It’s odd this came up here. I completed my iva a good few years back, removed from credit file etc, nice new clear file. Yet in the post today what arrived, yep a letter from these guys stating they had urgent financial information for me, hhmmm how did they get my address etc...from my iva days I’v...

One piece of advice I was told was my credit file had to be clean, best practice to get that clear even if that means waiting a couple of years until it's done, if there's anything on there negative it stands a chance of being declined and getting a mortgage declined isn't great. I wasn't told what ...

Oops didn't realise I had typed so much lol!!

Its more the mortgage he sorted my pre-approved with Aldermore, but its great to know when we come t review it shouldn't be an issue.

Hi all, really sorry I'm lousy at updating things since I finished my iva ive tried to live off the internet. Its a bit difficult lol! I should start with an apology to Mike at Ryans firm, he was a massive support and did loads of work for us but in the end we didn't use his services we did try and ...

I've had small amounts £45 upto £80 returned but no terms or conditions, I just banked it and spent it.

Hi, I went through Ryans team at zebra money, my mortgage has been pre-approved and today my actual application went in, fingers crossed it will all work out. I can't recommend Mike at zebra enough as he has answered all my emails promptly and honestly, and hopefully next time I update I will be wel...

Thanks Pod_moo yep its been great to go through this process and come out the other side.

Normal life whatever that is, is possibly on its way will be nice to have a house and pay my own way, will give me somewhere to retire too.

Thanks Lisa, we are Birmingham based, need to use one on Aldermores recommended list.

Found one in Coventry and one in Worcester so not too far away from Birmingham!

Well the offer was accepted! need to update my blog about all this as its been a mission but without mikes helps I'm guessing wouldn't of been possible, next to find a solicitor!

Put an offer in, waiting to be accepted! Avoiding the other estate agents, just wait and see, other half is already looking at cookers and fridges etc...

Very!! We have found another house not as perfect as we wanted but cheaper and a different estate agent, off to look now, fingers crossed!

They put a house on zoopla Monday but they had sold already Friday, wasn't impressed at all.

Regardless of what happens will be sticking with Mike at zebra as they have been great so far I'm a strong believer in loyalty especially as I'm a villa fan!!

Spoke to the estate agent today he told us the house we wanted has gone, but we need to be in his "A" list only way to do that is have a mortgage advice session with there connected bank, turns out its countrywide I explained I doubt they could beat the deal Mike at zebra got us, but have agreed to ...

Yep we have thought of that, the small print states the solicitor has to claim the money back from the govt once funds transferred to the mortgage, this can take up to 8 weeks and add to the completion time, plus tbh we want/need a house this year due to age and paying off before we retire! We are o...

There was a review of my bank statements looking for any extra income but no income/expenditure review as the iva was over. If I remember correctly it did take a while to complete due to one of my creditors hadn't took the payments when they closed it all I had a refund only a small amount. On the m...