Hi - the IVA should drop off your credit file six years from when the IVA was completed. So Feb 2012. The iva can cause problems when renting because of the credit check. Offering a bigger deposit, six months rent in advance or a guarantor can all help. Plus I'm sure your mortgage repayment history...

The one thing you never forget is the court date as you just want to hear if the IVA is accepted and this was Feb 2006. The satisfaction date that also appears is a bit of a mystery but I guess this is the point where everything is completed to the creditors satisfaction. In which case I assume the ...

Hi thanks for the quick reply. Given that it was five years ago I cannot remember when we received the completion certificate or in fact where it is now! Should we contact Unity now Tenon I believe and ask them? Is there a general rule ie is it the date the IVA is approved which I assume is the cour...

Hi all, My wife and I both entered an IVA in Feb 2006 and completed it immediately as fortunately we were able to remortgage to clear the debt. However I have just checked our credit rating with credit expert and there appears to be 2 dates. One shows completed Feb 2006 the other a satisfaction date...

Thanks for info. I have just looked at the Co - Op website and they appear to have withdrawn all business accounts apart from the FSB option? Does anyone know why this is or? Just wondering if anyone else knows of a bank that allows business accounts and or personal accounts for those that have fini...

Hi, My wife and I went through an IVA together in 2006 and opted to pay in one lump sum rather than over 5 years. My wife wants to set up her own business and have a business account maybe as a sole trader initially and then probably have a limited company. I settled for a treasures account about 2 ...

Hi all, I know many people use this forum to find out about IVA's pro's and cons and also actually going upto the stage of completion etc. However one thing i think would be very useful is to start a topic for those that have completed their IVA's. Personally i would find it very useful to know thin...

Hi, We completed our IVA around 18 months ago and our 2 year fixed rate mortgage which we took out to complete the IVA is due end in January. Has anyone had experience of getting a new mortgage after a completed IVA or got any idea how much extra in terms of percentage we should expect to pay above ...

Hi, I have just completed incorporation of my business but have now discovered that opening an account for it is a nightmare. I completed an IVA 18 months ago. I have tried Natwest and although they said they might be able to open an account there is no debit card which for me is essential to pay on...