The issue is now my mortgage will get declined and its like my 6 years have been refereshed. Would the creditor move the default back to that date even though they were not included in the IVA

The issue is its showing on my credit file as unpaid. So not showing as settled as they were not included in the IVA.

Would i now have to clear that debt.

Will they backdate it to the start of the IVA.

Thanks for replying foggy.

Hi, I need some help with my IVA thats complete. I started an IVA in March 2018 and made a full and final settlement in 2019. I have just received a letter from Klarna stating i owe them money. I had a debt with them before my IVA. The debtor Klarna was not on my IVA for some reason and i did not kn...

Hi, Really happy for you and its great reading positive posts like this. I myself am in an iva and ever since the start have struggled to find answers to how i can get a mortgage. My IVA started in March 2018. I settled the IVA in August 2019. So it will be 2 years since settling August this year. I...

<t>Hi, <br/> I started an iva in 2018. I settled this within a year as i found i was misold the iva. <br/> I have found that my best chances of getting a mortgage would be to wait until it has been settled for 3 years. <br/> My main question is what kind of interest rates am i looking at. Or if it i...

<t>Hi, <br/> I have an urgent question in regards to my IVA. I am currently in an IVA with Hanover insolvency. I have paid been paying 111 for the last 15 months and now my mum and dad have agreed to give me money to pay of the IVA, the money being solely for the iva and for nothing else. I currentl...

Hi again, i am now 1 year into my iva, as shown above in my previous messages plans did not go as expected. i am now still in an iva and wanting to move out with my partner and get a mortgage. Is there anyone that can assist me in getting a mortgage whilst in an iva, my partners credit is squeaky cl...

I totally follow your logic in entering the IVA in the first place but I'm relieved that it wasn't just to help you to obtain a mortgage. Once the IVA has been settled it may be possible for you to obtain a mortgage but of course none of us can guarantee (or realistically give too much of an indica...

The Lenders who may lend if you pay the IVA off early will charge you a premium for doing so. Sadly some Lenders never lend after an IVA, many won't lend for at least 9 years from the start date, a few High Street Lenders may consider lending 6 years after the IVA began or possibly 3 years after Ea...

I can only confirm what has already been said, except to say that there are a few mortgage options if your IVA is still showing on your credit file but generally you will be in a narrow space and certainly require a significant deposit (think in terms of circa 20%). I'm afraid to say that, if the o...

<t>Hi, <br/> <br/> I have just set up my IVA, it is in the process of getting approved, My only Worry is the only reason i have got in an iva is to clean my Credit up so i am able to apply for a mortgage in the future. There are many defaults on my file and i felt enough is enough so applying for an...