Hi , We have about a year to go before the IVA is off our credit file , so with buying a house very much on the top of a long list of things to do. we would be very interested in hearing what our next steps should be. Our IVA finished 2 years ago with an early settlement agreement so we have been sa...

Hi Ryan, i did email your company i think and the message i recieved back was really what i suspected. That there is no point even looking at getting a mortgage, we will have to sit tight in our current rented home for another two years and try and save for a deposit. It does seem the system is agai...

I will get in ciontact one of them and 2017 isnt too bad, should have a spotless credit report by then hopefully, thanks for the advice.

Right her we go, i have added bits and pieces on here before during my IVA which completed in June of last year after commencing in June 2011, early finish was due to an accepted setllement offer, i am basically now starting again so my question is about mortgages. I am 46 now my wife 34 and we have...

Completed my Iva in May of this year and since then have been trying to clear up my credit report since then. All of the companies bar 1 have complied and put my debt as satisfied and i am having real problems with the last creditor, they are Apex Credit Management , they have still got me owing £7...

Hi I have successfully completed my IVA and on trying to sort out my Experian credit report four companies are refusing to say that my outstanding to debt with them is settled. They were all included in my IVA and I do not know why they are doing this they have seen my completion letter from step ch...

after mentioning before that we had change of circumstance, we had joint debts of £100000 , had an IVA with step change but after two years could not afford the payments, after making an offer of £1000 each to our creditors they miraculously agreed an early completion and we are now debt free, no ...

Have checked the benefits link just in case, we are entitled to 0, unfortunately we are part of the unlucky middle income lot, who dont quite earn enough to be comfortable but pay high tax, get no help and if we get in trouble are left to fend for themselves, pretty sad really. i have nowhere to tur...

I earn too much to get any benefits have had our child benefit taken due to this. Our accommodation was approved by the Iva people at the time, I have looked again recently and there are no available properties within a mile of my sons Playgroup and the junior school he will be starting in September...

Thanks for your help in previous posts. As explained before my partner and myself have seperate but joint IVA 's but due to a new baby and bonkers childcare costs it will cost us more than she earns to have pur youngest looked after, so we now cannot afford our IVA . Step change are in the process o...

As i have found out we buy any car offer bottom black book value , which is what the dealers use so im guessing if they took the car it would go to trade. or auction where that is the what they will realise.

oh and i got the car valued by we buy any car and they will give me £1250 for it , the bike was valued by we buy any bike at £500 so even less than i thought , which is good in terms of assets but bad as thought they were worth more.

Thankyou very much for your help, i have just passed a new expenses form to step change highlighting the change in circumstances, i cant see where the IVA will progress but lets see what they say.

We have a 12 year old car worth £1500 tops and an old 17 year old motorbike wortn at most £1000 that is it and obviously having two young children would they really take them. As for PPI i could never see the point of it and thought it was a con so never took it out , so we have nothing to gain tryi...

Unfortunately any kind of benefits is out of tye question i earn on average £60000 a year so we have lost our child benefit, we live in London so our rent on a three bedroom house is £1500 a month with council tax @ 240 a month gas electric is £200 so before we start i have lost £2000 a month before...