How did you get on? Hope it well?

Thanks Kallis, sorry to sound daft, I thought that was what was meant.

I'll give Barclays a go in a few months.

Well done Plasticdaft, you are very close to finishing now!! Bet it's already starting to make you smile, knowing its not far away....

Good luck with the rest of your trust deed.

Hi Andy, Thanks for the advice. When you say not had credit with you only mean, not had credit and defaulted on it?

I ask because I had an account a long time ago with Barclays, but didn't at the time of the IVA, so wondered if they could be a "goer"?

Thanks

I didn't miss any of my repayments right up to the end, however, was paying for day to day items on credit cards and my minimum repayments accounted for 90% of my income, so decided I was effectively insolvent as I wasn't able to continue to service the high levels of debt. Most of my creditors were...

Thanks for your responses folks!! I rather naively didn't think of the banks own records and that they may have shared the info with others. The difficulty I have is that, in having debts with Natwest, Lloyds TSB and M&S Money, I can't bank with Lloyds TSB, Halifax, Natwest, RBS or HSBC (as they pur...

Sorry Judo, mis-read you message at the bottom! Thought you had done 4 years 9 mths of your IVA! Don't worry, you'll get through it in no time. Mine went quite quickly, now I'm free! Hurrah!

Good luck and thanks again for your help!

Thanks for your kind reply, Judo. I will give that a go, perhaps I have something nasty on the file with CallCredit?

Good luck with your IVA, not long to go now for you!!

Don't worry, my creditors defaulted my accounts up to 4 months after the IVA had started, I then wrote to them once the IVA had completed and now all removed!! Hurrah!

The time soon goes by, you'll soon be debt free!

Hi Everyone, It's been sometime since I have been on the forum. Hopefully, someone will be able to help with my query. My IVA ended in March 2010, and I have worked hard ensuring the IVA register has my IVA removed and the Defaults are removed from the credit files with Experian and Equifax (all cle...

I think it should be private. I understand banks and credit providers need to know if you are insolvent, however, it shouldn't be open to all. That said, no one knew I was in an IVA (I worried people at work would find out) and within a few weeks of my IVA completing, the record is removed from the ...

Co-op Cashminder account is great. Comes with a Visa Debit card and I don't think they are connected to any of the companies you listed

Try the Co-op bank (CashMinder) or Yorkshire Bank (ReadyCash) both have proper debit cards (Co-op Visa Debit and Yorkshire Maestro).

I had a similar problem whilst in my IVA and I used CashPlus, I had £100+ of debits taken and managed to dispute and get it all back.

Congratulations!!

I was also with DFD and my IVA ended in March 2010. My certificate took about 6 weeks, and this was with Declan's assistance (much appreciated Declan!!)

With regards the Insolvency Register, your name should now be removed? I was off there about month after the IVA had ended.

Thanks Jan.

Is there a risk the creditor may close the account on the person in the IVA?

I had always understood you could not bank with your exisiting creditors?