Have a word with either Ryan or Shaun (details under the ask experts a question link on the left hand side of the page) to see if they can assist you at all.
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
From the mortgage aspect, have a word with Ryan and / or Shaun. It will be easier with a clear credit file, which you can check by visiting each of the CRAs online and requesting a copy at £2 a pop.
Don't forget that Noddle and Clearscore are free so worth a look.
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
I have sent off for our references as we're considering moving. Our two lloyds accounts that were included in both ivas shows as satisfied (S) on equifax. No mention on noddle or experian. Is this ok or do I need to write to their data controller to correct.
If they are not on the others then no need to worry. You can write to the controller - won't hurt.
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
Hi Becky. Although your options may be limited, it's entirely possible although it will depend upon your other circumstances eg. your income, the value of the house, when the IVA was first registered and what else shows on your credit file. Sometimes there's a bit of preparatory work to be done but someone who specialises in this area should be able to help you.
Specialist Mortgage Advisers. Highly Commended at the British Mortgage Awards.
A quick question I am trying to adjust mortgage etc post F@F but before I have received completion certificate ie trough a secured loan Would this have any implications for me before receipt of completion certificate. The reason I ask is a relative took out a loan to clear my IVA
and trying to sort out repaying them
There will still be a restriction on the title until the completion certificate is issued -- you also still need your IP's permission as you are still in the IVA and bound by its terms, again, until that certificate is issued.
Do not mention, if asked, that the relative's lump sum was a loan -- that, in itself, is contrary to the terms of your IVA, without the agreement of the IP.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
You could ask the IP to remove the restriction as the IVA is almost complete anyway or put the pressure on for your certificate. However, even after getting the certificate it may be difficult to get a loan until your credit file has cleared up so worth speaking to someone like Shaun Vickery of Select whose firm has access to these type of products. Ironically, it may be harder to get a loan after the IVA than while in it.
