We recently completed our IVA with Harrington Brooks and have received our completion certificate dated 6 October. At the time I was informed by Harrington Brooks that we would stay on the insolvency register for another 3 months following completion, this news was a little frustrating but not a big deal.
Now our 20+ year old back boiler is almost dead! We are struggling with unreliable heating just when we need it to work the most with the current weather. I've been looking at a couple of firms on the internet that offer fast combi boiler replacements (they can fit this week) with interest free finance over 12/24 months.
I guess the question i'm asking is that would I be likely to achieve an acceptance for the finance whilst still on the insolvency register? Now that the iva is completed, we could repay the cost of the boiler in 4 months from the money that we used to pay HBrooks.
I've checked my Experian credit file and all traces of the IVA have been removed, likewise my Experian credit score is showing as 999 out of 999. However, at the moment my wife and I are still showing on the Insolvency database.
Has anyone been in this position before? If so, what course of action would be suggested.
Many thanks in advance.
Have you had copies of the statutory reports from each agency ( couple of quid a pop) ?
Harrington Brooks were brilliant especially one particular advisor, Victoria, who took ownership of an issue regarding my wife's employment requirements and bent over backwards to help us complete as quickly as possible. I guess I just presumed everything would be finalised fully due to this helpful atitude.
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