Hey! I closed my IVA with an early settlement in February but I’ve just checked my credit file and there’s Barclays and other accounts still showing as live and deafualting?

Is this the normal case?

Ok thank you,

Even with a joint application?

Is there no chance of trying in around 3 years?

Hi, I paid off my IVA with a full and final a few months back and have my compeltion certificate and I am slowly rebuilding my credit with a capital one credit card...

My question is when would I be able to start applying for a mortgage?

Lisa Thomas wrote:

Why don't you calculate the 'extra' contributions from your bonuses/overtime etc first (assuming you have the 10:50:50 rule) so you know what to expect?

Going of the 10:50:50 rule I reckon it’s going to be around £800/900 I’m not too sure....

kallis3 wrote:

You have to pay money across straight away if you have it approved.

What do you mean? I understand the FUll and final has to be handed over straightaway

What happens if I can’t afford to pay the money back straight away? Will they add It on to the IVA?

My mother in law is offering to pay £4000 to make a full and final offer to my Iva 54 x £87 = £4698 what is the likelyhood of this being accepted. I am quite new in to my IVA and spoke to pay plan they’ve told me I need to do a new I&E and send in my payslips... The only problem is I have completely...

Someone in the HR Department said gay it shouldn’t be a problem but it’s the betting team that deal with it and they don’t know why it gets rejected... I'd just ask the Police Force the direct question (you can do it anonymously?). We've certainly handled plenty of mortgage applications in the past ...

Thank you I’ll give that a try! My girlfriend and her mum want me out of the IVA too so are willing to do the F&F I just wasn’t too sure what I needed to do and what the IVA company need from me so if there is 55months left I should offer 55 x £87 - £4785. Is there any reasons why they would reject ...

Hi, I’m quite new into my IVA i started in February and I pay £87 per month I have a few questions regarding what it means to me and what it means for my future... I’ve decided I want to apply to be a police officer and since found out this isn’t possible whilst in an IVA? The applications look to b...