thanks for the reply. i went through an application today, and it didn't specifically ask other than current credit history defaults. whether that then flags me up i don't know. For me, if it doesn't specifically ask, I will not tell.

...forgot to mention that the IVA process started in 2005, so I'm not sure if the 6 year period before it clears from my file is from the start of process, ie 2005, or from the completion date of 2008. Thanks to anybody that can help.

Dear Sir/Madam, I cleared my IVA in 2008, and have worked very hard since building my credit profile and saving for a flat. I do have a credit card theses days, which is cleared down every month and I am now in a position to apply for a mortgage. I need advice on whether I need to declare that I was...

I have a date with the employment tribunal for next month as my ex boss will not pay me now. I know if the ruling goes in my favour i will still be out of pocket as there is a statutory minimum which wont cover my claim for the month i worked and the month im due as per my notice period set out in m...

Thank you all for replying and thank you particularly Melanie. It's been a while since Ive posted on here but as usual your input is always greatly appreciated.

Hi. I came out of an IVA a few years ago thankfully, but am in a potential real sticky situation. Ive been made redundant at the end of January from a 2 man company(me and the boss) id been working for for 7 months which unexpectedly closed its business. It was written in my contract that any servic...

Hi all, Finally completed my IVA with a full and final settlement at the end of March.In total creditors got a 48p in the pound settlement. Just wanted to say a very big thank you to everybody connected to the website and for the people who so efficiently answered my questions posted here. I had nev...

sorry to ask Melanie,one more question...am i right in thinking that there is a charge for a creditors meeting for a full and final settlement?(im sure ive heard something like this.i dont have my IVA agreement to hand).
thanks again

thanks for the very quick reply melanie

Hi.Ive just made payment 32 of my IVA,no problems so far and all rules and requirements have been met.I have a question with regards to full and final settlement.Ive had a very generous offer from a family member to settle my debt in 3 months time due to a windfall they will recieve in 3 months.im l...

thanks for the replies peeps.much appreciated

i recently completed year 2 of my iva and so far so good.extra payments have been made where appropriate with bonuses and wage rises,but there is possibly a cloud on the horizon.i think in around 6/7 months time my job will go and i will be made redundant.i've been in the job for over 4 years.i thin...

thanks for the prompt replies

ive been in an iva for almost 3 years now and so far everything has gone fine.ive been doing a fair bit of overtime recently for which i am to be paid this month.ive complied so far with all bonuses(giving half the cleared funds into the IVA),but recently my dad became ill and has had to stop workin...

it does.thank you