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doelani

moneysavingplumber wrote: »

Cheers, no I haven't was only discharged from IVA less than a month ago!

My IVA finished in May although still not completed as a few complanies just do not seem to want their money :rolleyes: and I was able to get vanquis and aquacard, hubby got aquacard as well. he did not apply for vanquis.

sutton111

enjoy your hols

moneysavingplumber

doelani wrote: »

My IVA finished in May although still not completed as a few complanies just do not seem to want their money :rolleyes: and I was able to get vanquis and aquacard, hubby got aquacard as well. he did not apply for vanquis.

Thanks Doelani, how long did you wait after finishing the IVA?

doelani

moneysavingplumber wrote: »

This is a bit weird, I finished an IVA last month so I still have defaults showing on my file, Max Recovery seem to have removed two even though they aren't due for removal until next year but the majority (in value) are still there (totalling about £13,000), dating 2003 default, and obviously the completed IVA is there too. Wescot and Max Recovery have yet to mark these accounts as 'Satisfied', although I received notice from Wescot this morning that they are going to.

I signed up for experian about a week ago and noticed 2 max recovery accounts had disappeared as well, these were also paid off with my IVA which was completed in may. After reading your post have checked again and they are back

Sammy_Girl

doelani wrote: »

to late lol plane leaves at 7am

:eek: You should be in bed lol

Take your Aqua with you and try? I'm sure it would be ok.

Hope you have a good hols

fairmorn308

whats the best advice i can do regards to my cards?

cap one - credit limit £500 - balance £394
MBNA - credit limit £500 - balance £45
flybe - credit limit £4000 - balance £3750

really need to get these down as far as i can by april before new baby is here

sutton111

just watched the x factor back on sky+ she has to be drunk and she annoying.

Sammy_Girl

fairmorn308 wrote: »

whats the best advice i can do regards to my cards?

cap one - credit limit £500 - balance £394
MBNA - credit limit £500 - balance £45
flybe - credit limit £4000 - balance £3750

really need to get these down as far as i can by april before new baby is here

The only advice really is to throw any spare cash at them and pay off asap. Whichever has the lowest APR, can you BT the others?

fairmorn308

MBNA and flybe are the same APR at 19.9% and cap one is about 32.9 %

doelani

Sammy_Girl wrote: »

:eek: You should be in bed lol

I wish , still have to iron my clothes and pack case lol