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Christabelle_sparkle

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Post by Christabelle_sparkle » Tue Mar 15, 2016 5:21 pm
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Hi All!!!

I've not been on here for a while but was wondering if anyone has managed to obtain car finance through a main dealer since IVA??

Our IVA finished October 2014 and are credit files have been clear since November 2015.
No trace of IVA.
Our credit score is good.

Hubby's car has now become unviable to fix and we are thinking of buying a new one.

Thanks for your help
An IVA is a long hard road but valuable lessons have been learnt along the way. Now looking forward to enjoying a debt free future!
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kallis3

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Post by kallis3 » Tue Mar 15, 2016 5:52 pm
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I think you may be ok but you can always check the likes of Moneybarn.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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Christabelle_sparkle

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Post by Christabelle_sparkle » Wed Mar 16, 2016 5:50 pm
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Thanks Kallis #128521;
An IVA is a long hard road but valuable lessons have been learnt along the way. Now looking forward to enjoying a debt free future!
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Christabelle_sparkle

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Post by Christabelle_sparkle » Wed Mar 16, 2016 5:52 pm
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Don't know why numbers appeared?
An IVA is a long hard road but valuable lessons have been learnt along the way. Now looking forward to enjoying a debt free future!
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kallis3

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Post by kallis3 » Wed Mar 16, 2016 6:06 pm
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It happens sometimes for some reason.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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Foggy

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Post by Foggy » Wed Mar 16, 2016 6:15 pm
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...... inmate number :-)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Christabelle_sparkle

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Post by Christabelle_sparkle » Wed Mar 16, 2016 9:37 pm
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Ha ha ha foggy [:)]
An IVA is a long hard road but valuable lessons have been learnt along the way. Now looking forward to enjoying a debt free future!
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plasticdaft

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Post by plasticdaft » Wed Mar 16, 2016 11:24 pm
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Apparently I'm now a blue chip customer and was pre approved for car finance through Alphera (bmw finance).

Who'd have thought eh?!?

Good luck.

Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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Shining

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Post by Shining » Thu Mar 17, 2016 11:20 am
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Yes, I got main dealer finance - no problem.

Good luck in finding your new car.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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kaza

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Post by kaza » Thu Mar 17, 2016 4:52 pm
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We managed to get bmw finance on a used car and today submitted a request for Nissan finance on a brand new car!! ( no news back yet if we got it) but have credit score of 988 so fingers crossed!!!!
Our Iva completed Nov 15 but was 6 year so credit files clean within a month!
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kallis3

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Post by kallis3 » Thu Mar 17, 2016 5:32 pm
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Fingers crossed!!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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kaza

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Post by kaza » Thu Mar 17, 2016 7:51 pm
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Yay we got it!!!
Really pleased to be rid of our two "old bangers" we have purchased two new cars for less than our Iva payment with the peace of mind 1. They will start[:D] 2. Both have service plans and warranty in place for 3 years so no more extra needed in paying out for repairs, car tax is £20 a year and insurance is halved due to being new cars!!!

And we have booked and paid for a much longed for family holiday ( with our savings) so life post Iva is good [:)]
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Christabelle_sparkle

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Post by Christabelle_sparkle » Thu Mar 17, 2016 9:50 pm
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That's great news!!! Thanks for sharing your experience.
Thank you everyone. My hope is now restored.
An IVA is a long hard road but valuable lessons have been learnt along the way. Now looking forward to enjoying a debt free future!
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kallis3

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Post by kallis3 » Thu Mar 17, 2016 10:08 pm
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That's good news kaza.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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Shining

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Post by Shining » Fri Mar 18, 2016 2:40 am
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brilliant news Kaza, always good to have a reliable car x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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