I have applied and been accepted for a nationwide mortgage, went into branch and completed full application for a property we have brought. She asked me if I was ever made bankrupt but not if I was in a Iva, so I said no,
Now looking at the legal searches it says there will be a bankruptcy search carried out,
My question is they search the insovancy register, and go back 100 years so I've read, will I be on there even though I was in a Iva and not bankrupt? It's been 6 years and my credit report are all clean hence the acceptance
I wish you the best of luck keep us updated and don't be too defeatist too soon it may all be well. Also if they do reject you there are companies that don't mind post IVA's so don't give up hope. There's always a solution somewhere
I am not aware of it flagging up on the Insolvency Register unless you are still on there.
Answer truthfully, if asked have you ever been made bankrupt and you haven't then you have nothing to worry about. If it states have you ever been made bankrupt or entered into an arrangement with your creditors then the answer should be yes.
As I have said and you appear to agree just answer truthfully and then nothing can be held against you
Who is onlineUsers browsing this forum: No registered users and 12 guests
Ask the IVA Experts a QuestionSimply complete form and you will get an answer from our IVA Experts (multiple replies within an hour *)
* Any use of this forum is conditional on you having read and agreed to our terms and conditions.
* If you enter your phone number, Vincent Bond and Co Ltd will give you a courtesy call to ensure that your question has been answered.
* The question will be posted on our forum, we will email you the location