Hello,

Do HMRC accept IVA proposals?

Kind regards

James

I have worked in lending and I know salary is used as an under writing tool that is why. I am not flaunting it as you are clearly insinuating I am trying to get a full understanding of my options and all i am hearing is credit file, default, partners dmp etc and nobody seems to acknowledge that inco...

Thanks guys. Are you speaking from professional or personal experience here or is it your general view of the current lending Market at present? I cannot believe Joe bloggs on 15k per year with perfect credit is more worthy than me because of a 98pound 4 year old default. Unless this is just a fact ...

The loan will just be in my name so her credit file would not even be looked at surely? When I used to underwrite mortgages for a living, lenders would tend to be bothered about defaults within the last 3years even for their better products, so is a 4year old default for such a small amount really g...

Hello, To give you a little background, I went into an IVA 6 years ago today which is due to come off my credit file at midnight tonight. I actually paid my IVA off in full 4 years ago though. Now since then I have obtained a 98pound default on a mobile phone contract in 2007 when I moved house and ...