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Posted: Fri May 04, 2012 5:14 pm
by michael.b
Am i right in saying that my IVA started on 6-06-2006 and will come off 6-06-2012 ???
Posted: Fri May 04, 2012 6:30 pm
by Shining
I believe you are, 6 years from date of acceptance. x
Posted: Fri May 04, 2012 7:15 pm
by michael.b
great news then no more public record does this mean i never have to tell people i went through an IVA
Posted: Fri May 04, 2012 7:17 pm
by Skippy
It depends - if you are asked if you have ever been insolvent or have ever been in an IVA you will have to say yes.
Posted: Fri May 04, 2012 7:17 pm
by Shining
If you were to be asked on an official form then be honest but you don't have to tell anyone you don't want to
Posted: Fri May 04, 2012 7:20 pm
by michael.b
its wrong really i have done my time most forms ask if you have been insolvent but this does not include IVA does it.
Posted: Fri May 04, 2012 7:21 pm
by Skippy
Unfortunately it does include an IVA as it is a form of insolvency.
Posted: Fri May 04, 2012 7:46 pm
by michael.b
really but what would happen if you never mentioned it as its not actually on your file
Posted: Fri May 04, 2012 8:17 pm
by Skippy
I would never condone lying if you are asked the question. Creditors are free to keep their own records for as long as they wish so there is a chance you would be found out.