My IVA was handled by Grant Thornton they were excellent.

Hi Endsmeet Get your IP to ring Blackhorse, my husband received exactly the same letter when our IVA was accepted from Blackhorse. His van which he needs to work as he is self employed was not included in the IVA and we continue to pay for it. Blackhorse have in their T & C's a clause about IVA's an...

Hi Dawn
I used Grant Thornton they were very good. I only paid £5.00 token payments for nearly 6 months until the IVA went through.
Change your phone number and go XD then your creditors can't ring you.

Hi Simon Just reading through your posts, you don't have to wait six years post IVA to get a mortgage. I am 12 months post IVA and in the middle of re-mortgaging. My IVA was complete in 12 months because it was final settlement type. You would need to use a broker as they would have access to lender...

Hi All I've not posted for a while as my monitor blew up and i've saved up for another (life without plastic!!) Have any of you read the article in papers today regarding a woman who took HBOS to court over harrasing phone calls day and night. She used the Protection from Harrasment Act 1997 which h...

Hi mch
cancel all your direct debits, set up rent/utlities in your new account. Don't pay any of your creditors now, you only have a few weeks to wait. I only paid the odd token payment for nearly 7 months before my IVA was approved.

Hi Alan I cancelled all my DD online, I too had a loan with my bank. I could'nt cancel it online, when I rang the call centre to do it they put me through to my branch. I basically lied and said my pay would not longer be going into that account and that I would need a paying inbook for the loan rat...

Thanks Storm for the advise, I will put fingers to keypad over the weekend and contact the CRA's on both issues

Hi Nikky, My sons DLA was not included in my IVA at all by my IP. This money is for your sons personal care it should not be used for anything else, if they do insist on taking it into account, make sure as Lily states that you account for every penny back as expenditure. Can you not get free Nappie...

Andy, check Equifax also and then ring Barclaycard up, honestly they were very helpful. I know exactly what you mean, I don't mind the information showing as long as its correct, I was so p****d off that I did'nt even think about the fact that I would have to speak to someone I owed money to somethi...

Hi Storm I have completed IVA in May 2006, fully understand 6 years rule etc., and I am in the process of trying to 'tidy' up what info is held by CRA's, so that when I do want to re-mortgage which is the only credit I will ever have again hopefully I will be able to do so. I have two questions for ...

Andy This happened to me and it was Barclaycard and Max Recovery, I rang Barclaycard and spoke to them about it quoting my old BC account number. They were extremely helpful and the following month this was removed. The funny thing was this only showed on one Equifax not Experian. Ring your original...

Andrea, if it helps any mine took from end of October first meeting with IP to end of May to get IVA approval. It was mainly because we were trying to re-mortgage to fund full and final settlement which probably took about 3 months. During this time I made the odd token payment and like you was delu...

Hi Andy My IVA was full and final settlement, I was on the insolvency register until they received a copy of the final statement and certficate of completion from my IP. Unfortunately they did not receive it when I received mine June 06 and if I had not found out about the register through this foru...

Fantastic news Kezza, really pleased for you