - its not a self help - more of...
by Radish
Sun Mar 17, 2019 2:01 pm
Forum: Complaints procedure
Topic: Free gambling book
Replies: 6
Views: 2673

I have been given the opportunity to give my book away for free for anyone who has a Kindle - its called the insanity of gambling and its the story of how I made every excuse under the sun, my mind-set at the time and how I finally addressed the problem but ran up huge debts - I did not even admit i...
by Radish
Sun Mar 10, 2019 8:40 am
Forum: Ask IVA Forum and Industry experts
Topic: I have a pre booked holiday
Replies: 6
Views: 5504

I believe they view the total income. If you earn child tax credits I believe this can be counted in too. Its meant to be from your total income and enough left for food/clothing and amenities. Your allowed to have allowances for mobile phones and Sky TV, pets and insurance. I couldn't afford a prop...
by Radish
Sun Mar 03, 2019 12:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: Gambling blip
Replies: 4
Views: 6850

I have just written a book about the perils of gambling. Part of the book is my IVA story - The book is available on kindle and paperback on Amazon and its called "The insanity of Gambling" it looks like me now with the flat cap and the bike although I haven't gambled for many years
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