guys do you know if any company will accept poor credit customers onto contract. have been payg for the last 3 or 4 years now and could do with getting onto a contract as i work away from home alot

the cards are no different to a pay as you go mobile phone - you can only use whats on them. i have used it for basically everything including car hire in florida and booking hotels. the only problem sometimes is finding somewhere to top them up if you need to use them in a hurry as top ups at the p...

i have the mycashplus one and it has been a godsend. they have also started a credit repair service which effectively loans you 12 monthly payments in advance and they report each month to the credit report companies that you are paying the monthly fee. i know its not alot but its a start to repairi...

cannot back up enough what kallis3 has said. that initial relief to know that the phone calls and letters are going to stop is fantastic. you learn very quickly how to budget knowing that what is in the bank after the bills are paid is all that you have and that in itself is a relief. im not saying ...

well, well, well would you believe it. I got a call on Friday to say all cheques had been written and our completion pack would be in the post early next week. cheers again for all the support advice. going to spend the next couple of hours trying to help others on the website now that I have been t...

just spoke to closures team and cheque book now received and case awaiting final review. girl was actually quite helpful in providing info that had not been passed to me before. still a bit miffed that it looks like going on for another few weeks yet but she has assured me that she has made ours a p...

Afraid that not an option as I live in Scotland now. Like the idea though!!! Will have to go with the phone option for now

Many thanks guys for the advice. It has been office staff we have been talking to - normally the customer support team but I did speak to one of the closures team (we are with DFD). It is just frustrating as we need to get on with our lives. Currently saving for a deposit for a mortgage and needing ...

Hi there, not been on for a while. We payed our instalment of our IVA in May last year and our 5 year point was in fact 19 Jun 08. It is now nearly 9 months since the end and still we have no completion certificate despite several phone calls to my IP over the last few months. They keep telling me t...

Hi there been a while since I have been on. 4 months since completion date but still no completion certififcate. My question is can anyone recommend a current account with a cheque book. I have a basic nationwide account at the minute and reading on various web-sites there is no chance that I can up...

My boss went to see them in Bristol last night and this morning flew to Paris to see Bruce Springsteen. Alright for some. My favorite concert was Iron Maiden the week after I left school (a long time ago now)

Hi again Andy. Just been reading your debt history and whilst not on such a grand scale of settling early I recognise some similarities in the progress that we made over the 5 years. You mentioned that one down side was that you did not have a debit card for a while. We have been with the same Build...

Many thanks Andy. Did you get that straight away or did you wait a few months. As I said not interested in having one full time but would possibly use it and pay it off as you recommended just to boost the credit profile. Would it be worth waiting until we have a completion certificate? Does the cre...

Many thanks all for all the advice. Time to start saving hard for that deposit but at least we are in a position to do that now.

I got a pre paid credit card a few months ago and it has come in very handy but as far as I am aware it has nothing to do with credit rating as you do not get credit scored to get one.