Hi all After completing our IVA we are now waiting for the completion certificate (July) and credit file to be cleared (assume couple of months later?) I want to buy a newer car later in the year. We have a mortgage and have been paying all our monthly payments for everything throughout the IVA. the...

After what seems a lifetime we are heading out of the IVA and am reliably informed by Grant Thornton that I will have a completion certificate in March or April. Throughout I have been paying mortgage, have had a car on HP and all normal bills with no missed payments or overdraft. Questions ... If I...

With 5 months to go until our last payment I want to know at what point I can "legally" apply for a vanquish (or similar) credit card to rebuild credit score, and also when I can look at replacing the shed I have made limp along for the last 4 years. I want to borrow about £3k which is well within ...

We have 5 months to go in our IVA and have just had our house valued. There is no equity (as expected) and GT (who have been brilliant for us) have confirmed we don't have any deminimis payments to make. I see 5 more payments ahead and then what? Assuming my final I&e is accepted and I don't owe any...

Confused about equity release. My IVA Comes to an end next July but I have an equity release to be sorted out. I know we won't be in a position of 15% loan to value so remortgage won't be an option. If I have to pay an extra 5K in the following year ( year 6) does this extend my IVA completion date ...

We are almost 4 years into our IVA and I am seeing different statements about duration. I believe mine is 5 years with an assessment on mortgage / refinance next February. if we cannot borrow more against the house I have been told by our IP that there will be nothing more to pay. Others on the foru...