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As always, hoping you can offer me some advice. Had an IVA from 2005-2010, completed it in full and never missed a payment. Got my certificate of completion at the end, all good. Since then I have had a few successful CC's, again never missed a payment, top credit score of 999. Took out a Barclays business account in 2011 as a sole trader, IVA posed no problem at all, never had a problem with any business account. Converted sole trader to Ltd company recently and applied to Natwest for business account and after waiting over a month for my account, they tell me that because I had an IVA, they want proof that I have completed it. It's so long since finishing it that I can't find my completion certificate. Got an appointment to see Barclays next week and mentioned the IVA, they too want proof that I have completed it. Nobody has brought up the IVA since I finished it, many have given me cards etc and my record if perfect. What is the point of me completing my IVA like a good boy when Natwest are going to be so prejudice? I know I could ask for another copy of my completion certificate, but I feel like I am being punished for something which is both private and also unfair as I have completed it 3 years ago. Where do people stand when they have completed their IVA's? -
We are seeing a few people report that they are receiving letters from Bailiffs in respect of defaulted pay day loans or other consumer debt. If you have received communication from a Bailiff company and it is not in connection with a warrant / fine / court judgment / council tax, can you please pop a link to your thread in this thread. We would also like to see copies of these letters - unedited - if you are happy to provide us with copies, please let us know so we can provide you with a secure / private email to use. Thank you. -
So sorry to hear this news, just lost my mum so can feel the familys pain. Sleep peacefully Martin x
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RIP Martin
