Thanks for the replies, Lisa and Foggy. I'll watch that possible appeal with interest. My feeling is that Payplan had their chance to pursue it, and refused to, even though I flagged it up at the time. So...tough. I realise this wouldn't hold much water in a court.

Hello everyone. I'm sorry it's a PPI question which is answered elsewhere, but I'm having difficulty finding a clear answer. Here are the facts: My IVA began in October 2007. In about 2011 I was asked to complete IVA investigation documents with Equity in Finance. They managed to recover a small amo...

I just wanted to post saying that there is life beyond an IVA, and to keep going and don't give up. In the middle, I remember, I thought it would never end. But here I am, six and a half years after the IVA was accepted, debt free, and with a four figure sum in savings, a proper bank account with a ...

I have found Equifax and Experian very good at updating items very quickly if asked. They will probably ask for your CC as proof. Certainly on Equifax you can upload a copy, and probably on Experian too. If you have a statutory £2 report, they treat you as a 'customer' and you get pretty good servic...

The problem is that sometimes, if a debt gets sold on, the original creditor still continues to report the default and the money owing at the point it was sold on. This happened with one of my creditors. When I wrote to them about it, they passed the letter on to Max Recovery, who rightly told me it...

Equity in Finance are completely useless. I was asked to fill in all the forms in May 2012. This I did. I knew I had one bit of PPI, and that was with a credit card from Lloyds TSB. I was self-employed so exempt, but they forced me to get the PPI as a pre-condition of getting the credit - which at t...

I made my last payment in October 2012 and got my CC in January 2013. I didn't look at my credit files till September. I noticed that four defaults had the wrong dates. Two of these rather insignificantly by days, but two by a longer time. I sent letters to these (using the pro forma on this site) b...

I just received my completion certificate last week. I had £50k of unsecured debt included in my IVA with lots of credit cards and a personal loan from various banks. The IVA was approved in October 2007. All payments made on time etc. I just decided to look at my Experian credit report. Having sign...

Yes, I was part of the mass variation and it made the process faster. Well done to Payplan for leading the pack on that one. I still actually have one bit of PPI, and the original VAT payment still unresolved, but it has now not got in the way of completion. On PPI, I got ahead of the game, seeing t...

And thanks to Nick Payne and all the staff at Payplan who managed to get this completed only four months after final payment, in spite of having chaos going on with PPI and VAT.

Nobody in my real life knows I've been in an IVA for over five years. I just had to share with someone that I've had my completion certificate in the post this morning. Freedom from debt at last!

I have had various savings accounts while in the IVA. I am self-employed and therefore get paid irregularly. So I use savings for a small contingency fund and a place to deposit money when I get a large payment, and then gradually feed the current account as it's required. I don't think it's ever ha...

I opened the Readycash account at Yorkshire Bank before my IVA was approved. It was the best thing I've done. I told the lady who interviewed me that I was going to be in an IVA, and nothing was made of it. The approval only required the usual anti-fraud checks, not a credit check. I have found it a...