I'm struggling to get a remortgage because I'm telling the lenders I just finished my iva.
It's gone from both credit file and insolvency register.
If I simply lie about it and say I never had one I could avoid future eviction, but I'm worried they find out another way.
What other checks do they do?

And now there's a default that is the wrong date. Not the start date of the IVA but the company have refused to change it. How can they just refuse and the CRA actually backed them saying there's nothing they can do.
What a state!
I'm at my wits end!

Quick update. My IP (Unity) doesn't let the CRA's know. They let the IS know and they let the CRA's know according to my IP. This could take another 4 months to add to the 6 years I have already done. I am currently trying to send the CRA'S my completion certificate, but they want the whole 13 page ...

Hi guys, I read loads of articles on here saying that the iva dropped off their credit file after 6 years from the start date. But mine hasn't. I have to send the completion certificate to the CRA's (when I finally get it) and then wait for them to update their files. All this could take another 6 m...

okay, ty for your swift reply.

Hi there,

I have somehow managed to complete my IVA but i have just received a letter of "assignment from Arrow global to Capquest, who it appears have bought the whole debt.
Is this normal?

So it doesn't automatically drop off after the 6 year date?

Some people on this forum say it does?

http://www.iva.co.uk/forum/viewtopic.ph ... c1#p458629

For example. Has anything changed since then?

Hi all, My initial relief at finishing my IVA has been stunted a bit by the fact it is still showing up in CRA's. Indeed, the CRA's state... "If there’s an Individual Voluntary Arrangement (IVA) appearing on your report it will be there for a period of six years from the original registration date, ...

So my IVA finishes next summer (not sure I can get there with current rate rises) and I'm going to need a re-mortgage as my interest only mortgage of 100k is due 2024 (house value currently 170k) Is there any mortgage companies that will lend to ex iva's next year and as my age will be 64 by then, d...

So what do you think the chances of them agreeing to this would be. I wouldn't want to do it if it's less than say 50%?

I managed to survive somehow for 5 years and even survived the "equity release" review. 12 months to go but now my interest only mortgage as gone through the roof and worse to come obviously. I simply can't afford the IVA anymore (or the mortgage repayments) Would it be worth asking the company for ...

so my IVA is £150 per month. I have 12 months left of a 6 year IVA I am desperate to start a remortgage ASAP after the IVA is over, but I have heard it takes upto 6 months to get the completion certificate and presumably, get the Land Registry warning removed. Would it not be prudent to pay off the ...

Hi guys, So somehow (I really don't know how) I have managed to enter the final year of payments in my IVA So my question is what can I expect at the end, if I do indeed get there (not so sure with all the cost of living crisis)? Does the IVA company carry out a final review at the end as I have rea...

Ok, ty.
Would it be worth me contacting them and asking them not to send any more statements?

I have just received an annual statement/arrears notice from one of my creditors-Novuna who used to be Hitachi. In the letter they state that "These notices will continue to be issued until the arrears have been paid" Does this mean at the end of my IVA arrears HAVE been paid or will I continue to r...