I started my IVA in July 2006 and did a early settlement in May 2010 so I would guess that the IVA should now be off my record ? I have registered with Credit Expert and am awaiting a reply and info on my file. Thank you all for taking the time to read my post and reply with helpful feedback. Anymor...

Thats really helpful information, Thank you.

I haven't got as far as that yet. It was an early settlement payment, accepted three years ago.

Hi, I was wandering if you could give me some advice on re building my credit rating after an IVA. Three years ago I made an early settlement payment. I am now in a good position whereby I have money in an ISA, regular savings and am maintaining a regular bank account. In the future I want to look t...

Hey all. Spoke with my ip today who has also advised me to speak with CAB and then get back to him asap on what i want to do. I have also spoken with my parents about the possability of bankcruptcy and they have flagged up a concern. Because i live with them, if i go bankcrupt will it affect their c...

Hey all.I was unable to speak with my ip as he is on annual leave until next week. I did speak to a lovely lady who was very understanding and helpful. My ip will be calling me next week to talk through all my options. Meantime i have been advised to speak with citizens advice to see what they advis...

Hey all. This is going to sound really silly but im very nervous about speaking to my ip about possible bankcruptcy. I have put it off for two days now ! I just don't know how to go about it. Can anyone offer any advice or reassurance ?

Thank you. Just got a few questions before i do so. When i call my ip do i ask him about brankruptcy or do i tell him that is what i have decided and why ? Will i start to get threatening calls and letters from my creditors again ? Lastly, my next half payent is due on the 15th of January, do i say ...

Thank you all for your advice so far. Unfortuneately mt parents are not in a great finacial position themselves so they would not be able to help me and not paying my rent would cause them problems too. Bankruptcy is something i had thought about although i am not quite up to date on the process and...

Hi all.I am currently about two years into my iva of debt amounting to £19,000 and have been making monthly payments of £300. Up until July of 2008 i was working as a full time receptionist with take home pay of £940.I left to pursue a career in the airline industry and took on a a more casual job m...