My IVA finished over 4 years ago and I only recently found out that my restriction hadn't been lifted when I was going through a remortgage. Once I rang the IVA company it was lifted within 2 weeks.

Hi, I managed to remortgage with Nationwide as they asked if I had started an IVA within the last 6 years (which I hadn't) so could answer no. I would advise that you make sure that the restriction has been lifted from your property as mine hadn't and I had to phone my IVA company to get it sorted w...

Just decided to check my restriction had been lifted after reading this and it hasn't!! Finished my iva over 4 years ago and currently going though remortgage so am going to have to get this sorted asap. Glad I checked now.

Hi, I have recently been accepted for a mortgage with Nationwide (6 years was up in July) and they asked the question whether I had entered an IVA within the last 6 years so could answer "no". I chose Nationwide because my bank account is now with them.

Thanks all, just good to be able to get a decent interest rate again!

Hi my IVA started in July 2010 and was paid off in full in September 2012. The 6 years was up in July this year and everything has disappeared from my credit files so I applied today to remortgage with Nationwide and was accepted! The question they asked was if I had entered into a voluntary arrange...

Hi, mine all showed as a default each month but the date of default for each was showing as a few days within the start of my iva. Once the six year anniversary of those dates passed they all dropped off automatically.

My 6 years has not long passed and all my defaults were dated within a couple of days of IVA start and all fell off fine. I ordered my statutory reports the day after the 6 year anniversary cos i was too keen and experian report still showed one default but that was gone a few days later.

I paid back approx £14k more than my original debt and my IVA only ran for 2 and a half years.

I had a co op cashminder account throughout my IVA and had a separate savings account with them too

My clearscore report(part of equifax) was showing a history of 10 years for some of my closed accounts but once the 6 year anniversary was up everything dropped off.

As far as I know, insurance quotes are "soft" searches and won't affect your rating. Only actual credit applications may affect your score.

Hi, my 6 years was up at the end of July 16 with a couple of defaults dated 3/8 but i was keen and requested statutory reports on 4/8. Experian was only one showing one default left but i requested the report again a few days ago and it's now gone so maybe they update each time it's requested? It's ...

Hi, everyone who owns a property and has an iva has to sign one of these. it just alerts your IP if you try to sell the property while in an iva and the restriction will be lifted once it's finished.

Hi I have made ppi claims from 2 of my iva creditors with no problems and just about to send off another but I had paid 100p dividend so nothing went to iva company