Most, if not all creditors will ask about your financial past: Some will ask if you are in an IVA, some will ask if you have ever been in an IVA ... some will know anyway, it seems, but still ask. They all have their own criteria -- and these criteria do change without notice. Some will lend once your record is clear, some do want to wait for 3 or 6 years from the end and some will never lend!
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