Has anyone ever applied or know anyone who has applied for a Virgin Money mortgage after completion of IVA. Looking at lending criteria they look a good option. Any views?

Rebuilding credit profile - Has anyone used Amigo loans (Guarantor loan) and would you recommend as seem to be cheapest loan available.

Credit score following IVA completion. Hi i currently have a credit score in the 300's following having a IVA which the six years are up in May 2013. Following this and getting the final coupld of defaults off our record will our credit score increase much or will the IVA stay on record after 6 year...

Hi we have been out of IVA for 18 month and 6 years since IVA is up in May. We are looking for 1500 loan as we have leak in house but when i search for bad credit loans all i get is brokers. Does anyone know of any loan companies that i can use?

When year 6 is finished and IVA has was paid off after year 5 do the financial records get automatically deleted from equifax / experian etc or do they stay on record?

How can you get a loan after coming out of IVA? We have been out of IVA for several months and have had a few issues with our car which resulted in trying to get a loan without success, we therefore had to get a payday loan to fix car on more than one occassion and the rates are stupid. There must b...

Mortgages - Hi we are currently with NRAM which means that we cannot do anything with our mortgage after the fixed payment ended as they don't do any new lending. We finished our IVA last year and the six years are up in May 2013 but we want to change mortgage companies asap. We are looking for a 80...

Can you tell me why if i have received from my IP a certificate of completion on 25th July 2011 (took 6 months for this) that the Insolvency Register not have it showing until closed as 22nd November, does this mean that what my IP sent me was incorrect and they had made more mistake or that it took...

Completed F & F in July, now got credit report from Experian and not one of them shows as paid off. Can anyone give me details on what i should do and write to and why was this not the job of Grant Thorton?

Can you challenge a IVA firm for how long it is taking for completing a F & F to closure statement following receipt of funds. We have so far waited 21 weeks and have now been told it will take up to 28 weeks. This company gets thousands for administrating and it is shocking customer service. Are th...

Mobile phone contract - Can you apply for a mobile contract when you are just out of a IVA

Can you take out DFS credit when in IVA?
We have just paid off our IVA (yipee) 15 month early and am aware that it will not go of our record until 6 years but we are in desperate need of a new sofa and i wondered if it is classed as credit or HP. Has anyone managed to buy a sofa while in IVA

I understand what you say Melanie but we just want out, debt matters were useless and would not include one of our debt which we have still had to pay and with the rising fuel costs / living it is hell and we get no help or support. We also are at the end of a fixed mortgage period with N Rock and m...

I was transferred from debtmatters to Grant Thorton in Feb and sent a letter in February requesting to do a ful and final based on the sale of our house, after 16 weeks of chasing i finally have received a response. The issue is that house prices have fallen and i now am worried that we will not get...

We are making a full and final settlement based on selling our house that was excluded at time of iva comencement and we are offering 1p on top of minimum dividend to pay off early and should be left with around 10% deposit so i wanted to know if anyone knew any good mortgage companies / brokerage c...