www.iva.co.uk

Posted: **Thu Jul 19, 2007 6:03 pm**

hi, i was in an iva situaton 18 months ago with my ex- husband unsure of every thing i went along with the iva to clear joint debts from a marrage that had broken down in 2001. the joint home was sold and i received a completed iva from the company. does this mean i can not take out any form of loan now for a fixed amount of time thanks j

Posted: **Thu Jul 19, 2007 6:08 pm**

Hi jillyb and welcome to the forum

If your IVA has concluded, then you are free to borrow money again. If the IVA was commenced within the last 6 years, however, evidence of this will remain on your credit file, so lenders may be reluctant to provide you with credit as a result. Shop around, there is usually someone who will take the chance on you but you may pay a little more in interest.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

Posted: **Sat Jul 21, 2007 2:40 pm**

Why do you want barrow Money?

Was the original debt joint or only your former huabands?

hara