I've finally got the Experian credit report back and note under Public Record Information the IVA showing start date of 21-08-07 and end date as 00-00-00. Does the IVA remain on the credit report until 6 years after its inception? Should I be waiting until 21-08-13 before pursuing this? I am certain...

The law surrounding the family home is quite specific and you really need to talk to an independent solicitor about it. Not sure that you need to establish an intention to create legal relationship when splitting property post divorce. This, to my knowledge, is really an issue for unmarried cohabita...

Just to add my bit to this - I completed my IVA in November 2012. My CC came through shortly thereafter. In February 2013, I approached one of my former creditors re a PPI complaint regarding one of my former loans. My complaint was upheld and I received a cheque directly from that bank in settlemen...

Also, I am now being asked to scan and e-mail my passport and address details.

It almost feels like a 419 scam without the lulz.

Thanks for the response - appreciated :) Interesting and informative article. By way of warning for anyone interested. I just went through the online process with Equifax: entered all details, card payment etc and was subsequently requested to call an 0844 number to complete the transaction. Spent 1...

Hi, First and foremost, thanks for the wealth of information on this site from all contributors. It provided me with a valuable resource before and during my IVA for which I am grateful. This is the first time I have raised my head above the parapet to ask a question. I completed my IVA last year - ...