So now I'm out of the hole and rebuilding as I go..... Got the clearscore app, Noddle and free trial of CreditExpert.... Looked for lots of advice and decided that a CC was a good thing to apply for and use to help boos everything back to normal ratings.... Well.... I applied for an MBNA card and wa...

Might convert my "Holiday" post to a blog..... Probably more suitable!

It's getting very noticeable how often the best way forward is to complain! Are some of these firms getting lazy?

just looked at the Clear score site and signed up. very good...

Morning all! Having completed earlier this year and gone through the credit reports with Equifax, Experian and Noddle, can anyone offer any further tips? They all show slightly different information - Experian and Equifax have already removed the reference to the IVA whereas Noddle have yet to do so...

Hi all! Thankfully I am now nearing the end with all payments finished and certificates received! Just waiting for the 18/11/2016!! This brings me to my question.... When do the closed accounts drop off the credit file? I see that they stay on for 6 years, but is that 6 years from the default date o...

Just went to get me stat report to get on with tidying stuff up and their system is poor that I have to wait for 7 days to get a pass code through the post? Equifax was like boom, straight in! Hey ho...

Not the best service

Thanks Foggy. Already booked and paid for with what I would have been paying the IVA.... Now to start firing it into the mortgage!

Year 5 finishes and Year 6 starts.... last payments leave the bank and you're told that your case is with the closure team... A small spot of light at the end of a long unforgiving tunnel. Weeks pass, you call for an update. "we need to send a variation in for the deed of assignment" You pause and r...

That is a very slick completion process! Other providers should take note.....
Congratulations and enjoy!

Have you spoken with your current provider? I use the Halifax and they have just re done out mortgage at high street rates even tho I'm still in all the naughty books.....

How soon after final payments did people get a Vanquis card? Some seem to be able to get one despite being within the IVA term? Just looking as I am about to escape!

Hi all, I am now in the close out process and was wondering how often I should chase DFD on this matter.... Considering that it took them 3 months to acknowledge that I have do the DoA thing and they kept asking me to sign new ones!! They are also quoting 6 months to close it!?! Anyone else with DFD...

Thanks everyone and thanks Foggy for the link - again!

I would check what bonuses and overtime you have done during the IVA. Also, remember that you are entitled to a cost of living rise each year that does not count towards your income. I managed to 3% per year before they could count any permanent rise.