But think of it like this if they use a third party like experian or equifax and they've subscribed to the data.........

If the company has the xml file ie. the bank whats to stop them not deleting the data from their servers for 5 years after the iva for example. They can then use this at will data to credit score and underwrite any loans, mortgages, etc. Link from insolvancy register where it explains the xml data f...

Understand that but what im saying is if you a subscription user you have raw access to the data in xml format. You'd then import this into your own banks database server like sql server, then you can use it at while to perform searches on. If they never delete this data they have when you were on t...

Just noticed that any company can subscribe to the insolvancy database by paying £1410 inc vat and they get an xml with everyone's data in back. This seems a bit crazy as surely the banks are going to subscribe to this and store the insolvancy data against us so making things like mortgage searches ...

O2 Money card is free too =)

Thanks Michael - can anybody clarify the financial link bit?

Hi, Im due to get married soon so would like to accept cheques from people in both of our names. I am currently in an IVA, my partner is fully aware of this. We do not want to setup a bank account with both of our names as this will effect her credit rating. From looking about I think the account to...