I can’t believe that I make my 18th payment into my IPA on 30th November.  That’ll be halfway, and I feel as if I’ll be on the home straight after that. 

To be honest it’s going really quickly, and despite the credit crunch we’re still managing.  I thought I might need a payment break last week - I hurt my neck and had to go to the osteopath, but luckily Dave lent me the money and I only needed to go once.

 I did find out what I need to do if I need a payment break though - I need to provide Clarke Willmott with proof of the reason I need the break, and then they will consider it.  This would have caused a problem with the osteopath as I couldn’t get proof without going, and therefore borrowing the money, but hey ho, where there’s a will there’s a way!  I did ask what would happen if they didn’t approve the payment break as I would have borrowed the money, but I couldn’t get a straight answer.

To be fair to Clarke Willmott, every other time I’ve had to speak to them they’ve been very helpful and have sorted out any problems I’ve had very quickly.

I seem to be getting there slowly with my credit files.  The list now reads:

Barclaycard - they have sent me a letter confirming that they have removed their entry from my credit file as they have sold the debt to Max Recovery.
Callcredit - they have written to confirm that they will remove the second BR from my file, and I can have a free copy of my credit file to check!
Equifax - they have confirmed they have removed the alias from my account.
Max Recovery - their solicitors Eversheds wrote to confirm that they have updated my files (they bought the debts from Barclaycard and Virgin MBNA) and they have written to Barclaycard asking them to remove their entry.
Next - being a pain in the bum!  They wanted proof that they were included in my bankruptcy.  I sent this to them and haven’t heard anything since.
Tesco Personal Finance - I haven’t had a reply.
Egg Card / Egg Loan - they never replied to my letter but updated my files
Littlewoods - file updated
Natwest - see Egg

As I have to give the companies 28 days to update the files I’m going to order all 3 credit reference files in the New Year.  If any entries are still wrong I’ll go straight to the Information Commissioner, but fingers crossed I won’t need to!