Asking for someone , his IVA finished over a year ago he has got certificate and is off the register and wants to get a joint bank account with his wife who has never been in an IVA which banks can he try ,has he waited long enough ??
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Has it been at least 6 years from the start of his IVA and have his credit files cleared up ? Some banks are more 'difficult' than others : Avoid HSBC and First Direct.
Co-Op gave me a full account when my credit file cleared at the 6 year mark.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Yes it will be 7 years in September his credit is all fine now he probably just tried a bit too soon after IVA ended so now is a bit nervous about approaching any banks
