I too listened to the budget and heard no mention of anything to do with adverts ceasing or indeed anything commenting on insolvency at all. I suspect nothing will actually change and adverts will continue to be posted?? I am sure an expert will be round soon to give a firm answer on this.

Hi Melanie,

They were like yourself basically, a slapped wrists for applying but could understand where I was coming from and the reasons behind it! He said as long as I had not used the card then it was not a problem and agreed with me on the how irresponsible the lender is!

Hi all, I really had to share this with you all as I think it is just ridiculous. I am currently in an IVA owing money to numerous lenders. One of my lenders whom I owe approx £6000 to sent me a mailing saying I had been approved for a credit card and all I had to do was sign the form and send it ba...

Maxdebt, Although it is very kind of you to share your discount codes with us all, I believe they can only be used once so you may miss out on the offer. I had these sort of codes myself and used them, My Mum also tried to use the same code and we were told the code had expired as it had already bee...

Just read my last post again, the end of it about the forum made no sense but I am glad you got the general idea Melanie!!! I have edited it to make some sense for others wanting to read this thread!

I will give my IP a call on Monday and let you know how I get on.

Thanks again for the advice.

Hi Melanie, Thanks for the quick reply. It would be from the student loans company. Sorry I dont think I explained myself too well! I work full time at present and would go part time, the student loans would form the difference in the full time wage I am on now and the part time wage I would be on t...

Hi, I was just wondering if anyone knew if it were possible to take out student loans whilst in an IVA. I have checked with the finance company and they do not credit assess applications and confirmed my IVA would not be a problem. I am 2 years into an IVA and the course I am Interested in is a 3 ye...