Hello all I have completed my iva over 3 years ago and one of the creditors was virgin cc. Done an eligibility check for a purchase card and they said I was pre approved. Has anyone had a credit card with one of there previous creditors from an IVA don’t want to apply if they then say no.

<t>I am officially solvent whoop whoop I checked the register this morning before work and I am off it am so happy. It is all<br/> Over now and I can finally move on. Must adjust since getting the completion certificate I haven’t believed it was real and kept thinking they would call say they have m...

Foggy yeah your right my whole life changed if that makes sense my family offered to pay it off in year one they wanted to use their own savings to help me but I said no this was my mess I needed to wake up I won’t be going back there but it has helped me a lot

I think I can agree am glad mine is over they seem to be changing so much recently cf seem to be the worse I hope it goes well for the poster I know when I went over to cf this year as they took Pareto which where fab they made me sign a new agreement to get more more money upto 125 per cent of the ...

Ha ha ha I thought I did till now lol but they made so much fun lol we still went to family but it was so different we didn’t participate in the hoopla that Christmas brings the whole expense but the family got my son vouchers for cinema bowling and that so he could still hang with his mates that he...

Yeah I found them great but if I am honest whilst in the Iva I had some of the best Christmas 🎄 ever stripped back no expense but I am keeping all this the same we didn’t miss the piles of gifts which is one of reasons I ended up in a mess but dusting off the old board games so much fun whilst the I...

It’s the best feeling ever I still look at mine now after a month we did it

Hi Hun it may seem hard at some points I found year 3 and 4 the hardest for some reason but if I can give you any advice is plan plan plan and budget I am not ashamed to say I went to supermarket late at night and sundays about 330 to see what yellow stickers I could get me and my son had a jar in t...

Thanks guys doing it as a single parent with a teen boy was hard but if anything it’s made him appreciate money now as well he got himself a little job and started saving it made me a better parent and hopefully made him see nothing is for free

<t>I just want to say to all those that are starting there journey or are still in the IVA it may seem hard strict and sometimes there is no light but believe me there is and it does end it’s been a month since I got my cc and the feeling you get well it’s great I still look at it now and ask is it ...

Hi all just an update they have been in touch and CF have not sent anything so I have lost nearly a month but I have just sent them the paperwork over now so hopefully the ball will start rolling now

I have done it twice and emailed maybe I should email them with my cc thank you for your time

Hi thank you I did this over a week ago how long does it normally take am I been impatient sorry about this but this is the last bit of it all

<t>I just need some advice or tell me I am not going mad I competed my Iva and got all paperwork posted on here got great advice but the insolvency register is still showing current not completed. I spoke to CF who took my file on the last 4 months as I was with Pareto and they said it was done as p...

Thank you foggy I will contact them just to put my mind at ease it’s great am done with Iva this is the last step I know it takes 3 months to come off