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Search found 844 matches Page 1 of 57
by Ryan
Fri Jun 22, 2018 9:39 am
Forum: Ask IVA Forum and Industry experts
Topic: Waiting for completion certificate
Replies: 6
Views: 616
It is a lottery sadly - as has been said previously best to keep trying and hopefully you will got to speak to someone helpful there.

Best of luck


Regards
by Ryan
Wed Jun 20, 2018 8:20 am
Forum: Ask IVA Forum and Industry experts
Topic: What proof will be required to show that I can't remortgage
Replies: 4
Views: 1260
We've done letters previously for Clients saying they are unable to re-mortgage and these have also been acceptable.

Regards
by Ryan
Tue Jun 19, 2018 1:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit file record after IVA
Replies: 3
Views: 1301
HI Scook, All defaults should have the IVA start date recorded against them, if not contact the Companies concerned and they will amend the date. The defaults will then remain on your credit reports for 6 years from that date as will the IVA. It's best to check all 3 credit reports if you haven't al...
by Ryan
Mon Jun 18, 2018 1:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: Getting credit score in order post IVA
Replies: 8
Views: 1628
Your score may not improve significantly until 6 years after the IVA began and it's at that point (unless you settled the IVA relatively early) that we can look at re-mortgages with High Street Lenders. Make sure to check all 3 of your credit reports (Experian, Equifax and Callcredit/Noddle) as diff...
by Ryan
Mon Jun 18, 2018 9:23 am
Forum: Ask IVA Forum and Industry experts
Topic: Experian.......
Replies: 18
Views: 3857
Morning,
Just to let you know you can now get a live report for free from Callcredit go to this link and sign up
https://www.callcreditstatreport.co.uk/
Once you have all 3, send them over to us and we will assess for you
by Ryan
Mon Jun 18, 2018 7:23 am
Forum: Ask IVA Forum and Industry experts
Topic: When can we get a mortgage?
Replies: 3
Views: 1741
Hi Pam,

We'd be happy to look at your situation if you were to contact us.

Regards
by Ryan
Fri Jun 15, 2018 9:12 am
Forum: Ask IVA Forum and Industry experts
Topic: Full and final
Replies: 2
Views: 2431
Excellent news.

Regards
by Ryan
Fri Jun 15, 2018 8:32 am
Forum: Ask IVA Forum and Industry experts
Topic: Experian.......
Replies: 18
Views: 3857
Noddle isn't the quickest to update - it can take 30 days for the actually report to reflect changes but if the information has been removed Lenders will see an up to date version of the report when doing searches.

Regards
by Ryan
Wed Jun 13, 2018 10:17 am
Forum: Ask IVA Forum and Industry experts
Topic: Default notice
Replies: 3
Views: 3372
You want the accounts defaulted as early as possible so that, as Foggy says, they will fall off your credit reports after 6 years. If all your Accounts have been defaulted that's good and will save you plenty of time when you have completed as you won't have to get the dates amended which can take a...
by Ryan
Fri Jun 08, 2018 4:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Paying off an IVA and remortgaging
Replies: 1
Views: 4458
Hi Mat, It's unlikely you'd be able to take your wife's name off the Mortgage unless she was moving out of the property. Its all to do with obtaining vacant possession and in our experience most/all Lenders aren't willing to do so as down the line it could lead to issues for them if they were lookin...
by Ryan
Fri Jun 08, 2018 2:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: Final Curtain
Replies: 5
Views: 4550
Excellent news, congratulations.


Regards
by Ryan
Thu Jun 07, 2018 7:27 am
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage
Replies: 5
Views: 4852
Hi Kelly,

Lenders have differnet criteria as to when/if they will lend following an IVA. We'd be happy to look at your situation if you were to contact us.

Regards
by Ryan
Wed Jun 06, 2018 8:11 am
Forum: Ask IVA Forum and Industry experts
Topic: Chances of getting a mortgage post IVA
Replies: 4
Views: 4961
If your IVA began over 6 years ago it's certainly something that we have managed to do for Clients previously. We'd be happy to look at your situation if you were to contact us.

Regards
by Ryan
Tue Jun 05, 2018 7:21 am
Forum: Ask IVA Forum and Industry experts
Topic: Credit File after 6 years
Replies: 4
Views: 4682
Hi Jane,

It's worth checking all 3 credit reports (Experian, Equifax and Callcredit/Noddle) as different Lenders subscribe to different Reports and some will check more than one.

Regards
by Ryan
Tue Jun 05, 2018 7:20 am
Forum: Ask IVA Forum and Industry experts
Topic: Should creditors be removed from my credit file
Replies: 6
Views: 4771
Hi Darren,

It's worth checking all 3 credit reports (Experian, Equifax and Callcredit/Noddle) as different Lenders subscribe to different Reports and some will check more than one.

Regards
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Search found 844 matches Page 1 of 57