I entered into my IVA on 3rd january 2012 and made a full and final payment the next day. Despite constant calling i didnt get my certificate until August. I've since been told by a mortgage advisor that the date it will all be cleared from my credit report will be August. At the time I was told by ...

Nick, I had not realised you would know who I am from on here. What is your email address so I can contact you, or you can call me after 4 today or tomorrow before 11. I have my exam in a couple of hours so not available until then.

Thanks again for all the replies. So the 10% of the basic salary does this mean if I earn £30,000 a year before tax that I can earn up to £3,000 a year in overtime before having to hand over my 50%? or does it go on my take home pay of £1400 a month and I can only earn it on a month by month basis a...

I'm going to leave it for now as I've only just finished sorting it all and wages are due to be paid in this month. I might just set one up as a savings type thing and then it is there ready for when they close it. I just need a few months to let everything settle as I'm feeling really stressed by a...

Hiya, thanks all for the replies. I've had to register as a different name to reply. Really pleased about the phone and car insurance. I shall have to speak to my ip about the overtime. I am going to stay with payplan as they were recommended to me through work. The ip is fantastic and always answer...

Hiya, I'm just setting up an iva with payplan and they've been great. I've just got a couple of questions that have come to me late on a Saturday night. 1. Can I still get a mobile phone contract when my iva is set up? I am with vodaphone at the moment which finishes in may. I would like to stay wit...