Many thanks will take up the advice.

The IVA was approved in March 2009 and the completion certificate was Oct 2009. Appreciate the six years ; so 2015.

Do you have any suggestions as to whether to stick it out with current lender till the Credit file is clean or do you know of a mortgage company which may be sympathetic.

Regards
DAC26

the IVA was completed in October 2010

I completed an IVA F&F 10.2009, Have kept my credit file as clean as can be with all the right definitions after the defaults IE Satisfied or partially satisfied. My question is with my mortgage company. Have been with them for over 10 years. No problems what so ever. Took out a tracker package in 2...

Andy Davie wrote:

Hi
You have nothing to worry about, this debt is no longer owed, Just refer any letters or calls to your IVA company, or write to them enclosing a copy of your completion certificate
Regards

Many thanks for this re-assurance.

I would give them a call and maybe send them a copy of your completion certificate. If the said debt formed part of your IVA then there isnt anything to worry about. Its strange as I sent to the Data Controller MBNA last week my cert. of completion because my credit file still showed some defaults ...

My IVA was completed satisfactorily on 01/10/09. It was a F & F IVA and I have my certificate of completion. However, today 25/3/10, I recieved from Grant Thornton IVA Watch a letter headed ' OBLIGOR NOTICE'. This letter talks about how MBNA have sold my account to Pheonix recoveries and that Pheoni...

I entered into an IVA on 15/5/09 and successfully completed this on 1/10/09.(A lump sum payment). My question relates to my credit refernce file which 9surprisingly) still does not show at all three of my creditors. Is there a reason for this ?.

Endowment worth about 13k parents have offererd 10k. Mortgage could be upto 30k based on their telephone interview with me. Many thanks Seems a more than adequate offer. However, I am not sure that you would need to surrender the endowment if your parents are offering third party funds in excess of ...

Have discussed with IP. Equity is about 70/80k * 50%=35k *85%=circa 30k. In principle mortgage co have agreed they could top up on mortgage plus help from parents woulod mean a full and final offer of around £50k inc IP cost's. To raise all of this I would have to cash in an Endowment (Is with same ...

I have decided that I am sorting out my mounting debt situation. I have told my partner, who whilst is really cross & upset, will help me. My debt is about 110k. Together we may be able to remortgage and get some help from parents, which would mean we could raise about 40k. WOuld this be a practical...

I am now sorting m,y debt out. My partner knows and is being helpfull. She does not work as she has been off work for some time with depression. (Nothing to do with the money). We can raise arounbd 40k by mortgage and parents. With a total debt of around 110k (mostly mounting interest) would this be...

I am considering an IVA as I have mounting debts which the interest alone is now beyond my monthly ability to pay. My question is does an IVA effect or touch my partners half of the house, her savings (IE her car) and her savings. all in her name