i did a settlted mine after 2 years and tried for a mortgage, i have now only been accepted and this is because my iva came off my credit file in january

yes they stay on for 6 years

human instinct is to look on the negetive, just look at review sites like trip advisor, its human nature to leave a negetive review but not many leave a review when something is positive, i am sure youll be fine and wish you all the best

i know its hard not to but dont worry you have done the right thing and its not your problem now its now your ip's problem to sort out, easier said than done but dont worry, now your in an iva your protected their is nothing your creditors can do

do the frugal friends meeting still take place i remember going to one just outside of bradford i think in 2006 0r 2007 and both meliane and andy were their and i think skippy as well?

i would be truthfull, you never know due to change in circumstances creditors could agree to accept your iva is complete by what u have already paid

This needs pointing out as i made a very silly mistake in septmber. Knowing in september that in January my IVA was coming of my credit file i was as always doing everything possible to increase my credit rating for a mortgage. So i took a pay day loan, i didnt need the money, i borrowed £150 and 6 ...

some time ago some one explained to me that that their is a loop hole with iva as long as 6 years and iva og your credit file you no longer after declare it but their is a trace of your iva for 8 years on your file, what is different if you have been BR you do have to declare it and alot of high str...

yes i did a ff and payments had to be met not only until it was agreed but until i paid the ff, if you stop paying your iva will fail

it will go off automatically 6 years after the date you entered your iva, but their is still a trace on your credit file for 8 years

santander gave me a basic account and within the first 12 months they upgraded it to a visa debit account

you have no need to apologise, yes it was not nice but equally everyone as a right to view their views, but it might also be my fault for not cleraly explaining

can some one tell me how to add a photo so i can show the twins

Hi Melaine great to hear from you. I will get an update photo of you in their school uniform i think last time you saw the photo they were about 1. For those who have joined since i was james.c melaine helped me agreat a deal and even got involved with my IP to sort it ou, as soon as i mentioned mel...

6 years but a trace will be shown for 8 years but should make no difference after 6 years, depenfs how close an underwritter looks at your credit file