Hello all,
I am looking for a definitive answer on applying for a mortgage and having a historical IVA.
In brief:
IVA started in Jan 2003. Full and final in 2007. So nine years since completion.
It has never appeared on my credit file (strange I know) nor could I find any entry on the insolvency register. I am also unable to find entries in any of the Gazettes.
So my question is whether to declare this on applying for a mortgage. I know in doing so I will limit available lenders etc.
What is the actual reality of it showing up in searches now? Especially given that it 'appears' not to have been reported properly in the first instance.
There is a fair amount of conflicting advice on whether you have to declare it. For example:
http://www.squirrelism.net/related-topi ... are-an-iva
There's also conflicting advice on what will be found when a solicitor undertakes bankruptcy searches:
http://www.justanswer.com/uk-law/7xs1u- ... ncing.html
The above thread suggests that if you've never owned property then the initial land registry check will not show any entries.
Could someone advise if possible? Thanks in advance.