Hi All, Just another update as requested, Cahoot have finally removed the defaults so I guess that the two letters I sent them threatening with the Financial Ombudsman have done the trick and I have also been accepted for an Aqua credit card with a limit of 100, I use this just for petrol etc and pa...

Hi Again, Just updating you all on my current situation regarding defaults etc. I have just checked my credit record using the free Noddle website and all my defaults/creditors have now dropped off apart from Cahoot who are still defaulting me on a monthly basis. I am now gonna send them a letter ( ...

Hi Again, well Ive checked the official register and my name has completely gone, no IVA or anything so that's a big plus [:D] Now I shall wait for a month or so to see if the defaults also drop off for each of my individual creditors and if not, I think I shall write them a nice letter to request t...

Hi,
Thanks for the advice, I was thinking of waiting until the IVA drops off the register then going from there so that sounds like the best plan.
Roll on the 8th August 2013 [:D]

Will keep you updated as to what and when anything happens

Thanks Again

Hi All, Its been a while since I've asked for advice so here goes: I successfully completed my IVA in August 2012, I am now one month away from my credit records being wiped clean ( I hope ), anyway I recently checked my file online with Noddle and all my creditors are still defaulting me on a month...

I have used Hertz a few times during my IVA, I contacted the branch directly where I was hiring from and they accepted my Visa debit card, but it has to be a 'proper' visa debit not an electron type... They just loaded my debit card with the deposit and paid it back once I returned the car, my last ...

I've been with with Payplan since the start of my IVA which was over 4years go and now I'm onto my 11th case officer, I have found them to be ok with my problems that Ive had over the years but they are certainly becoming more mainstream and have lost that personal touch that I experienced with them...

Hi Kazza,

Yeh, I might do that and see what happens. As you say its worth a try.

Thanks Again

Hi Kazza, Thanks for replying, I recently had a dose of Vertigo which knocked me out for months, spent most of the time in bed. I have now recovered from that and I was sent for a MRI scan which found plaques in my head which, grouped with vertigo are early signs of MS, I am now still waiting furthe...

Hi, Thanks for the prompt reply, my problem is that I am in the very early stages of diagnosis and it could take a few months for the neurologist to confirm my condition, by that time I may be virtually at the end of my IVA. I have no definitive proof of my condition at the moment so I am unable to ...

Its been a while since I've been on here as my IVA has been going ok and I am now into my final year. Recently I had a serious illness where I was off work for five months, during this time I had all sorts of tests, one of which was a head MRI scan. The results of this scan shown that I have signs o...

Thanks for your replys, I will wait till my IVA is completed and started the process of getting the defaults removed then.

Hi, Just been checking my credit file on credit expert (for those of you on quidco its 20 pounds for the 30day trial but hurry as it ends on the 30th Sept this yr) and all but two of my creditors have ceased defaulting on the day my IVA was accepted but the other two are continuing to default on a m...

Just an update for the Paypal PrePaid card holders amongst us all.

I have received my new card and pin number today so no renewal fee and there's a couple of yrs till the next expiry date as well [8D]

I reckon that they are not making as much money as they expected to when they first released the card, I personally load the card thru my paypal account and don't get charged anything at all, never have done for either loading or using since I've had it apart from the initial fee of purchasing the c...