The CCJs will remain for 6 years - only you time you can settle these early unfortunately is within the first 30 days of them being issued - and only then when you pay the full monies back. If you think these should not have been placed there - you can challange them - but it cost money. The form et...

Use a comparison site - it will give you some idea who does this type on insurance. ie Go compare/moneysupermarket or you can use a insurance website

If you havent already, try Nationwide. At least you can do this on line.Your likely only to get the basic account,(Flex basic) its fully functional and come with a debit card

Information from Experian - suggests Repossession stay on credit file for 7 years, dated from the 1st missed payment leading to repossession

https://www.experian.com/ask-experian/2 ... -time.html

Try the ICO - they will also have a list of Data controllers at each Company as well https://ico.org.uk/ Try typing in default on credit file in their search box "The default date must be consistent with that of the CCJ/bankruptcy or IVA; therefore a default should be filed as being no later than th...

Perhaps i am reading this wrong - but you say your IVA ends 20/April/2016 - is this you last payment ????, if so,your IVA is still active until they issue a completion certificate and there will be a restriction on your home

There is a discussion on this forum - that reposessions stay 7 years on credit file -


https://www.experian.com/ask-experian/2 ... -time.html

7 years according to the link

https://www.experian.com/ask-experian/2 ... -time.html

I would seriously consider - if you havent already - demand to speak to your IP direct.
No one should be expected to do without heating or hot water

There are a few companies around that let you rent the boiler out.

There a couple of links - hopefully you may find them useful

http://www.theguardian.com/money/2015/j ... buy-boiler

To get a CCJ removed - you would have to have good reason - it would cost money and it has to be done through the court systems - there is a separate register for CCJs

https://www.gov.uk/county-court-judgmen ... t/overview

The CCJ will remain - until 6 years after it is added. The IVA does not take over the CCJ - but prevents it being enforced as the debt is included

No in a word - although complete your IVA and defaults will remain there for six years - so getting finanical product may be problematic.
Dont forget a credit rating - is just that, its meaningless - each lender will set their own lending criteria.

Best of Luck !!!

Sorry Lisa - I wasnt challenging you - its just what i have read.

How easy is it for a IVA company to stop a CCJ being applied for ? - i also suppose this has to be done in a certain time frame ??