Hi

Our IVA completed last May! Hooray!! However we are now thinking of buying a house but are still getting defaults registered month after month from companies who bought our debts during our IVA. Is there anyway we would get a mortgage?

Also it doesn't show default dates, everything is just missed payments on the accounts that are being settled under the IVA

Thank you. What worried me is we done some compare the market insurance quotes, one quote left 38 searches on my file!

Hi everyone

Are there any people out there with credit score knowledge. I've checked mine on credit expert and its 803 out of 999? My IVA started on 9/8/11 but now F&F has been accepted I want to prepare rebuilding my score. I know most should go at 6 years.

Thank you everyone. I never want credit again! We will need a new car in a couple of years or so but I intend to save for that. We will need to repair our score but only because we may move in the future. I don't regret going into the IVA although at times I wished I hadn't. I'm going to write a blo...

Hi Nigel. I'm so sorry to hear this news. I have just had an F&F accepted with payments made to date. I was 3 years and 9 months in but hadn't been able to make a payment since January. I would recommend you speak to your IVA company and see if you can do the same, rather then relying on the house s...

Congratulations Starbucksqeen. So pleased for you, the feeling is amazing isn't it! Feels like a door has been closed on a big dark cave....just waiting for the CC and that will be like locking the door and throwing away the key!!

Thank you Luluj, Lisa & Stevie. It's silly little things like not having to save, scan & send every payslip that I'm glad of!

Thank you Andy, Greg at CF thinks it will be 2 weeks for CC but I believe it would be longer. He says it's straight forward so should be about 2 weeks. Once we get that I will get experian reports etc. it will be over 2 years before everything starts to come off the file but I want to make sure it a...

Thank you Steven1001 and Thank you Starbucksqueen, I'll be keeping my fingers crossed for you xxx

Thank you Michael. It was 3 years and 10 months and I paid back 29k!!!

Congratulations Fisherman! Mine was accepted today too. 4 years in. I applied last August when with PJG and now with Creditfix but Greg has been fantastic!

Yeeessssssss it was accepted - we are now debt free! Creditfix have passed to closures and said our CC should be with us in 2 weeks. I must be one of the happiest people to be moved from PJG to Creditfix. Greg in their resolutions department has been so helpful!

Thanks Steven1001. I wonder if they will call me or anything, the meeting was 3pm

Thank you Lesley. Just over 10 minutes to go....biting nails off now!!!