I don't know if it would have made any difference, hindsight is sometimes a horrible thing , but in some ways I wish I'd have struggled for a couple more months and bought a house before I started the IVA. The way I see it now is that even right up to the IVA commencing I had a good credit record an...

I have just over a year to run on my IVA and I have been told by an independant monetary consultant that my credit rating still remains "black" for up to three years after completion; leading to me not being able to obtain a "normal" mortage. This in contrevention to what I was told when I was "sold...