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nffcwatto

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Post by nffcwatto » Sun Dec 14, 2014 3:04 pm
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I had my certificate through yesterday (I think) was supried its more a photo copy thing. Anyway what is next, it says it takes 3 months for the insolvent register to update. Do I need to actually do anything? Also how long till I can re mortgage as I want to move to a larger house ?
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Foggy

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Post by Foggy » Sun Dec 14, 2014 3:09 pm
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They will have informed the Insolvency Service, so your name will drop off the IP within 3 months, Credit records will not improve until the 6th anniversary,

Useful into here:

http://pjgrecovery.com/clean-up-credit-rating.asp
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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nffcwatto

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Post by nffcwatto » Sun Dec 14, 2014 4:24 pm
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Thanks, the 6th anniversary so to speak is January so does that mean I can get a new mortgage from then? Do I need to do anything ?



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Foggy

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Post by Foggy » Sun Dec 14, 2014 4:38 pm
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I would suggest a word with Ryan and / or Shaun, who place mortgages for ex-IVA'ers all the time.
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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Shining

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Post by Shining » Sun Dec 14, 2014 5:55 pm
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Ryan and Shaun can be contacted via the ask experts a question link to the left, they have helped numerous posters between them now so good luck and well done on completing.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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kazzafunk

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Post by kazzafunk » Sun Dec 14, 2014 6:51 pm
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Well done on getting the completion statement - I know what you mean about it. It means so much to us but in reality is just a piece of paper!!

Excellent advice above about contacting Shaun or Ryan. Good luck!!
Kazza

Please visit my blog:
http://kazzafunk.blogs.iva.co.uk/

IVA completed 21/03/2012
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Ryan

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Post by Ryan » Tue Dec 16, 2014 1:01 pm
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Hi,
I would be happy to look in to this for you.
As the link you have been advised to look at says, you need copies of your credit files from all 3 companies listed on this.
Once you have these i would be happy to discuss mortgage options with you.
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed? Looking at Right to Buy and completed IVA still on credit files ?

Contact me at http://www.ivamortgageexpert.co.uk or via the expert page
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