Thank you Melanie, you have been a great help.

I will get my partner to contact you by your link when he gets home from work later as he has no access during the day.

Regards

Olwyn

Thank you Melanie for your prompt reply. He has only just decided this is the best path for him and contacted two companies last night (they are ringing him back). I will definetly ask some more questions when his meeting is arranged and to be fair to him he was going to pose the question himself. H...

Thanks for the reply. I feel its the only way forward to him has he has substantial debts from a previous relationship. I worked hard to increase my credit rating after the end of my first marriage so am more cautious of opening joint accounts or as I said, including him on my mortgage. At the momen...

My partner is considering an IVA. We are not currently linked financially but in June we are getting married. Even then I dont intend to put his name on my mortgage or open a joint bank account with him, will my credit rating suffer or my house be 'black-listed due to his IVA?