Hi Kellygc, I know it helps when people can recommend IVA companies. I took out my IVA with Melanie Giles and her colleague Susan Clay. It was the best thing I did. I have read so much over the years on here about 'unhelpful' IVA firms and about delays etc. I have had nothing but excellent service f...

Hi, I appreciate you don't want credits. However, the Vanquish credit card did help massively. I applied online and had a phone call from them within 30 minutes to confirm the details I told them. I am keeping an eye on my experian report and I can confirm that they didn't even do a credit check! I ...

Hi everyone, A little more handy info... So my Vanquish credit card came through, with a limit of £500. This had an immediate impact on my experian credit report. It was 'Fair' with a score of 849. It is now 'Excellent', with a score of 968. The maximum score is 999. I also called my creditors to ma...

Yes Melanie...too high. I don't need a credit card at all now due to the savings I have and the new money I have coming in through my company...so it's just a means to an end. I'll pop on some fuel and then just set up the direct debit to pay off in full each month. That will have the positive impac...

Thanks everyone. Just to add to this...as more handy information for people post IVA. Today, I applied for a credit card to re-build my credit. I did this with Vanquis Bank. I was in two minds as to whether to do it straight away or wait for my creditors to update my credit report. I applied anyway ...

a great story

This is fantastic news! I have just finished my IP, early and in full, with Sue Clay. It feels good doesn't it!!

Hello, Well, my IVA is finally over. Life is great. The future is rosy! (I have posted before but not with as much detail and couldn't figure out how to retrieve my user details...so here I go again...under a new user name!) Questions this post will answer: - How soon did I get my completion certifi...