My iva completed 3 years ago. I now want to apply for a new mortgage deal. My problem is the one I want asks if you have been bankrupt or in an iva. Can they check this?
Have a word with either Ryan or Shaun (details under the expert link on the left hand side of the page) - they have been instrumental in helping many posters on here get a mortgage.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Hi, not sure how they check, but it is best to answer the questions honestly and up front as these things often have a habit of coming back to bite us later on.
An all of market broker such as Ryan or Shaun may be able to help as they have helped many poster post IVA.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Some lenders have access to pooled archival records (much the same as the insurance industry) to combat fraud and money laundering.
Added to this the fact that many PPI reclaim companies seem to be able to go back 35 years, there must also be some archive of credit history somewhere .... darned if I know where though.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
