I finished a 5 year IVA last October, so just coming up to the 6 year mark and have never been overdrawn at the Cooperative bank who I switched too 6 years ago. I haven't had any debts since I took out the IVA. I need to buy a new vehicle for work( having run the last one into the ground during my I...

Hi Guys, have had the most awful time trying to rent a new house and found that even though I have paid my IVA for 4 and a bit years, have no other debts, have not incurred any debt for over 4 years, have no late payments for over 4 years, my risk rating is equivalent to pond life and landlords want...

At 6 years then, does all records of these IVA debts disappear. So when someone looks at my credit report, I have no debtors? Given that I wont have had any late payments in this 6 years period, what sort of credit rating would I have at this point and will I have the ability to build up to a modera...

Thank you. I assume you mean 'when the time' comes, to be the date of my last repayment?

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Michael Peoples I agree that a full and final might be pointless at this stage as you rent anyway so there will be no extension for equity. You could ask the IP firm if they will accept the payments an...

Hi, I am 4 years and 3 months into an IVA. It is all up to date and the last payment is in September 2015. A relative has offered to pay the rest off now. At this late stage in the IVA is it worth considering this or should I just let it run to completion? I am thinking that by the time they reviewe...

Thank you Melanie, i suppose my biggest fear it that I let this drift. I applied for the activation code and with full intentions tried to submit on the 31st January 3013. Their system will have a record of me both applying for the activation code and try to submit it. But because I couldn't get on ...

I had a very similar problem earlier this year. I found that the large chains were difficult. So I focused on the small independent agents. I provided references from my old landlady up front ( 4 years of renting). And then when the offer was accepted n principle told them, but also told them my wif...

I have been in an IVA for just under 3 years. In the first year my tax was deducted by the IVA supervisor. In the following year I submitted my tax incorrectly using my old UTR number and spent many calls with the tax office to get the tax transferred across. I have only just got confirmation of thi...

Melanie,

the action taken yesterday was incredibly swift and efficient in resolving this issue in a sensitive and professional manner and reminded me of all the reasons why I chose your practice from others in the first place.

Thank you and have a relaxing Christmas

Regards

Charles

Thank you Andy, thats very helpful. Also thank you Melanie, it looks like all is resolved now.

I have been in an IVA for just over 2 years. My payments were set at just under £400 a month based on predicted income and affordability. This was approved by all creditors. I run a small business and in the first year of my IVA, my net income was £2500 less than predicted in my IVA agreement. I s...