How long do you class as just finished an iva?

My thoughts exactly, how would the lender know you had an IVA. Surely there must be mortgage lenders ready to lend, obviously with a higher interest rate.

Why would I struggle, I will have a 20% deposit and it will be 2 years from the via dropping of my credit file.

Hi all, My IVA was started in Dec 2003 and was completed April 2009. the IVA was removed from my credit file Jan 2009. My question is I will be looking at a mortgage early next year (2011). Will my previous IVA pose a problem as it was successfully completed and was removed from my credit file Jan 2...

Defaults will remain for 6 years after the start of the IVA.

I have also been having issues with Egg. Although they were included in my IVA, and it was completed early, they still show a balance of £3.5k outstanding, albeit a partial settlement. I have written to them three times to correct to satisfied/clear the balance, but they update every month but chan...

Is this the same as the Ombudsman.

It seems Egg are editing the entry to remove the defaults so the entry only includes the Partial Settlement date. This means the entry could be on my file for another 6 years.

I am after advice. I started my IVA Dec 2003 and it ended May 2009. My Egg account was included in my IVA. First of all it took EGG 4 months to clear my default even after the 6 year mark. I still had credit agencies sending my letters etc. After correspondence from myself and my IP the account was ...

Hi Polar! Congrats on getting your car!! I'm fairly new to the forum. Might be a silly question but did you complete your IVA a year ago and now after the 6th year you have restored your credit rating?? I have 12 months left....hopefully if I can release equity this year!! So am keen to know how qu...

Well I have just purchased my first car for 6 years. An Audi A4 Cabriolet. Cost £9500 and I was cleared for finance with Santander at 7% Flat rate or 14% APR. It just show 6 years after IVA, defaults all gone from my credit records and I am now Human again. (I made sure I had checked all 3 credit re...

I am now ready to start looking for a car and apply for finance 6 years after my IVA I have been keeping an eye on all my credit reports and all defaults have dropped off. My Experian Credit Score gave me 961 which is an excellent rating and Equifax gave 410 which was a good rating. I have a current...

Original defaults don't get removed if you have an IVA. The defaults will stay and will be shown as satisfied once the iva is complete.

All my defaults are shown as satisfied but now need to be removed after the 6 year mark.

Duncton have an APR that is to high.

Hi all, It has now been 6 years since my IVA was started. It has now dropped off my credit file although a couple of companies still have my defaults even though it has been over 6 years which is annoying. Any way I am now looking at a new car and will obviously need to get credit. Do finance compan...

I have a Cooperative Current Account with £300 overdraft limit and also a monthly Contract mobile phone. Also have a Vanquish card with £250 limit.

Hopefully when my defaults drop off in december I should be in good position for a car loan