I personally would look elswhere for your banking -

Nationwide have soften their approach to IVa to - you can apply online and you get a answer usually within a few minutes

You may have to write to each company - requesting they remove defaults to the start of your IVA. You need to write to the Data Contoller - the address you will find on the ICO website The mortgage defaults will be diffrent and they may have to run a full 6 years before they drop off - the fact you ...

When did you IVA start ? Has it finished? do you have the certificate?
All you defaults will remain on file for at least six years - from the start date of your IVA

Unless i am reading this wrong - but you have negative equity ?? - which may prove problematic.

Why dont you speak to the Mortgage brokers on here - Ryan & Shaun for some information on the best way forward

It doesnt matter - who the debt was sold onto -the obligations to that debt remain the same. The buying of debt happens all the time - and as far as I am aware - there is NO legal obligation to tell you this. You can make them aware of he IVA - They may be unaware of the IVA - however this IVA WILL ...

The IVA doesnt cancel out the CCJ - which will remain for six years after the date of issue.It should drop off after the time Only time you can satisfy/remove a CCJ - is within the 1st 30 day period - and paying the full amount. Otherwise it will remain active for the full 6 years. You have you appl...

2017 it will fall off your credit report- give and take a few weeks.
It is your responsiblility to ensure you credit report is accurate.

Until that certificate is issued - you are still bound by the IVA terms. Depends on how much PPi you got back - will determine the routine taken My understanding the court has only agreed recently to move the IVAs due to finish to a closure stage - you may be expected to comply with supplying them i...

Doesnt the 10 % rule applied to overtime - and pay rises are deal usually at the end of the year ? - if this is the case then this sound correct. The the OP should check his own proposal/own IVA company to find out his own position

Yes - check your proposal, it should explain how things work regarding overtime and pay rises

Wait till you get your completion certificate - then all the money is yours.
Your are still bound to the IVA until you have that certificate

There are some letter templates - somewhere on this site that you may find useful - perhaps someone can post the link - if they can remember where they are.

And unfortunately its you that has to deal with the defaults on your file NOT your IP

Ok so the default should be dated to the start of your IVA. So you may need to write to the DATA Controller at LLoyds (NOT CUSTOMER SERVICES) the address you will find on the ICO website. Requested the default to be dated to the start of your IVA - give them 28 days to comply - IF not make a formal ...

When did you start your IVA ?