I'm happy I'm able to come back and write this post after being a member of the forum since 2017. Ten years ago I was looking down the barrel of huge debt and an IVA was the only way out. The prospect of owning my own home were bleak. I completed my IVA in 2019 and began repairing my credit report a...

Evening All. My IVA began in Sep 13 and was completed last year. On tidying my credit reports I found one creditor Virgin Mobile had defaulted the account in December 14 a year and a-bit after the IVA began after much chasing through Equifax they marked it has settled in December last year but it st...

Yes thank you I’m in touch with Ryan’s team so fingers crossed they can tell me what need to do get myself in the right position.
Thanks for everyone’s help so far

Thanks Foggy I’ve dropped them some emails.

Hi, I’d like to get some proper advice on obtaining a mortgage. I paid my last payment last June and my official completion date was 04/10/19. I want to look into what I have to do to get a mortgage. I have a 20k deposit which will be gifted by my Mum. I have to possible options to buy I can try to ...

<t>Hi, wondered if anyone could give me advice my last IVA payment was last July my final completion date was 4th October. The IVA no longer appears on my credit reports. I want to get some advice on taking out a mortgage in the next six months. I’ve got. 20k deposit gifted to me by my Mum I potenti...

My IVA completion papers came today a huge relief after six years.
Just wondering if the Insolvency Register gets updated from current to complete for the three months it takes to come off fully and if it does how long does this take to show up

Thanks Foggy. What legislation does it fall under if I want to read up and how long does creditor get to respond surely it has a time frame. It’s so frustrating

<t>I am waiting for my IVA completion cert but advised they are waiting for proof of debt from a creditor first gave them 14 days, then five days where the creditor said they have posted now the creditor has been given three more days. Is this reasonable surely six years on they have had enough time...

I've spoke to credit fix and they have advised that the new agreements would be accepted by the creditors although I wish I hadn't signed now I have im assured it won't affect me in the duration of my Iva. My last review isn't until next Sep so they have said there is nothing for me to do until then...

<t>My Iva has been transferred to credit fix from Knightsbridge. I've signed the agreement for their 23% increase worried about it now. Has anyone has experiences of this were creditors ok with it, what happens if creditors do not agree? Scared of it failing as I am over four years in and can't bare...

Just recently been told my Iva has been transferred from Knightsbridge to credit fix. I'm over four years in with my final review soon does anyone know how the review works with credit fix and what they ask for as I know it differs per company.