font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Andy Davie
Hi
It will depend on the banks record keeping
I have new credit with creditors in my original IVA but there are also some creditors that have turned me straight down
No definitive answer but it's worth a try
No need to mention the IVA unless asked
Regards
Herein lies the quandary...
Many application forms ask if you've EVER made an arrangement with your creditors or something similar.
Should you say yes when it's been erased from file?
Surely no, the slate has been wiped clean has it not?
Or is the 20 year old who enters and IVA forever punished with no mortgage, no job in finance, no car loans etc... for the rest of their life? Unless they pay insane interest rates to dodgy lenders...
Not saying I have the answers. Nor, sadly, am I 20 anymore.
But in my mind something doesn't stack up if we must dredge it up whenever asked no matter how historic.
Even a convicted criminal who's been in prison gets a clean slate!