Hi Ryan, as per the forum, would you be able to give some guidance on my question? We are in the midst of applying for a mortgage. I say we, however due to my IVA history (completed in 2011) we have decided that the mortgage and title deeds will be in my husbands name only. Our mortgage broker has s...

Thanks guys and girls - regardless of the "6 years" to drop off the credit file (although it always will have to be declared), the mortgage broker states that there needs to be an additional two years after this date prior to acceptance. This is the current lending state of the mortgage market (just...

I completed my IVA in June of this year, after 5 looooong years and paid back 98% of the original debt! Woohoo! Have been making some enquiries re mortgages (being a first time buyer) and have been firmly informed that not even sub-prime lenders will touch me until at least 3 years after completion ...

Freeman Jones. Overall they have done a good job, although they tended to send me the incorrect paperwork at my reviews which has been a bit annoying, but gets resolved pretty quickly. Just waiting for my next review forms now as I get one every six months. From what I have read today on the forum, ...

Hi Helen, Thanks for the info! The original Debt was GBP 44k then another GBP 10k in fees (although the fees might be slightly less than that). So far, well as at my last 6 month review in December I had repaid GBP 42k, 46p in the pound dividend. Currently paying GBP 1k a month so should finish a li...

I've only got 12 months left on my IVA (woohoo!), and it now transpires that I am earning alot more than when I started my IVA, and my repayments have gone up in proportion. This will also mean that I'll not only payback more than anticpated, I will also payback more than the entire amount of debt s...