Hi, I completed my IVA in august 2012 and had recieved my completion certificate from Money Debt and Credit. I was so pleased. However 14 months later I checked my credit file and it stills shows up. I got back intouch with the company who then passed me to grant thorton who told me that before they could issue me a completion certificate a ppi check and vat needs to be carried out. This was a shock to me. Im now waiting for the relavant paperwork in order for me to agree for grant thorton to carry out these check. The question is once this has been carried out will the IVA finally drop off my record and can I get back dated to august this year. Im also looking for a mortgage I have saved £10000 and will save an additional £5000 by august 2014. I would like to know realistically how much I would be able to borrow ( joint income £36000) what % of a deposit I would require. When I should apply for a mortgage. How long I can get a mortgage for( currently 44 years old). Which mortgage broker should I use. Any reply will be thankfully recieved.
Hi Phil and welcome to the forum that's not good completion certificate you already got but then grant thornton have come in and said they want a ppi check I am also with grant thornton and still waiting for my cc and I still have on going ppi. Ryan or Shaun will be able to help you with your questions on mortgages when they see this post.
Last payment made August 2012 Certificate of Completion recieved 15th of Novenber 2013.
Ryan comes highly recommended as an independent mortgage broker who has successfully helped over 20 forum members in previous months join the property ladder. His details can be found under the meet the experts section or via the members A-Z list. Shaun also is a mortgage broker who forum members recommend.
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Hi,
I would be happy to look in to this for you, but would need to know a few more details. Would it be possible for you to contact me directly via the experts tab on the left hand side of the page please
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre
IVA Mortgage advice needed? Looking at Right to Buy and completed IVA still on credit files ?
