Hi, I haven't heard from either of them and thought I would have done by now. Is there a phone number for them?

I was a pre Harrington Brooks customer and was transferred to FJ. I personally found them really helpful and understanding during the rest of the term and even realising that I could no longer afford the contributions due to childcare costs they got the meeting arranged and all creditors agreed that...

It is possible, but depending upon a number of factors, as well as the co-owners own policies. I would suggest a chat with Ryan and / or Shaun, who are both whole of market brokers with extensive experience in adverse credit applications. Their details can be found under the "Ask a Question" tab ( ...

I would have loved any kind of holiday in the iva! We were engaged for four years preiva saving for a wedding. We had a honeymoon after as that was when we could afford it. Sorry to sound blunt but I don't think you can moan at an unsupportive IP given what you have done. Agreeing to repay for flig...

Hi Chantel, the ethos of the forum is we are to be non-judgemental so I would never judge but would urge you to talk to your IP openly and honestly about this and that way hopefully you can move forward to work towards finishing your IVA successfully. Congratulations on your marriage. Thanks. It al...

Does your husband know about the IVA? Do you include his wages in your I&E, as they would need to know about this too. Just wondering if your husband knows, why didn't you wait until IVA completed before getting married? I am not judging here, just wondered. Also I understand your need to go to you...

Hi Foggy. OK. That's great. Thanks. I'll contact Paul and Ryan then for a chat. I've been talking to loads of brokers that say they get mortgages for people with adverse credit current and past yet not one say they could help me. That's why I was loosing the will to live with it and getting to a poi...

Can you obtain a mortgage once your IVA is completed and is off your files? When I brought this house 11 years I was single and a new 2 bedroom place was perfect. I now have a husband and a 2 year old where the house just is not big enough and we're looking to upsize to a three bedroom house. The is...

Also can you put things in your application to back it up for example that you have never missed a mortgage payment or a rent payment, even when you was unemployed and that you only had access to high cost payday loans which in turn meant you got further and further in to debt, until there was a poi...

Is that 6 years from when it began or 6 years after it has been completed and you have been discharged from the arrangement?

Hi there, I had an IVA too and I put in claims with all my payday loans, some of which were in my IVA. All lenders kept a bit to settle the outstanding balances but all refunded me the difference, except for one case. They got wind I was in an IVA, not sure how and then by law they have to ask your ...

Hi Foggy, OK. That's great. Thanks for the advice. It is past the 6th anniversary so that is good. So just need to be a bit more patient then for the certificate and then 3 months after that for it to disappear off the insolvency register. Good coz my husband and I want to get a new house together a...

My credit score is very low at the moment at only 290 on Clear Score. I also have no offers of any credit available to me. All I am getting are pre paid credit card options and guarantor loans which I don't want. My IVA has been completed and I am currently waiting for the completion certificate whi...

Hi Foggy, great. Thanks for confirming. I guess it is ultimately down to them at the end of the day.

Kind regards Chantal

Hi, this is what it says. The trusts referred to in Paragraph 15 of the Standard Conditions will end when the arrangement ends (whether the IVA completes or is terminated), except that any assets or property in the Supervisor’s possession at that time will be dealt with in line with the terms of the...