Ryan I am currently saving a deosit but my partner (who wasnt in my original IVA) wants a new home. Can the new Goverment scheme help us as we have saved around 5% to date or will we have to save a further 5% as you have indicated.

Kelly Would really appreciate if you could let us know if it all went through as I am hoping to get on the property ladder this year. Like you all I to have a credit card from Natwest and yes the interest rate is normal and the credit limit is over 5 K ive had it a few months and my balance is zero ...

Ryan Yes I was in an IVA but it now has been removed from my file I am this year considering getting a morgage with 10% deposit my partner however was not in the IVA so she is clear we are both full time employed and have a good employment history the only black mark is the former IVA Hence the post...

Hi Please can you provide advice on my case, I obtained an IVA in Feb 2007 but sold my house following divorce in July 2007 subsequently recieving my Completion Certificate then. My IVA came off my credit file in Feburary of this year with just one more incorrect entry to sort which Im in the proces...

Hi I have been completed on my IVA via F&F for 3 years this year and the IVA has been removed from my credit file. I am considering a Morgage however there is a question on there relating to an agreement with creditors (i.e IVA) as the IVA is off my file settled and completed for 3 years do I need t...

Hi Just a post for those of you coming to the end of your IVA and are looking to check your credit files for the clean up. As you are aware there are 3 credit reference agencies Experian, Equifax and Call Credit each charge between £6.99 - £10.99 pcm however I have found a seperate provider that c...

Hi All I have a Vanquis credit card £500.00 credit limit when I recieved it, it took me three months to build the courage to use it I know it sounds daft but still gulp every time I tap the pin number in even though the balance is zero. Also when I first used it I paid the balance the next day. Now ...

Thanks for the prompt response does anyone on here know typically what the current interest rate is around as the standard is between 4-5% this will allow me to evaluate what I can actually afford. Also will I have to disclose my iva for the rest of my life

Hi please can someone give me some advice:- My iva will be hopefully dropping off my credit files Feb 2013 after 6 years I am building my credit score with a vanquis card.However, after the IVA is wiped off my file I am planning on getting a morgage but have read I have to disclose my previous IVA ....

Hi Thanks everyone for the comments it seems it will take a while to get on the straight and narrow after completing an IVA. I have updated my file with both Experian and Equifax and to be honest never saw the IVA even in the court section. I did have a little work on my defaults which are now marke...

Hi guys thanks for the response however didnt quite answer my query robably my explanation. My IVA started in 2007 therefore will it TOTALLY be wiped off my credit file in 2013 (subject to some minor tidyin) Or will it totally come of 6 years after the satisfaction date (2010) As Ive read the IVA ag...

Hi there just a small question after reading various forums im confused, extremerly confused :- Here Goes--- I entered into an IVA some 5 Years back the Iva completed May 2010 and the six year anniversary will be Feb 2013 (not long to go) I was of the understanding when entering the IVA that it woul...

Hi Please can you help / comment on this anyone. I entered into an IVA some 5 years ago as most of our debt was in my partners name she was depressed lost her job etc and when I queried her going bankrupt I was advised they would take the house (me my wife and at the time 5 yr old daughter) I was ad...