Thanks Jan for your reply

I have checked my credit report with experian and equifax both show that i have been in an IVA with a previous partner (18 months free now)I have spoken to the previous partner i was in the IVA with he has shown me his reports from both credit agencies and there is no mention of him being in an IVA ...

I obtained a mortgage whilst i was in an IVA 3 years ago at a good rate, My daughter gave me the deposit as a loan and I will pay her back after the IVA was finished which it was 18 months ago. I think getting a mortgage now is very hard to do not impossible but the apr is something like 8% or more ...

Congratulations Melanie on your nomination well deserved. You have my vote[:D]

Good Luck Andy [:o)] You were more than a great help to me when i was in an IVA with your advice over 1 year finished now. I know you will be a great help to others. This is what you were meant to do.

Yes he stated all addresses and the address that we rented together when the IVA was forst registered but the address was clear. We both did the credit reports on line with the addresses we both lived at and nopw live at but his still doesnt show the iva and he has had further credit since teh iva a...

Thank you for your prompt reply yes there are a few linked addresses together which are on the files but no link to the IVA we had

My ex-partner and i have both obtained our credit files from experian and equifax.We were both in the iva together and completed 2 years early back in July, 2007. We are both still friends and our break up was amicable. On both my credit files it mentions the IVA and that it was settled, on my ex pa...

Hi Braveb I am no expert but if its helps I like yourself at 2 years into our iva my partner & i found it very stressful and parted...My Ip were excellant and understanding our payments were adjusted and we paid our own amount each month to our ip. Over the years paying my ip like this we are now bo...

When i came home from work this evening i could see that a message had been left on my answerphone...when i listened to the message it was a pre recorded message from a company telling me that if i was in debt there is little know government ledgislation i could use called and IVA etc this message w...

Thanks Melanie - I understand

IVA now finished - Been a long old journey - I have learnt my lesson Im now DEBT free and it feels good!!!!

Melanie - What does zero tax coding mean????

IVA now finished - Been a long old journey - I have learnt my lesson Im now DEBT free and it feels good!!!!

Brilliant News Moneyclown - All the best for the future...

IVA now finished - Been a long old journey - I have learnt my lesson Im now DEBT free and it feels good!!!!

Hi Angelus - Max Recovery said Yes to mine and were very quick in replying as well.

IVA now finished - Been a long old journey - I have learnt my lesson Im now DEBT free and it feels good!!!!

For me entering an IVA was the best thing i could have done. I could have gone bankrupt but i wanted to pay my creditors back paying something was better than not paying anything back. Its been a tough old 3 half years but it has taught me something how to budget!!! and not to get in that state as i...