font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by hubert When you obtained your mortgage, did you mention the IVA during the application process? It was the first thing I told them. I applied to a small building society though who used human logic rat...

Thanks for the responses guys. I may give it a try applying online at some point and let you know how I get on. It would be lovely to be able to 'forget' about the past at some point and not have to fear that blummin question after years of squeaky clean living!! I guess credit isnt a certainty for ...

Hi all, Has anyone switched bank accounts to an old creditor included in their IVA? My IVA finished early in 2009 and came off my credit files in 2012. Im thinking of switching bank accounts to Lloyds but Lloyds TSB as they were then were included in my IVA...so im wondering if this is possible?.......

I got the keys to my new house 3 days ago [:)] My IVA came off my credit reports 18 months ago and I approached a small local building society direct with a 15% deposit. I was completely honest from the start with them about my IVA and they approved it on their 'normal' rates (a 3 year fix at 3.29% ...

Hi Steve.sjw Im in a similar position (although I havent applied yet!!) I believe that many of the mortgages obtained for ex IVA have been done via the Halifax...but sadly they have very recently changed their lending criteria to ask the dreaded 'have you ever been in an IVA' question Ive been told ...

I couldnt agree more hyperdrive. To be honest I was gobsmacked by the response of one member earlier today and was about to type a supportive response to Ox when the thread was closed.

Disappointing to say the least..

Thats brilliant news[:D][:D] Did the offer from Nationwide never materialise..or did you end up going via a broker to get the long offer up to December? So pleased for you..Im hoping to be doing the same in a few months, so posting your experience is invaluable to people like me in a (hopefully) sim...

Kelly, Im another one who is following your posts with interest and awaiting the positive outcome!! Im also hoping to be back on the property ladder in the next year so Im keeping everything crossed that it all works out for you )

I sold my house whist in an IVA in order to offer a full and final settlement. Its a rather chicken and egg scenario as you need a firm offer to enable you to know how much you can realistically offer creditors. There were no problems with the sale at all from my side of things, the restriction was ...

Did you not realise that there had been an overpayment before you sent all your details off?

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by TheMatrix



Try ING Direct, I hear they don't ask the question

It looks like the ING direct UK savings and mortgage business is being sold to Barclays so I dont know if this changes anything[B)]

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Ryan Hi, If your credit report is clear from the IVA, then you are able to obtain a mortgage with only a 10% deposit at high street interest rates. Sorry Sponge, you do not know what you are talking ab...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by KM1512 After being in an IVA for 5 to 6 years all we look forward to is the completion certificate that says we are free it is like a get out of jail card and now we could be waiting up to another year...

Hi Holby I had a similar situation last month while checking my files. I entered an IVA in March 2006 and settled with a full and final in Sept 09. HSBC had put a 'partially settled' marker on my file when the funds were distributed in Jan 10 and I was worried that this meant it would sit there unti...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Kelly O Ive had reason to speak with the information commisioners office recently about default notices and creditors are under no obligation to mark default notices as ‘settled’ or ‘satisfied’ and the...