It is standard practice to run a credit check when being added to a bank account and this weill have been mentioned, albeit hidden somewhere, in the tons of small print on the application. It won't do any more damage to your credit score than the IVA is already doing and will disappear within a yea...

I was wanting to be added onto my Mothers account as a third party just for emergencies if she became ill etc. We recently went into her branch and filled out the forms for this to be actioned. Today she received a letter saying that they were unable to add me to the account. Not once when we went i...

Hi all just a quick update..registered with Noddle a month ago and as to be expected my score wasn't too good but had an update yesterday and its now gone up to 623!! :D :D Is it still advisable to wait 3 months to apply for a card because using the Noddle card checker says I'll be accepted 100% by ...

Foggy wrote:

They are worth registering with to keep an eye on things as they progress and cost nothing -- better than paying the subscriptions ! If and when you need a "proper" report get the statutory reports at £2 a pop.

thanks for that ...on it n upwards

Hi, Onlyspinone, Have a look at the link in my post above and also my blog. That will give you some gen. I think it's best to wait at least until you are off the Insolvency Register (3 months). I applied for a Vanquis after I came off the Register, but while the IVA was still on my credit reports a...

Hi, Onlyspinone, Have a look at the link in my post above and also my blog. That will give you some gen. I think it's best to wait at least until you are off the Insolvency Register (3 months). I applied for a Vanquis after I came off the Register, but while the IVA was still on my credit reports a...

Hi all We have just received our completion certs from Payplan :D :D :D We had to take a payment break of 6 months and were asked to pay a flat rate payment for a further final year to cover the equity in our property but now its done and we have our certs!! I understand that we have to now rebuild ...

I recently lost my job and we are now currently in a payment break from our IVA. Myself and my husband are both in the break with our IVA's as we are now down to one wage with a mortgage and 3 kids!!! Our question is this, Do we have to still pay the 50% on overtime my husband earns whilst in the pa...

Hi all, About time for an update! We got our payment break eventually and our case officer was very helpful this time. We are both included in the payment break but it still seems a bit unclear about overtime payments during a payment break. Is it a break fullstop or will I have to still pay half of...

Thanks Tina, we will certainly keep ya'll posted

Thats right, we cant lose our home! We have just emailed nickp and hope to get this resolved as soon as possible. We have just been reading a few other threads regarding I&E and it now seems funny that ours was 'tweaked' by payplan to get the IVA approved but reading theirs and CCCs guidelines, our ...

Thanks for the replies and links folks, such prompt support!

Hi Kazza and thanks for your reply. Yes we do own our home but what is BR?

Thanks Kallis3

Hi and thanks for such a speedy reply!

We are with Payplan and it now seems that the help that was promised prior to signing up, is a little on the scarse side!!