Hi I Went bankrupt and discharged in 2009. There is no record of it on my credit file and it is not on the online Insolvency service register. I now have an excellent credit rating and have received a mortgage offer on a property I am trying to purchase.
My question is will anything show up on the K16 Bankruptcy search done via my solicitor? thanks
It shouldn't do - were you asked the question as to whether or not you have ever been bankrupt?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Was not asked the question. Didn't even know they did these checks but when looking into it my mortgage company's criteria States "discharged bankrupts considered - minimum 7 years"
I'm really worried now as I am only 6 1/2 years. The application has gone through fine but I'm just worried about the solicitor k16 search
If there is still a problem then we do have two resident mortgage advisors on here - Ryan and Shaun so it might be that you need to have a word with them. Their details are under the expert link on the left hand side of the page.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I meant that if it flags up for the solicitor it might cause a problem - you can always speak to Ryan or Shaun if this happens.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Plus the lending criteria of some companies is that if you have ever been in BR they will never lend to you (and have no obligation to do so).
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
It may do - it will also depend on which mortgage company you are using.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I don't know - some companies will go back further.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
