went to my bank today and was informed that if you have entered into BR or an iva you had zero chance of getting a mortgage. they asked us who was the debt with and was basically said i know they have the same policy. also if i leave it much longer age will be against me.

Do i want to open a can of worms maybe yes. why cant there be a company out there where we can take an iva company or adviser to claim back fees ? My reasoning is after 5 years you clear your debt wait another year and it drops off but will stay with you for the rest of your life. ok i hear you say ...

It seems that more companies are happy to take your money monthly hassle you for every penny but once complete they don't want to know you and will just do what they want. I have a feeling that it needs some serious regulating.

I cant give any advice but i really feel for you. This is a a disgrace but i thought once you went into a IVA it was covered by a court of law.Anybody who had some common sense can see that you have done nothing wrong. Get a solicitor and take it all the way and good luck.

Hi hope everybody is well and enjoying some well earned time off. i am hoping someone can give me some advice. we finished our IVA 31 July 2009 with a final settlement. the original IVa was not due to finish until May 2012. i understand the 6 year period, but my question is after checking my credit ...

many thanks will have a look.

I have kept an eye on this site as my IVA was finished early. This month is the five year point also. My finances are all in order life on track but looking at comments made here i will never get on the housing market. 10 to 12 years to disappear from high street banks credit files.Where does that l...

Hi can someone please help me. Today we received a letter from santander about our arrears. my question is we settled our iva in august 09 and got the certificate of completion in may 10. should we still be receiving these type of letters and also it is showing interest being incurred as of nov 10. ...

ok slightly baffled by how we cant blame the old goverment. we had one of the biggest growths in history under them nearly ten years. yes i hate the fact i will have less each month but if action is not taken now my children will suffer. but the chances are in 5 years time they will get back in powe...

What a great post to bring out how people feel. what i would like to say is for ten years we had growth and money in this country. in a short period of time we had to dig deep and pump money into banks etc. everyone one them have told lies and changed what they promised, but i do agree something has...

This site has been a wealth of info for me and my wife so a big thank you to you all. We got our certificate through and we are all finished and i must say what a relief it is. So let me wish all of you the best of luck to you all. i would also like to say a thank you to BE once you get past their r...

a week today we sent them an e-mail and still have not had a reply. i would really just like a honest answer to what is going on, is that to much to ask ????

how did you guess?????

Sorry it has taken so long to get back to you. I have checked the insolvency register and we are still on there. so took your advise and emailed our ip as yet stil waiting for a reply. in 11 days we have been waiting 9 months. again thank you for taking the time to reply.

In august last year we had the joy of being in a postion to make an offer to settle our iva. the offer was accepted. it has been eight months now and we still have not recived our certificate of due completion.we were told this could take three months, are we just being impatient or is this a standa...