how can flatmate with an IVA obtain a credit ref ?

4 posts Page 1 of 1
Post Reply
 
 

mjd

User avatar
Posts: 1
Joined: Sun Jul 06, 2008 8:05 pm
Location:
Post by mjd » Sun Jul 06, 2008 8:07 pm
Quote
My flatmate has an IVA. We are now looking for a new flat to move into and letting agents require a credit check. She is experiencing the problem that the reference comes back that she is Bankrupt. She however is not Bankrupt as she set up her IVA to prevent this. She has been paying off her IVA for a few years now with no problem in making payments. How can she obtain a credit reference without it stating that she is Bankrupt because she clearly is not??
Top
 
 

Adam Davies

User avatar
Posts: 14596
Joined: Thu Mar 29, 2007 12:21 pm
Location:
Post by Adam Davies » Sun Jul 06, 2008 8:10 pm
Quote
Hi
They need to be upfront with the agency and explain the situation before the credit check is done.Some institutions class an IVA and Bankruptcy in the same light.
Regards
Andam Davies
Top
 
 

MelanieGiles

User avatar
Industry Expert
Posts: 47612
Joined: Tue Jan 09, 2007 10:42 am
Location:
Post by MelanieGiles » Sun Jul 06, 2008 9:46 pm
Quote
Why not get her to ask her IP for a reference - ie that she has maintained her payments faithfully for a long period of time and would make an ideal tenant. I would be more than happy to do this if she were a client of mine.
Regards, Melanie Giles, Insolvency Practitioner
Top
 
 

aguise

User avatar
Posts: 3907
Joined: Tue Jan 23, 2007 11:24 am
Location: United Kingdom
Post by aguise » Mon Jul 07, 2008 7:10 am
Quote
Hi there and welcome.
Your friend could also ask your present landlord for a reference to show that you have maintained rental payments.

Ang
Please visit my blog at http://aguise.blogs.iva.co.uk/
Top
Post Reply
4 posts Page 1 of 1
Return to “postings for july”