cheers for that - will do!

not tried either - will try again -thanks for the tips!

wow- just found this thread and giggled to myself that its nearly exactly a year ago thjat i wrote it! - so thought i would give a little update to those still wanting to hear how life is post iva! i still haven't (as per other threads ive written in) been able ti upgrade my bank account with halifa...

we're having the same problem! applying for upgraded bank accounts even the bank are saying they cant accept us despite us being customers for over five years due to defaults showing and we finished our iva last december so coming up to a year out iof it now - didnt reaslise it will show up to six y...

ive been out of my iva for a year this coming january - i still have the original halifax account i was told to open before the iva was written up. However it is a pain as it isnt recognised many places as only a solo card so not a cheque guarentee card - cant book theatre tickets, theme park ticket...

arrhh- thanks everyone - its sounds so silly to be proud of it now but i do feel we have both learnt so much more from being in it - we went into it so young and i did feel in the beginning we were perhaps silly to have gone into an iva so quickly instead of trying debt management programmes first b...

i have been on and off this site for the five years my husband and i were in our iva with McCambridge Duffy and i just wanted to write a few lines to thank everyone, including the site owners/moderators for their support and words of wisdom. Alot of the time it did help alot to know that there were ...

yeah we tried arguing that but we met a brick wall - all agents insisted on the credit check despite us knowing our score from previous ones and knowing we would fail. It would seem they all work slightly differently. It is also an insurance based thing for the landlord/lady as if you fail the credi...

its so weird hearing moretolife saying how they got into an iva - that is exactly how we got into it. we answered a "too good to be true" newspaper ad, filled in a pack, had a rep come to our home and somehow manage to talk both of us into an iva instead of just my husband who had enquired. then we ...

melanie - yep. you're right. checked our original documents and we have miscellanous of £40 per month - so cant moan too much eh?lol.our councilo tax was set at £90 a month which is alughable now - we pay £160! and the petrol allowance was set at £240 for both of us together a month with petrol pric...

just in case anyone is following this thread and is in a similar position, we found an estate agent who we told upfront re the iva. she had no clue what one was so printed off heaps from the net re the info and provided iva leter to show we have never missed a payment in the four and a half years we...

if its any help, we finish our joint iva paying £335 together each month at the ned of noember. we both still have the original halifax bank accounts and both have overdrafts of £100 which we don't use but were offered them anyway and are on our accounts. my husband had credit agreed to buy a car on...

we finish our iva with mccambrdge duffy at the end of this month - cant wait! and we have no contingency fee - we have been told nothing of what happens next to end the iva - we have just been told to send our last few wage slips to them and we'll hear from them shortly - a contingency fund would ha...

paul - we are in our final year of the iva and rented privately before the iva started but then moved twice this year. we tried through estate agents and had a nightmare paying over £100 each time for a credit check they insisted on and knowing we would fail. Most we told about the iva first but the...

update is that we asked my parents to go guarentor and they said no as they are planning to retire and don't want to risk anything - noone else we know to ask who has good credit history or earns more than £20k which they need to have to be guarentor....noone who can lend us six months rent in advan...