Thanks Foggy - there's a big branch here in Watford, so sounds like a trip in there may be in order !

Hi all Thank you for your replies. I wanted to use FD again because they were, for the most part, very efficient and until the IVA, I was happy with them - I still have my mortgage with them and wanted to keep everything in one place. I did try to upgrade my Co-Op account a few months ago (probably ...

Hi there My IVA completed and cleared from my credit file in June 2012 and I used to bank with First Direct. When they found out about my IVA, they told me that I basically had a month to find another account. I did so and have been with the Co-Op for about 5 years now, with a basic Cashminder accou...

Hi Ian They did the same to me in 2006 when I first took out my IVA - but they only gave me 30 days back then. I went with the Co-Op and they have been really good - online banking and 24/7 phone banking too. I also downloaded Microsoft Money which you can get for free as it's no longer supported, b...

Thank you both.

The debt was incorporated into the IVA and they received their F&F in June 2009. I suspect it's something to do with Year End financials but they shouldn't keep re-activating it as outstanding.

Is there any legal action I can threaten them with to stop it once and for all ?

I agree. I started out with Debtmatters who were dreadful, but then they "sold their book" and I was with Grant Thornton. All I can say is that nothing was too much for them. They were realistic about the state of the economoy and its effect on people. I think it helped that when I got my bonus, I g...

Hi all. I agreed a full and final which was accepted 2 years ago and I decided to register with Experian to keep a close eye on my credit report. It's pricey but the best thing that I've done. I have received an alert notification as I did last year at the same time, for TTI SPC - Freemans by any ot...

Good luck. My parents helped me out (£5k) and it was the best thing I've done. I got a new job and was told it was temp to perm in 4 weeks - looks like it's going to be up to 6 months and no work, no pay ! The second week in I had that norovirus tummy bug. Luckily they had accepted my F&F so the mon...

LOL No worries there David !!! I can't believe how much my spending habits have changed. I've got a wedding at the end of May and was looking for a jacket, shoes and bag to go with a dress and there was a helpful lady in John Lewis who suggested that because the dress was so long, there would be no ...

Thank you everyone. I'm really looking forward to being able to save for things I need now !

Maybe a holiday or some furniture or even paying someone to decorate instead of the usualy DIY efforts !!!!

Yippeee ! Thank you Gordon Brown for screwing up the economy ! My parents will be losing no interest by lending me the money to clear my IVA !! I made the offer at the end of March and the variation meeting was today and they accepted !!! I recently started a new job that I was told would be temp to...

I'm surprised HSBC have left your account open. First Direct gave me a month to find another bank in 2007 - I'd been with them for almost 15 years and that counted for nothing. To say I was disgusted was an understatement, but my account now runs better than a lot of other people they still count as...

The only difference I see between IVA and BR is the fact that you pay your creditors back alot of what they were owed - whereas BR you don't all of the time. Hints and tops for building a credit rating up are I am told having a contract mobile phone, having a credit card would you believe it - but ...

Excellent news John.

Today is the first day of the rest of your life.

Blimey - sorry for the long post !!!!!

[:D]