I'm still in my IVA at the moment but looking around at how easy (or difficult!) it will be for me to get a mortgage. On Nationwide's mortgage application form, it asks "have you entered into a voluntary arrangement with a creditor in the last 6 years."
Does this mean the date the IVA started or any part of the IVA at all? As if it's all, this would mean you have to wait a further 6 years after the 6 years the IVA is on your credit file (5 paying years, 1 year then removal).
On the wording of that specific question ... when did you ENTER the IVA ? I would take it that, after the IVA had gone from my records ( 6 years from the start) I could honestly answer that I hadn't entered into an IVA withing the last 6 years.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Use a broker such as Ryan or Shaun ..they will advise you what to do in these circumstances. Their contact details csn be found under ask the expert section.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Definitely the date you entered the IVA originally. So if your IVA finished, dropped off your credit file along with defaults, you were off the insolvency register then I think you'd be in the clear.
What a great question. So much nicer than "have you EVER entered into a voluntary arrangement with your creditors".