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Post by lewisf1smith » Tue Jun 11, 2019 2:40 pm

So I've just made the final payment on my IVA.. and now await my completion certificate..
Start Date; 23rd December 2013.

I now have a couple of concerns in relation to my credit report it shows as 2 of the creditors on my IVA as being defaulted in March 2017 & June 2017 respectively, despite them being part of my IVA. We are looking at getting a shared ownership mortgage around March/April next year & will be the full 6 years clear of the IVA start date in December 2019. I just don't want the dates of these defaults to affect our chances of getting one.. we are comfortably within affordability for a shared ownership mortgage, so now is the time for us to save a deposit until the end of the year. But I don't want that to be for nothing to be told we can't have one because of a default from the beginning of the IVA with the wrong date..

Can anyone help with what we do in this situation?

Thanks, Lewis.


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Post by Foggy » Tue Jun 11, 2019 2:52 pm
Have a read here and use the template letter to get the defaults changed: ... dit-record

Well done on getting to the end :-)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014


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Post by kallis3 » Tue Jun 11, 2019 4:00 pm
Once you get that completion letter then set about checking your credit rating.

You can also have a chat with Ryan and Shaun who are our resident mortgage experts.
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.


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Post by Ryan » Tue Jun 11, 2019 4:16 pm
Hi Lewis,

Once you've had the default dates amended and you are 6 years after the IVA start date - so from December this year - we have access to High Street Lenders who will look to lend on Shared Ownership properties.

Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed?

Contact me at or via the expert page

Lisa Thomas

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Post by Lisa Thomas » Wed Jun 12, 2019 3:54 pm
Keep the pressure on your IP for you completion cert. some firms take up to 6 months to issue them...!
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: ... Z5k9ZcC2MA 01752 786800


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Post by lewisf1smith » Wed Jun 12, 2019 3:58 pm
Thanks, will do I was with DFD then got moved to Aperture so hopefully they get it sorted ASAP.
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