Not sure why it is high risk as 40% in no where near payday loans etc and can't see any other way of getting a two year short term loan. We have some urgent repair on house to do and this seems to be best and cheapest way.

No tried that

Thanks for comments, yes have ensured credit profile has all items marked correctly. Credit profile only has a 'fair' score though currently. Once IVA goes off fully in May (after 6yrs up) will this and default just fall off and will this impact credit score? I would try bank but know that they wont...

Hi thanks, can you confirm where i get Ryan details from. Thanks

Thanks for message Rosepetal and like you we just want to get the 6 years up and not have this hanging over any longer. I would not mind if they came and told you it would take 6 months but never nothing while the money sites in their bank accounts. Have now sent strongly worded complaint

Yes i understand that but it is the principal of how inadequate they have been and customer service has been non existence. To me they should not receive there fees and give more to creditors

No admin period was written into proposal and when they got sent the funds they said 12 - 15 weeks and at no time have come back and said it will take longer. My big issue is how are you supposed to start to repair your credit history when you get no help. It is not due to delays of creditors but th...

Hi thought that would be answer guys and can do the saving it is just the sofa has been on last legs for 2 years so had hoped it was possible but suppose another 4-5 months will have to do. Cheers

Hi can you tell me if buying a sofa from dfs it would need a experian check? We have just paid a full and final settlement payment for IVA (YIPEE) but are aware that it stays on our records until 6 years (another 15 months) but are in desperate need for a new sofa and would like to pay 15 per month ...

Thanks melanie, one question then around once i am out of the IVA will it still be as difficult to obtain a loan as i thought you could not apply until 6 years from commencement?

I am in a IVA with a few months remaining and have just been added to my works car allowance scheme due to the amount of miles i will be doing. I dont want the company car due to having to pay excessive tax and would rather take the monthly payment to buy a second hand car but would need a loan for ...

Thanks for comments. Dont know what world swans is from though as you can't buy much car for 10,000 especially as i do 30,000 miles plus per year.

Hi can i have some advice, my company lost a contract and i am down to be transferred to this other company under TUPE now in 3 months time. I have just found out that i will be given a payment of 10,000 for a car which will be paid in my first salary payment. I will need this due to having to go ou...

Thanks for replies and will speak to them as we have no other option. I do disagree that six months in acceptable as this is people lifes we ae dealing with and any company take over / due dilligence would mean that you staff up to level required to give customer service especially when you are be p...

Hi all We are two years into a IVA and after the first year we decided that we would lok to sell our house to pay off the IVA and start again as house was not included in IVA. This was at the time that debtmatters transferred IVA book to Grant Thorton. Due to the transfer it took 6 months for GT to ...