Hi everyone my partner and I are just looking for some advice . We were both in IVAs. Mine settled in 2019 but doesn’t come off credit score until 2023 and my partners hopefully being settled on Tuesday ! We want to eventually buy our own house . Would we have have to wait until they have dropped of...

Thanks for getting back to me guys . Money has been secured . Let’s hope Covid doesn’t hold up the arranging of meeting of creditors 🤞🏻I know how happy I was to the see the back of my IVA ! Out of interest we are offering 10k and she has just under 3 years left @£278 a month .. that’s a got a good c...

Hi I’m writing this on behalf on my partner. Her mum has offered to get a loan to pay off the remaining balance of her IVA . Is her other allowed to do this ? Could she wait for the result of the meeting then get the loan or do the funds need to be sat in the bank waiting?

My landlord has already said he will write me glowing references as I made Him aware of our situation a few years back when all this was happening and we never missed a payment during it. So maybe that would be enough to sneak us through the door so to speak ?

Hi everyone. Haven’t been on for a while as life is returning back to normal after completition !! We have to move in April to another rental accommodation and it’s now getting me worried about what’s going to happen? My IVA is completed (full and final ) and my partners is active and going well. Is...

I suppose If I waited the four years until both IVAs are gone we could have sizeable deposit and more options. Thanks for the info

Hi, I entered into and an IVA 2017 which I managed to close in July 2019. My partner is still in a current IVA which ends in approx 3.5 years. My question is do we have any options regarding mortgages? I know my parents are willing to help us and I am saving money at the moment and am Hoping to have...

I haven’t been in and IVA since April Last year and recieved my completition certificate in July. I was looking at possibly financing a car through a broker and apparently in their system it’s showing that I’m in an active IVA . Is have checked register and my name isn’t on there ? Any ideas why thi...

I would suggest a word with Ryan and / or Shaun, but would think a guarantor mortgage would be prohibitively expensive. There is also the question of your partner's A) Ability to join the mortgage due to her IVA (taking on fresh credit) and B) Possible ramifications regarding her need to release eq...

Hi all, my IVA finished in April via full and final. My partner is in the 2nd year of hers. We live in rented accommodation and thought that we would be settled here for the next few years while we get ourselves back On straight and narrow unfortunately we may have to leave this property. Since I’ve...

Tue Sep 03, 2019 2:17 pmFoggy wrote:

Hi Pigger -- the full balance is shown on what ?

If I sign into my account with the creditor .i signed in to see if they had shut my account down yet and enquired why it still showed the full balance was remaining

Hi all, My Iva was completed on 1st July 2019 via F&F I have asked one of my creditors why the full balance is still shown and my account not closed down. They have told me that they have recieved no final dividend payment of my Iva company so are unable to shut my account . Is this normal for them ...

Hey all, I’m not longer in IVA and I’ve had completition certificate but I still have 3 years left before the data drops off my file. I have been accepted for a card which I intend to use 20/30 a month and pay it in full. My question is is this really worth it Now or wait until everything drops off ?

My Iva is over paid by F&F. The balances on my defaulted accounts have gone down considerably but shouldn’t they all be saying settled ? I’ve had completition certificate etc

Hi my IVA is officially over! It ended early via F&F. My question can I start taking steps to rebuild my credit file or will I have to wait until the 6 years is up?