Thanks foggy #128512; I've got access to all 3 credit files & know they are clean. I cleaned them up! & everything dropped off in 2014. We did go through a mortgage application last summer tho with ryan Radford . (It didn't work out for us tho #128554;) I m sure a credit search application wouldn't ...

Hi all Does anyone know how far a tenancy credit search by let alliance goes back? There is specifically a question if you have ever been bankrupt or in an iva? Our iva completed in 2013. We are off the insolvency register & our files are clean. Is there access to info on the insolvency register for...

I can recommend ryan Radford at zebra money centre - we've got a mortgage agreed in principle through his hard work. Mainstream lender on a normal fixed rate .

I have to agree about the friendly folks in Norfolk . We went to sheringham a couple of years ago & it's the most friendliest place we've ever been to aswell as being a lovely little town. There's so many lovely places to visit in the UK,...Ok,, our weather may be unpredictable but I it can be abroa...

I was wondering does anyone know if you have a problem getting a visa to visit the UNITED STATES while your in an iva?
Aside from that- you can go on holiday if you have the pennies to do so & I agree camping is the best holiday to have with kids! We've done it for years!!

We were with mccambridge Duffy. & had a fair budget with them. I would say we were able to haggle a bit - but then we do have 4 kids & costs for us did change a bit. They are very professional & get things done & never put any pressure on us. We had no hold ups over completion certificates either. I...

I would definitely contact Ryan at zebra money- we've been iva clear for over a year & he has just got us a mortgage agreed in principle.
Luluj personally recommended Ryan to us. I am so grateful for that! I think you'll find there are few recommendations from happy customers on this forum!

Hi Kelly- my husband was self employed through our entire IVA. We were with mccambridge Duffy - they specialise with self employed. ( michael peoples from mccambridge Duffy posts on this forum) they are a good & reputable company. During the iva you will have no access to any credit facilities. For ...

Hi Amy. Expect to live frugally . All available disposable income goes into the iva. We've been through it with 4 kids & it was no picnic. Get advice from a few reputable iva companies & look closely into what the reasonable allowable living expenses. Although there are set guidelines-What you are t...

Hi Sara, just wondering if your full & final was accepted before the accident of your parents?

I think if that's the case:
You could never have predicted such unforeseen circumstances after your f&f was accepted & you should take the advice of your solicitor on board .

Totally agree with everything you said andrew & We are just through that tunnel also , It seems to me after reading through many a posting - for post iva, ( or even during ) replacing a car is the biggest thing we have to face after the iva is completed. So with great trepidation we have taken out a...

An IVA is not an easy option - so consider it carefully. It will take over 6-7 years of your life ,of strict budgeting , penny pinching & yearly income & exspenses reviews. You will be given a budget of which you will be expected to live within . Your credit file will be useless until a year after y...

Your iva has to have dropped off the insolvency register ( that can take up to 3 months) .on the 6th anniversary of when you started your iva your credit file will be clean, You will need to actively clean your files up though. (Which isn't difficult, just a bit time consuming)

Hi all I've been a bit quiet these last couple of months ( although checking in every now & then) as quite frankly I was pretty fed up with the whole IVA thing. Rose tinted spectacles are well & truly off now as I have faced up to the reality of the fact that we will never be able to jump back on th...

Hi andrew,,,been tentatively following your last couple of threads....is money in the bank & a new set of wheels been purchased??