<t>I have just been offered a role at an insurance firm. When doing the pre screening Interview they asked if I had any IVA’s etc. To which I replied yes, I do have an IVA.<br/> <br/> Anyway 4 interviews later I was offered the job. Waiting for my contract and was rung today by their HR team to advi...

Thank you Foggy, this is exactly the scenario I didn’t want to happen. My IVA practitioner said to me yay this wouldn’t happen :( He will pay the balance off in full. Does this mean that his credit rating will now also be bad for 6 year’s? Is there anyone higher I can go to rather than the collectio...

Hi I’m looking for some advice please. I receive the outcome of my IVA tomorrow. In the meantime Lloyd’s Bank have removed my current account and our joint account into the collections team. I phoned them today as this was done before speaking with us. My husband is now liable for the £3000 overdraf...

Thanks Foggy. What I meant to convey was say if I listed Santander on my IVA and I have a metro bank account. Would metro bank be informed of my IVA and would it affect that bank acc? I’m hoping that when this is all over I will be able to remortgage and even borrow more for an extension that we hav...

Thank you! Does the IVA only affect the banks etc. You have listed in hour IVA or is it everything associated with your name?

Thanks again Foggy! Really appreciate your time. My head is all over the place at the moment...I have so many questions

Hi Foggy, thanks for the reply!

When you say husband to service by himself...would they still allow him to do this mo they or would they expect it upfront?

Would this be recorded on his credit file?

Many thanks

<t>I’m just about to start an IVA. I have a joint acc with my husband, of which we are in the overdraft; so I cannot remove my name from the account.<br/> <br/> What can I do to protect my husbands credit file whilst going into the IVA. It has nothing to do with him and therefore I need to try and k...

Hi I’m just about to enter into an IVA and am wanting to understand why people are saying they cannot wait for it to be over as they feel like there life has been put on hold. Can you explain please as going from having to pay a huge amount each month to a really affordable amount can only be a reli...