First of all, thank you kindly all for your replies. To answer the additional questions, I can confirm since the IVA was dissolved and any trace of debt removed from my credit file, I have successfully applied for new bank loans and credit cards, all which received regular repayments and paid off. I...

<t>Hi, <br/> <br/> I am applying for a mortgage like others with Nationwide. However between 2002 up to 2007 I accumulated debts due to renting, living expenses, financing furniture, clothing, vehicle etc. Due to living cost/wage I was unable to keep up payments and sought advice from Citizens Advic...