Hi. Any idea what happened to her? Looks like it’s been 5 years since active on here? I was just going over my old posts and wondered......thanks.

By the way - It was nice to see a lot of the old people on here when i did my IVA 8 years ago!

Hi there - Ok, i am back now to write this in full! So - What i meant was..............Just leave everything. Lets say its just credit card and loan debt only and the person rents - no secured debt, no council / water debt etc . No more than about 5k on each credit card / loan - spread over multiple...

Hello. Sorry, I posted that on a mobile device and DID NOT finish the post. Yes, it makes no sense I bet.....I meant to go on to say more. Will get to the point on another fresh post! Thanks!

Why bother with an IVA?

Hi. Since I completed I have been away for a while. However, I will soon post some advice and experience for others, if it helps in some way. Before that, what is the news with Mel Giles and her company? Pjp recovery and creditfix?

I guess there is an easy way to post a link, but I can't see it right away. Anyway, it was mortgage Steve who said he knew of a company to help during an iva.

But another post states that you can get an mortgage during an iva? Or did I miss something?

Great link - many thanks!

Thank you - will be back on here in the future!

Hi - today, i made the last of my 60 payments. Phew....... However, over the years i have seen several posts about when everything will be removed from my credit file. So, does anyone have an exact answer to this: Suppose it is Jan 1st 2000 and my IVA STARTS on this date (credit meeting). On what da...

Dear me, i am aware of that thanks though. My final sentence is not to do with an IVA. It relates only to what is involved in a rental agreement credit check. So what explicitly is being checked - a person’s ability to pay a bill (which me being in an IVA pretty much counts me out i know), or a chec...

Nope, i doubt they would either and this was all "matter of fact" really as i was mainly interested in my final point. But thanks for your time though!

Thanks again - out of interest however, do you know the correct answer to my last sentance? Otherwise i'll wait until Monday to ask the EA.

Thanks,

Mark.

Hi - thanks for that. I rather thought as much, but wondered if i'd just fail the credit check (as in what does the check involve as all i would fail on is passed missed payments, not missing housing links etc) or would i have to ask my IVA company first - just to see what happens. I mean, could i j...

Hi – my friend has asked me to be a guarantor for a rental agreement for 6 months. Now, whilst i know that this person has enough money to cover 6 months’ rent and will not default, she is only 18 so has no credit history – plus does not know about my IVA. So, question is, can i do it – either with ...