Thanks for the advice. I looked at the co-op and more than and they were quite expensive, but I also looked at directline and that was really the best value found so far and they haven't asked either only issue is I need to pay all in one go. I just don't understand why bankruptcy in the past is a p...

Thanks for the response.

Well that's what i thought, unfortunately it is a bit by the by as there is someone in the house who was bankrupt and thats all that seems to matter

Hi there, I am looking to get house contents insurance but the guy i share the house with is a discharged bankrupt and I've now found out that it seems pretty much all insurance companies either won't insure me or have hefted up the premiums. So is this right, if you have been or have a bankrupt per...

I have been living elsewhere for 9 months so i think that will work. which is great if so Thanks for the info

Hello there, sorry iff this becomes a long post! i had an IVA Nov 2003 which is fully finished now Today I checked my credit treference and finally all the incorrect defaults are removed. Experian gave me a credit score of 999 and excellent. Equifax is showing as clear. I have a Vanquis card that I ...

It is extremely important that you check your credit reference. Mine is incorrect and i am still fighting to get it fixed a year on

Some background, I had some troubles in the past so entered an IVA to help myself. Later I was able to end this early and so completed it successfully. Last year was the 6 years post IVA so the time when my credit reference should be clear so I can start again, or so I thought… I checked my credit r...

The completion of the IVA is recorded against the IVA on the credit report. I will do waht you recommend for the dreditors. I don't mind the defaults, I made the mess up, I suffer the consequences. It's more having defaults on there 8 -> 9 years after I started the IVA. Why 6 years though, never ask...

Hi there, I completed my IVA early so am now out of that and I have just recently looked at my credit report as i wanted to try and go from a basic bank account to a more "normal" one. Now I can see my IVA is recored as a start date of 10/09/2003 and so I believe that will disappear off the reports ...

I am aware that it would stay on my credit file. That's cool, a good reminder to not get in that situation again. It feels great to have it finished. Having it gone means even though i will still be paying off my friend I can now afford to take up my new job in Manchester. A whole new start [:D] I g...

Well I was wrong and the date was actually today. But i gave a call to my IVA company and got the news that the creditors have accepted. Just waiting on the paperwork to see if they will take the £500 I mentioned from the entire thing or whether it is an extra. I hope it's not extra, I should have c...

Thanks for the advice
I pretty much thought it would be as you said. I will seek out some advice and see what happens

I have recently (as in today) accepted a new job and am moving to Manchester. I am hoperful that my F&F will be agreed on Monday and so at that point my IVA will end (once I have sent the F&F I mean)? So looking at properties in Macchester possibly for purchase would work about 3.5 times my current ...

Well I got the details in from the company. They have scheduled in a meeting for 20th August. Says a sum on £5500 and the supervisor shall be entitled to an additional £500 + VAT for costs of the meeting Don't know if that means I have to pay the fees or whether they are taken from the IVA funds? Ei...

I spoke to my IVA company and they say it is up to me whether I keep up the payments. Therefore, I think what I will do is not pay for the next two months but instead put those payments into a savings account. If the offer is rejected I can restart the payments and make up the arrears otherwise just...