Hi guys, a bit of advice please ;-) My IVA was paid out of with F&F in 2014 the 6 years is up in April 2018 so Ive been checking my credit report regularly. my IVA shows on all of them but one from call credit shows a Halifax Loan in default from 7 years ago but only shows the last 4 digits of the l...

Hi guys I am after advice for a new mortgage after an IVA. My Iva 6 years ends in April 2018 we have £42K deposit and are looking at buying through a specialist broker for around £215K @ 5% rate due to the IVA. We are currently renting at £900 p/m so the logic is mortgage @ £1000 p/m although not id...

Hi I have completed iva with f&f 2 years early due to end April 2017 and have had to move due to new job and can't find any agents to except me to rent as iva is found when they credit search me us there anyway of updating it to show complete on my credit file as still shows default and is probably ...

Hi guys, I have been in an IVA and paid a F&F settlement last year and the original IVA was due to finish in April 2017 and have now been paid out for a year. During the last year things have improved greatly, new job new house etc. Due to my new job I had to move into a rented house closer to work ...

Hi I have paid off my iva in january 2 years early with f&f payment straight after I had to move with my job and so rented my mortgaged house to a family friend and had to rent a new house locally which proved a nightmare as iva register still showed me on it and many estate agents would not rent to...

Hi I have just paid out my IVA 2 years early with a full and final payment of £5000, the iva company told me to do a ppi claim again which i have done even though I claimed it all back mainly from the halifax for loans before the iva and was paid out around £1600. I have now been advised by the ha...

Thanks for the advice, we really want to move (for family reasons) and have been told that we can move our mortgage at the moment which is 8 years old (port it) to a new property with our existing lender and use the equity as deposit but in reality we would still need to borrow but no more than 85% ...

Hi Im in the process of paying a Full and Final payment to end my IVA 2 years early, I have a mortgage already and wanted to know that if I already have a mortgage would I be able to get another or port the mortgage or do I still have to wait for 6 years of the start of the IVA before I can borrow a...

how do i find the mortagage brokers on the site? Thanks for all your help and quick responses very much appreciated

Thanks for the quick reply ;-) I wanted to know if the F&F is accepted do they complete the IVA within a set period of time or can it vary, Im not sure if the IVA still shows for the usual 6 years or whether my credit report goes back to 0 once is been finalised? Do you think I have a better chance ...

Hi Ive been in an IVA for 2 years 7 months and pay £100 a month with payplan. I have offered them £5000 as a full and final settlement to end the IVA early as we are desperate to move due to family issues/conflict with ex's etc and my mum has offered the money on my behalf. They have said it can t...