I use one of the free services, they give tips as well as progress. I finished my IVA in 2014 and since then I have managed to increase my score to the point I could get any loan or credit card within reason, having said that once stung and all that, I would rather save up and buy things lol.

Did should have been explained better at the start of the IVA, the operatives that we speak to initially should make it more clear that you are liable for interest and the full amount + fee's. I myself didn't know this and paid more than I expected. The IVA was the best thing I ever did, bringing me...

I lost a second job while in my IVA six months after commencing, my income + expenditure was minus £200 per month after IVA was paid, luckily I earned around £300 per month in overtime. Things we do when determined to get to the debt free status at the end of it.

Insanity of gambling 2 consequences free on amazon UK All weekend... I post when I'm giving away My choice to gambling was a major part of my IVA Problem

I've not been able to navigate to start a new topic and as it's concerning gambling please all me to place here. Last year I gave away my book the insanity of gambling - the cause of my problems and I've free on Kindle. I'm pleased to announce my second book the Insanity of Gambling 2 is also now FR...

If I remember Mobile phones contract or PAYG, a Gym memberships and even Sky TV was accepted, I think they asked me to drop my £6.99 a month for Film4 (before it was free), but otherwise I was on cheapest alternates of all of these which they accepted. An IVA is a long process of 5 or 6 years and ca...

I did put the book (on kindle) for free again earlier this year. I have since wrote a second book (insanity of gambling 2) and I do try to give it away for the maximum that I am allowed. I never wrote the book for profit and I do give donations to my local GA meetings, there isn't much profit in wri...

I was with DFD and the only question I was asked was weather I was paying additional voluntary payments on my pension, as it was 6% (I think) and was told they may want me to stop this and pay it into the pot, as it happened I was paying the bog-standard with no extra

Find your local GA and attend a meeting, speak honestly in the room. Your story is similar to mine except you have been honest from the beginning as to where your money went (I tried to hide as was ashamed to tell anyone how I lost it) so you have already taking a step in the right direction. Gambli...

I started rebuilding my own credit rating with the free score-rating websites, I also got a first credit card to use but pay off each month, once my limit started going up - so did my score. I recon it took my two years to get to the stage where I could get a mortgage if I applied, but there are bet...

For some reason I cant start a new topic? So I have chose this one connected with gambling (I want to give something away) I had a gambling problem which led to me ending up over my head and on an IVA. My book 'the insanity of gambling' explores my journey up to that point. From 10th to 12th Februa...

I got a generous allowance for the two cats I claimed for - I don't know what would happen if dogs had puppies etc and the number changed 'after' IVA commencement, but if you have them before its all allowed in, don't know about you, but I find pets are better than people :lol: :lol: :lol: :lol: :lol:

If its PayPal from the balance made up from your own money from eBay sales, then surely this would be the same as using a pre-pay credit card? Is your PayPal linked to any credit cards that you owe money too? If its connected to cards that are suspended by creditors it might have problems? If you wr...

Thank you, interesting - or should that be 'interest'-ing lol
I think I am in the wrong business if its that easy to make £500 profit on a £2k loan

Gambling is still an misunderstood topic, there is no science behind it and the mere words is bound to send shivers down any moneylenders spine. As a gambler in recovery, trust is the hardest thing to win.