www.iva.co.uk

the man i am dating has had an iva for 15 months. we want to live together and want to know the implicatons for me as i have a good credit score and I earn £13000 half of his salary.

There should be no implications for you apart from you will have to demonstrate that you pay a percentage towards the household.
Im sure one of the experts can explain better.

Hi
He will need to inform his IP that you have moved in so that he can fill out a new income and expenditure form.His IP will just want to know that he is paying a fair proportion towards his living costs compared to incomes,so for example if he earns 66% of the total household income he will be expected to pay 66% of all bills,instead of the current 100%.In effect his disposible income will increase and he will possibly have to pay more into his IVA.
Your credit score will not be affected
credit

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

The IVA will show on your credit report as an association, if you live at the same address.

However, it is possible to submit a letter of Financial Disassociation to the credit reference agencies if you are concerned about this at all.

Andy is right, it will have no affect on your actual ‘credit score’.

FREE ADVICE IS THE BEST ADVICE

LEYBRIDGE LIMITED
Mortgage Broker
Specialising in adverse credit.

see feedback and testimonials at:
http://www.leybridge.com/testimonial.php
Check out my blog at:
http://mikebdomain.blogs.iva.co.uk/
Please read our Initial Disclosure Document(IDD):
http://www.leybridge.com/Leybridge-IDD.pdf

Mike, I thought that was only if you had an joint accounts? Dave has just had a mortgage approved at a fairly good (I think) rate and I live with him and I'm bankrupt.

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

Skippy
It has no actual affect but will show up on the association section of an experian credit report.

If some one was bothered about this association they could write a letter of Financial Disassociation which would be included in the credit report.

I suspect you are not on the actual mortgage.

FREE ADVICE IS THE BEST ADVICE

LEYBRIDGE LIMITED
Mortgage Broker
Specialising in adverse credit.

see feedback and testimonials at:
http://www.leybridge.com/testimonial.php
Check out my blog at:
http://mikebdomain.blogs.iva.co.uk/
Please read our Initial Disclosure Document(IDD):
http://www.leybridge.com/Leybridge-IDD.pdf

Dave doesn't know that - perhaps I won't mention it!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/