Completed a lump sum IVA Feb 2009 and this has fallen off my records but as the monies werent paid until October 2009, some of the accounts show as partially settled in October and not the Feb. Thought no information, defaults etc could show up after the IVA date Feb 2009?

IVA finally fell of records this week, credit report now gleaming, all payts up to date etc, home owner etc but credit rating only showing 6/10 - why is this? Thought it would be 10/10!!

I have a mortgage with Bradford & Bingley which should be repaid in 2 years, it is oninterest only, can they force a sale?

I am coming to the end of my mortgage term and had an % only loan, have about £80000 equity and wanted to re buy but as i am 52, thisis restrictive. I am due about £75000 lump sum @ 60 when i retire, what ar the chances of getting a mortgage for about £60000, 30 of which on an interest only basis...

I have 2 credit cards now, both paid off each month as the par is high but obtained them to improve my credit file as my Iva falls off in February but does this look worse than not having any?

Completed a lump sum IVA 27/09/2009, does the 6 years start counting down from this date or the date of the completion which was 2/11/2009. Hoping the 1st date!!!!!

I had the wondeful fortune of personally meeting Mel, who dealt with a lump sum IVA for me. Not only was this done speedily, I had my certificate promptly too. Please dont judge all IPs the same, they are not, Mel is a perfect example and I frequently think how lucky that she dealt with my debt issu...

My mortgage was provided many years ago on an % only basis, but this is due to be cleared in just over 4 years. Obviously I could not afford to change to a repayment basis until now but when the 4 years is up I need to re mortgage - which is going to be more difficult in the current climate. As the ...

carried out a lump sum IVA February 2009, but my certificate is dated October 2009. Does this fall off my record Feb 2015 or October 2015?

Although I completed a lump sum IVA sometime ago, and am very grateful to be in the wonderful position of now being solvent, I will never forget the support this forum provided. Most of all,our wonderful MELANIE GILES and her fantastic team, who were not only helpful and professional - but they neve...

Know it's easy to say but try not to worry. You are in such safe hands, Mel and her team are out of this world! If it's possible Mel will achieve it, and if she didnt think you would be successful, she wouldnt make the offer. I will never forget Mel, ever, and would have no hesitation recommending h...

you wont need luck with Mel and her wonderful team. Her record speaks for itself and she would never try if she knew she wouldnt succeed. Sleep tight, you probably still awake from my experience! Mel arranged a lump sum iva for me a few years ago. . . and i will be grateful for many years to come!!!

Yes, I am still on the register but just thought it may be a better move to use a bank that consider us ex IVA's more favourably.

If you are lucky enough to have the wonderful Mel on your side. . .you are priveleged. If you read about her, her success rate is outstanding. . . just believe in her and you wont go wrong!

Thanks to our wonderful Melanie Giles, I arranged a lump sum IVA just over 2 years ago and have never been happier! I opened a Nat West step account with no problem, and curently have my mortgage with the Bradford & Bingley but they will not extend my mortgage term when it runs out and I will obviou...