Thanks guys. I just thought it was unfair this far down the line to still have to declare it. I have mentioned it to be broker and he thinks its still possible to get a mortgage approved. We shall see how it goes, fingers crossed!

I was in an IVA which was successfully completed around 3-4 years ago. I am about to apply for a mortgage and on the brokers form one of the questions states : Are you currently or have you EVER had a credit agreement default, CCJ or an IVA registered? I am no longer on the IVA register and its not ...

I completed my IVA in August 2011 and received my certificate of completion shortly afterwards. In the past few months i have been receiving letters from a debt agency who seem to have acquired the debt from my creditor who was Intelligent Finance and was a loan for £20,000. This devy agency are de...

Hi there, I completed my IVA in August 2011, i got my certificate of completion a month or two later. One of the debters including in the IVA have sold the debt on to a debt collection agency who are now chasing me for payment. The letter said the debter passed it on to them in October 2011, how can...

Long story here : I entered an IVA in 2006, the first year was hell, they took way too much money from me and i kept running out of money in the first week each month. A friend helped me out but meant i owed him a lot of money. I moved house and also got a better job, neither of which i declared to ...

Hi there, I recently got involved in a relationship with a compulsive liar, when i left him he has said i owe him money for various things he paid for, never saying i would have to pay him so i have refused to pay. I am on an IVA and he has my details from the Insolvency Register. He said he has cal...