Search found 236 matches

Search found 236 matches Page 1 of 16
by grimswold
Wed Aug 24, 2016 3:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: Would any one recommend Creditfix ?
Replies: 11
Views: 4087

I hated them but at the end of my IVA (which I settled with the very fair F&F offer they came up with) they completed quickly and easily and I had the completion certificate within 2-3 weeks. This changed my view of them. They also didn't mess around when it came to annual reviews. I never thought I...
by grimswold
Sat May 14, 2016 10:25 am
Forum: Ask IVA Forum and Industry experts
Topic: Creditfix expansion
Replies: 6
Views: 2038

Just received this from CF: seems you have to opt out of it rather than opt in Following the successful completion of your IVA this is the perfect opportunity for you to review your financial affairs and ensure that you can enjoy a stress free future now that you have successfully dealt with your de...
by grimswold
Mon Mar 21, 2016 9:42 am
Forum: Ask IVA Forum and Industry experts
Topic: Business account?
Replies: 1
Views: 1451

Hi
IVA completed November 2015 with F&F. Completion certificate following week. Now looking for a business account as I have lost my job and need to go self employed. What are my chances and who is best to approach?
by grimswold
Tue Mar 08, 2016 2:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: Rebuilding Credit!
Replies: 23
Views: 6637

We also have Vanquis and I have seen my rating rise each month. Settled mine as F&F mid November, CC the week after. Everything is done and it's good seeing the results and changes. I complained that Lloyds hadn't marked something as satisfied, and I got £100 compensation for it which was great as o...
by grimswold
Sun Feb 28, 2016 6:50 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit fix...finality
Replies: 10
Views: 2537

I'd just leave the whole thing alone and be happy I was free.
by grimswold
Sat Feb 27, 2016 12:56 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit file
Replies: 3
Views: 2277

Glad I complained, cheque for £100 on its way as compensation for inconvenience [:D][:D][:D]
by grimswold
Thu Feb 25, 2016 12:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit file
Replies: 3
Views: 2277

What is the difference between "satisfied"/"settled" and "partially settled"? All creditors bar Lloyds have debts as "settled" but I wrote to Lloyds as they still had the information as "default". They have written back and said they'll change it to "partially settled" but I have my completion certi...
by grimswold
Fri Feb 12, 2016 3:55 pm
Forum: Ask IVA Forum and Industry experts
Topic: Register
Replies: 9
Views: 2067

Do they keep your name on the insolvency register until the last minute? Has anyone gone over the 3 months? My 3 months are up on Weds and I am keen to see my name come off!!!
by grimswold
Wed Feb 10, 2016 5:22 pm
Forum: Ask IVA Forum and Industry experts
Topic: Thinking of applying to Vanquis for a card.
Replies: 12
Views: 2452

just checked my search history for you; things like insurance companies show up on my Noddle a/c. Vanquis does not, so it must have been a soft search for the card they gave me. They gave me a £500 limit. It was about a month after completing the IVA early, so the defaults still show on my credit fi...
by grimswold
Wed Feb 10, 2016 1:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: How long does it usually take to put forward a F&F offer ? Would appreciate any comments.
Replies: 5
Views: 1722

Meant to say cc arrived the week after the meeting & approval. So five weeks in all from offer to completion.
by grimswold
Wed Feb 10, 2016 1:27 pm
Forum: Ask IVA Forum and Industry experts
Topic: How long does it usually take to put forward a F&F offer ? Would appreciate any comments.
Replies: 5
Views: 1722

Mine was 28 days after I put the offer forward and the completion certificate arrived the following week. Cannot fault Creditfix for this part of their operation; they were amazing.
by grimswold
Sun Jan 31, 2016 11:41 am
Forum: Ask IVA Forum and Industry experts
Topic: Defaults again
Replies: 14
Views: 2237

Thank you! It's cleared that one up in my head.
by grimswold
Sat Jan 30, 2016 2:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: Defaults again
Replies: 14
Views: 2237

So, let me get my head around this. I am looking at Noddle. The Santander and Barclays ones show as a "closed" account and are marked "satisfied" from Nov 2015. The last red default on them are Nov 2015 when the IVA was closed; Dec 2015 and Jan 2016 show nothing. However, Lloyds still shows as "open...
by grimswold
Sat Jan 30, 2016 1:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: Defaults again
Replies: 14
Views: 2237

Thanks, Foggy. This is what I was confused about as there seem to be different ideas about this.

http://www.iva.co.uk/forum/topic.asp?TOPIC_ID=75299
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