Thanks Andy.

Hi all,

My last payment was in June, i havnt yet had my certificate of completion. What i would like to know is am i able to add my name onto my partners mortgage or will that have a detrimental effect on her the mortgage or both?

Many thanks.

Congrats on beginning your debt free journey, i've made my final pyt in june. its a great feeleing and well worth the wait. Vanquis are credit builder cards, usefull for when you are done with your iva. Hope yours goes as quickly as mine seemed to.

Great news and i hope it all goes smoothly from here onwards. i have two pyts left to make and my own journey had a very stressful beginning. But now the end is near it was all very worth it and i cant believe 5 years is almost over. its gone so quickly and my iva gave me so much more back to my lif...

Congrats, hope it all goes smoothly from here on in. Hey there is nothing wrong with Council Champagne! (water)

hi all, i believe this is my first ever post on pets corner. Anyway, i'm writing to mention that i had my usual yearly renewal notice from my dogs insurer namely tesco. No he's a nearly 5 year old golden retriever. When i took out the insurance for him around 2 years ago i paid £17 per month, my ren...

I dont believe as a Civil Servant that you are required to advise any one of an IVA. Bankruptcy I know of a colleague whom was moved from his department to work in another due to conflict of interests. It wont hamper any job you go for.

Best of luck mate, once your on the road to being debt free you wont beleive how better you will feel and how quickly it goes. Fingers crossed for you.

Why doesnt someone pass an act to make these companies have a deadline for such things. After all they've have countless thousands of payments made on time by their clients. Terrible.

Not long now till hopefully you are on your way to a new future. Let us know. Fingers crossed.

Well done, its funny how i never really wanted to post in this forum when in had years and not months to go and admire those that do. But it is wonderful to think i only have half a dozen pyts left to make. Reading these posts now lends a new purpose of knowing what to feel like once its over. Now i...

With my IVA up in Summer 2013, how long will i leave it to add my name to the mortgage? Or if we go ahead say and rent somewhere for a while will that be better?

Thank you

I had no problems at all with nationwide. Congrats on beginning your new journey. even the first month makes a huge difference on your pocket.

Congrats, not long for me either so now you have that are you to inform the big 3 credit agencies? is that how it works?. Hope you have a great future.

Hi all, i just got 5 radiator heat reflector mats, they are foil mats that hang down the back of your radiators and reflect heat up and out into your rooms instead of into the wall. 3 or 4 quid each off ebay! make a difference, so you can put your thermostat down a couple of degrees. go get some