Hi, here's my story for those of you about to enter an IVA. i ran a small business and managed to amass a huge debt to hmrc, credit cards and a couple of suppliers £180k!. i had equity to release but due to hmrc issuing a Ccj without warning my chances of remortgaging were scuppered!!. on the arriva...

Thanks for your help shaun, i have just emailed you at'shaunv at equity-online dot co dot uk' with my contact details and an out line of what i require. have a look and let me know what you think.


(email address edited to prevent "bots" spamming it)

i check the reference agencies regularly. credit expert is great apart from the obvious reference to the IVA. experian however shows lots of adverse information.

registered 18/10/2010. last payment was in september, so guessing the credit files will update over the next month or so. i dont need to remortgage immediately. but would like to know my options.

I have just completed my IVA and i'm keen to move off the standard variable rate mortgage i have with santandar. has any one had any success with post iva mortgages. tons of rubbish on google.

whats the likely hood of getting a decent mortgage rate after iva has completed. i currently have a S.V.R 4.4% and could do with reducing it to get the mortgage paid off quicker

just made my last contribution and i'm waiting for my completion certificate...yipee. i am now keen to get off the standard variable rate and get a better mortgage rate. i have checked credit expert and all looks very good. equifax on the other hand has history going back 10 years and doesn't look g...

i'm 5 yrs in to iva at £2350.00 pcm all up to date. due to equity release not being as much as hoped (actually zero) my IP has requested a variation of an additional year at £2350.00. hmrc have rejected as the sale of my house would provide 50k and an additional year only 28k. my IP has asked them t...

my IVA was due to end Oct 2015. there was a provision for a 10k equity release, as this was not achievable the iva is set to continue for a further 12 months at the normal amount of £2350 pcm. seems a little unfair as 10k would of settled it this year. unless i've not read the agreement correctly

I run a ltd company and i'm 2.5 years in to a 5 yr iva. my invoice factoring company have offered to pay off my iva. i assume it gives them more security on me personally. my main debt is hmrc. is it possible to end early and would hmrc take a reduction for a lump sum. they insisted on 100p in the p...