I have a couple of questions please.
The IVA no longer appears on my credit files and I've been building up my credit rating this past year. I have approached a mortgage broker to get a new deal. Firstly, how do I check if the restriction has been removed from my property? Does it cost much?
The other thing is that the broker has recommended a deal with NatWest who were my bank prior to the IVA and I defaulted on my overdraft. I didn't mention the IVA to the broker as it's not on my file and he didn't ask but I'm nervous about an application to NatWest. I presume they would refuse me anyway as I must be blacklisted with them!
Thanks for you advice!
It's really nothing to be ashamed about - we deal with 100's of Clients who have previously been in an IVA. It is a very specialist area though and if your Broker hasn't dealt recently with someone in a similar situation you may find that he submit quite a few agreement requests which would probably have a negative effect on your credit score.
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