Thanks for the advice guys (and gals!). We have started the application in my dads name but everything seems so bleak at the moment that i kinda hope it fails even though i would love to own my property; i dont want to go back to having no money! Oh, and sorry to J70 for the thread hijack, I hope yo...

Its a new build house so they asked us to use their own finance people but essentially its nationwide that they use for the mortgage. After two weeks (had to be reviewed by hand as they were aware that i had been in an iva) 'considering' my agreement in principal they turned it down based on credit ...

I have been out of my IVA for about 6 months now, 18 months before it drops off of my credit history. Just been turned down on a mortgage with a 55% deposit

Hi, Thanks for the quick report melanie. I just don't want to be too hard to find when i comes to taking my name off if you know what i mean!!

Hi, just been reading through some of the posts on the forum and noticed that you can check the insolvency register online. Had a quick look and the search came back without a match. After searching without my first name, i found myself; the problem is that they have miss-spelled my 1st name. should...

Hi, Is there a definite answer on how long an IVA is on your credit history for? Having had credit checks for different things over the course of my iva, i am fully aware that it is marked on my record from the day it was accepted. That is fine and to be expected. I also know that things like this s...

Hi. Many thanks for the quick response. Wish I had found this board earlier! Reading though some of the other posts I feel I ought to say that the whole IVA process has gone fairly well to be honest. The company i first spoke to were called Stephens and Buckley, they then passed it on to Wilson Phil...

Hi, Currently in an IVA that is due to finish in Feb 2009. Originally had around £30k debts; £14k was accepted as what I had to pay back. My payments are £230 a month so I have a little over £3k left to pay. My question; is there any point making an offer for full and final payment with comparativel...