Swansea girl, I am asking what the benefits are of an IVA over BR as the banks lump the two as the same in their reckoning. You have not answer ed the question. You are speaking to someone who use to work in credit referencing....not another hapless soul. And as for IVA giving back more to creditors...

Thats all you have to say to sell the IVA over Bankruptcy?? You have to do better than that? I can honestly tell you, that Banks used not to consider IVA and BR in the same boat! But unfortunately they are now lumping the two together.More people need to go bankrupt to save themselve.You would put y...

I am new,If you know anything about Id checks then you must know that an ID check doesn't show how many accounts you have.I know because I used to work in an credit agency as a temp.It checks who you are and where you live.THATS IT! If your point is valid then it must be supported by the credit agen...

I am strangly puzzled here?? If Bankruptcy is regarded the same as IVA from the Banks point of view, then why do people tend to prefer to be in an IVA that takes longer to finish than a one year discharged Bankruptcy?? If this website is to give IVA support it seems to suggest it should make the ben...