Thanks Foggy, the last 3 years have been challenging, but i am so much more now wiser than i was 4 / 5 years ago. I feel more savvy about money and i have also been helped by my wife through these critical financial times.

Thank you Kallis for your advice. I will be posting these to the three different credit reference agencies today. With a bit of a wait I'm sure they will be able to update my file.

Hi Kallis,

Yes it was for 5 years and I made the completion within 3 years. I am aware that this will on my creditfile for 3 more years. However, this experience of being in debt has not deterred me in making the means of gaining a decent credit score moving forward.

Hello all, I have had some great news recently after my IVA was settled this week I received my certificate of completion. I am about to send a letter to Equifax, Experian and Callcredit. Once I send a letter with copies of my Certificate of completion and my Supervisors report from Callcredit, do I...

Thanks for the responses, very much appreciated. I have kept in mind the recommendations. Have a good weekend.

Thank you very much. I am awaiting my completion certificate so I can send these to Call Credit, Equifax and Experian so they are notified that I have now paid and settled the IVA. Im actually going to have a good look at private landlords and see how I fair with them to start with and hope to get s...

Hi, and thanks for the advice so far and will get in touch with Ryan / Shaun at some point this week regarding our circumstances.

<t>I have just had my full and final settlement agreed with Creditfix. Myself and my wife are looking to rent elsewhere due to a new job and wanted guidance on whether Estate Agents will accept us as tenants. Will there be a requirement to have 6 months rent upfront as well as a guarantor? We also w...

Thanks Lesley and Merlin... I have kept faith for 6 years and have seen many positives come out of my IVA. Even with PPI and closure difficulties we are all on the same road to recovery to becoming debt free. The day I finish will be a day i will never forget

Foggy Thank you for your reply, The "rehabilitation" side is about sharing with others and getting to the other side, hope you have a great 2014

I wanted to share with you my journey. My debt problems started in 2000 when i first started full time employment. Overdraft of £150 then increased to £250, then bought a car on finance which i struggled to pay. Got a personal loan to make up for this. It was the end of 2001 and in the space of 12 m...