I completed my IVA in August 2016. I was given a Mortgage by a high street bank last month. It has been a struggle but finally I am seeing daylight. Once the IVA was finished I saved the IVA amount. I have 1 credit card from current account provider used only to get a better credit score. Anything I...

I was in exactly the same position. Worth sending an email asking if it has been sent to closure. I found they had not sent mine because of a mistake. They sent it and them I kept sending emails every 6 weeks trying to keep them on track. IVA finished now CC received August 2014 I started in June 20...

I was with GT and also in an interlocking IVA worse in my case as my husband had been out of work before the IVA so would not have been eligible. When we seperated I continued to pay the IVA the mortgage on the house and my son moved with me. The divorce court says it is irrelevant and I must sell t...

Arrived home today to find a letter from Belfast saying that Gareth Neill has completed his duties. I made the first phone call in April 2006 it took a long time to set up as it was very complicated but GT were very good at that point. 1st payment was in June 2007 final payment last year as I had a ...

I went to Santander at the beginning of my IVA they are really good. I have on online savings account and switch money between the accounts so my current account after direct debits never had more than £50 to withdraw. By the time my last payment had left my account I had begun a savings account onl...

I only had the one account, but kept a total of the direct debits and on pay day took this off. The remainder was to spend. I then took off as much as I could to the big bills, car tax/12, dentist/12, christmas/12, car service/12 this then got put in a savings account that I opened in a local credit...

My final payment left my account this month and I notice today the infamous GT have even cancelled the direct debit even though they told me I had to phone them before it would be cancelled. Will not hold my breath for a completion certificate as there are additional personal issues with my IVA whic...

One month I did not have enough on the payment date as I had not been paid on time. I contacted GT customer services by email and by phone. Spoke to my bank who stopped the direct debit for that month and I then paid GT by standing order when I had the money and the bank reinstated the dd the next m...

We share the final payment date.My last payment will be 6th September. I filled in my I & E in July and GT replied that all is ok and final payment is 6th September. Like you I am wishing time away. But am looking forward to being able to say I don't owe anyone anything. I have one thing planned whi...

We separated in year 3. We are now in year 6. All you can do it fill in your own I/E and at all times keep in touch with the IVA firm. The worst for me is that they address all letters to my ex partner and all phone calls but it is me they want to talk to I never know whether it is me they want or h...

It is horrible getting the letters on a Friday. I had one from my IP yesterday they had sent it to the wrong address and it needed replying to by yesterday and of course they are all on an extended holiday. Get an email address which you can write to I did this in year 2. I find that easier. It took...

Have just had a 2nd text message from 08006696091, saying they cannot contact me so will arrange for a field agent to visit. They can contact me and have via two spotty letters, one hour long phone call etc etc. And a previous text message like this one. They do not want me they want my ex partner w...

We have jars. When I do the mid week shop for fresh milk I obviously have to get £10 out. This means that I get £1 and £2 in the change. The target is to put 1 £2 in one jar and 1 £1 in the other jar each week. If you get extras at any time you can put them in if you don't need them for anything. We...

We got a television from a local charity that recycles furniture. It cost £25 was in full working order and they had done all the electrical tests. Alright it is not flat screen but it works fine.

I keep getting phone calls. I also keep getting told they will update their files. The guy yesterday was really apologetic but the information EIC have is incorrect and this is scary. If this information is wrong what else is wrong. I hope nothing. But I have images of post going to a house that is ...