Hi all, am after some advice please. Entered into a full and final iva on 13/7/2012 it is listed as completed on 4/7/2013. Does it go from my credit file 6 years after it started or 6 years after the completion date? Also, are there any mortgage companies who ask 'have you had an iva in the last 6 y...

I had a full and final iva in July 2012, completed 2013, I have just been refused a mortgage by halifax, are there any lenders who will consider me 3 years post iva.

Thanks for the speedy responses everyone. This website is a Godsend. When I spoke to NatWest they were obliging and did say that they would update the credit reference agencies. I will give them another try before going to the ICO. Many thanks again.

Hi there, I entered into a full and final Iva settlement in June 2012 and received my cert of completion in June 2013. I stupidly did not check my credit rating until recently and found 2 of my creditors m & S money and NatWest have registered me as still having an open account and still defaulting ...

Hi, I took out a full and final IVA in July 2012 and I got my certificate of completion last year. I have just checked my credit file on noodle and it's showing as 1/5. A bank account and credit card that were included in the IVA are registering as still open and marking defaults, every month. Some ...

Thanks all, that's a relief. I didn't want to tell her about the IVA. Thanks Dipsy, so nervous, am just wishing the days away at the moment, Friday 13th can't come quickly enough! x

Hi, my auntie has asked if I (along with her two sons) will have power of attorney for her. Will I be able to do this in an IVA? Thanks (5 days to go till my creditors meeting!!!)

I know, I can't believe it's moved so fast, MCD have been excellent so far and put everything together really quickly. Just hope it all continues to go smoothly and quickly! x feeling loads better about everything since my last frantic messages to you Broke! x

Thanks for the advice. Have cancelled them all so will just wait and see what happens, have had confirmation that my creditors meeting is Friday 13th! Hmmm! But not too long to wait x

Thanks Michael, should I inform the creditors or just wait until they contact me? Will this have any impact on my IVA proposal?

Best of luck Neil. Let us know the outcome. Did you take the day off?! x

Thank you do much everyone for your good wishes. It's very much appreciated x am wondering now about whether to cancel my direct debits to my creditors, I haven't missed a payment yet and it just feels 'bad' although the money Ill 'save' will make a huge difference this month, it's just a worry in c...

So, I've signed the proposal and MCD received it this morning so that's it, just got to wait for the creditors meeting (which could possibly be Friday 13th eek!) I know what people meant now when they have talked about counting down the days! x

Hi Harpic, I've been speaking to Sean from Mccambridge Duffy

I guess the thing that's troubling me most about the IVA is the fact that it's insolvency. I know the DMP and defaults would stay on my credit file as long as an IVA but it's just that box that you see that says 'have you ever......' I suppose Im worried about the possible implications for the futur...