Thanks Foggy I took your advice and was upfront. They are going to suggest the six months up front. I do hope he gets it. He has set his heart on this and I would hate to see him disappointed because I was unable to be a guarantor. Fingers crossed for tom

The issue is he doesn't have any credit history. They may accept him on his own due to salary etc. Do all lanlords.estate agents do credit checks?

Thanks Foggy sound advice as always.

Little help needed please. My son has applied to rent aflat. I think he is going to need a guarantor.I am post IVA there is no trace on any of my credit files my score on noddle is 5 out of 5. 17 positives. No negatives.989 on Equifax scoring is just below excellent. Im 2.5 years post IVA I have a c...

Thanks Hubert. I read the posts on here religiously before taking that final step to enter an IVA. The moment of truth came when my young daughter wanted ten pounds to buy something and I just didn't have it because I was trying to, unsuccessfully balance everything. I literally cried and that was m...

Thank you for this. Me too. Duly filed under B.

Thanks foggy kallis you have no idea how much this site has meant to me the support and advise has kept me sane. Especially since creditfix took over from PJG I think that was the lowest time ever. But I need not to have worried. Creditfix were brilliant and extremely approachable and sorted everyth...

I just want to give a little insight after IVA has finished. I did an F&F back in 2015 which was my 5th year and basically paid off the extension. Waited as advised for 6 years all defaults etc dropped off my credit file. I now have a current and savings account. Credit card and today I applied for ...

Did an F&F last year. Received completion certificate. Credit file now all clear of defaults etc. I then receive a letter from a company stating that they have bought over my debt acknowledge that I was in an IVA and they would contact Credit fix to receive future payments. What is going on here. Ho...

Thanks Kallis

IVA completed last year on a F&F due to drop off credit file next.month. 6 years. Why are some of the companies still defaulting. The actual default dates are there or there about. Will these automatically drop off after the 6 years. I'm looking remortgage. Any help please. Thank you.

3 months to the exact date at midnight. It's gone. So happy. Such a relief to not see my details on there

Thanks a million Michael. They also state they will contact the credit reference agency. Will tHis effect me. Paid an F&F 6 years up next june

Letter from the Natwest collections dept asking that I call them to make arrangements to pay off my loan. IVA concluded with them in it. And I have my CC . Any advise welcome. Thanks

That's a relief. PPI was never an issue really. More than happy to allow. It was and is always my intention to pay back as much as I could. An Iva was the best thing I ever did.