Will an IVA Affect Immigration / Credit Abroad?

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snowman365

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Post by snowman365 » Sat May 17, 2008 3:30 pm
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Dear Forum

I am currently considering undergoing an IVA. However, I am also considering emmigrating, either to Canada or New Zealand.

Does anyone know whether an IVA would affect Immigration to these countries e.g. would I be able to get a Work Visa, and would I be able to get credit e.g. Mortgage in these countries?
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cfnc

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Post by cfnc » Sat May 17, 2008 3:35 pm
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not sure but an expert will be along soon, well after the football if their team wins!

Good luck.

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Kirsty
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Wizzard

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Post by Wizzard » Sat May 17, 2008 3:36 pm
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Welcome to the forum Snowman. I'm sure an expert will be along soon to answer your query
When I was young I was called a rugged individualist
When I was in my fifties I was considered eccentric
Here I am doing and saying the same things I did back then and now I'm labelled senile
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chris.g

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Post by chris.g » Sat May 17, 2008 4:02 pm
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I've been looking int this a bit myself. Hubby's friend is in austrailia and there is plenty of work and has asked hubby if he would consider it. I would jump at the chance to move out there and because of hubby's age, he would have to apply for the full visa, not just working holiday one, it's a possibility. [8D]
On the Au Embassy site, there is no mention of br/iva's. HOWEVER.....they do state that the visa applicant and any other person to be placed on the visa MUST be of good sound character....that is qite open to interpretating I think....
Obviously, they don't want just anyone in their country but does facing upto your debts seen as being a good character trait or a bad one????
I'm going to email the embassy direct and ask them, if and when I get a reply I will post it on the forum,
xx
Last edited by chris.g on Sat May 17, 2008 4:03 pm, edited 1 time in total.
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snowman365

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Post by snowman365 » Sat May 17, 2008 4:12 pm
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Thank you Chris.G for your reply!

Yes that would be great if you could post it on the forum - I am sure there must be few other people wandering the same thing...
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chris.g

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Post by chris.g » Sat May 17, 2008 4:16 pm
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There has been a few questions along the same vein lately. I'll email them now while I remember,
xx
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Storm

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Post by Storm » Sun May 18, 2008 9:49 am
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Australia has no problem with IVA / Bankrupts - a credit check does not form part of the application process.

The good character relates to the police check they will do during the final stages of the process.

It is currently taking 6 - 12 months to process applications.

When in aus your UK credit file is not related. You will normally be able to apply for a mortgage in aus after 6 months - they will expect a 10-20% mortgage.

You will need to consider the cost of living out there if you are going to continue IVA payments......

a useful website is http://britishexpats.com/forum/
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snowman365

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Post by snowman365 » Sun May 18, 2008 9:05 pm
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Cheers Storm for your reply!

Do you know if this is a similar situation for Canada / NZ?
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MelanieGiles

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Post by MelanieGiles » Sun May 18, 2008 11:06 pm
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I'm pretty sure it is the same snowman, but Storm is the expert in this field so wait for his reply.
Regards, Melanie Giles, Insolvency Practitioner
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snowman365

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Post by snowman365 » Sun Jun 22, 2008 5:45 pm
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Storm wrote:

Australia has no problem with IVA / Bankrupts - a credit check does not form part of the application process.

The good character relates to the police check they will do during the final stages of the process.

It is currently taking 6 - 12 months to process applications.

When in aus your UK credit file is not related. You will normally be able to apply for a mortgage in aus after 6 months - they will expect a 10-20% mortgage.

You will need to consider the cost of living out there if you are going to continue IVA payments......

a useful website is http://britishexpats.com/forum/
Hi Storm

Do you know if this is a similar situation for Canada?
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Storm

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Post by Storm » Sun Jun 22, 2008 6:53 pm
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Same for Canada .... you start to build a credit file once you start to live in the country with no reference to your UK file.

It may take longer to secure a mortgage at the minute (the whole credit crunch thinggggggg).

Key things to do when you get there is get a bank account / checking (cheque) account so that they can see money in / money out. dr
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snowman365

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Post by snowman365 » Sun Jun 22, 2008 6:57 pm
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Storm wrote:

Same for Canada .... you start to build a credit file once you start to live in the country with no reference to your UK file.

It may take longer to secure a mortgage at the minute (the whole credit crunch thinggggggg).

Key things to do when you get there is get a bank account / checking (cheque) account so that they can see money in / money out. dr
Hi Storm

Thanks for your reply - but my main question is can a person actually get into Canada with a record of BR back in the UK? Or is this not taken into consideration???

The reason I am asking is that my girlfirend is Canadian and we are currently looking into applying for a Sponsorship Visa which would involve her 'sponsoring' me to go out there and live and be able to work etc., but we are just really worried that BR may affect the Application???
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Storm

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Post by Storm » Sun Jun 22, 2008 9:06 pm
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As far as I am aware bankrupcy / IVA it is not taken into consideration.
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snowman365

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Post by snowman365 » Sun Jun 22, 2008 9:18 pm
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Storm wrote:

As far as I am aware bankrupcy / IVA it is not taken into consideration.
Hi Storm

Thanks for your reply again!!!

They are the magic words I wanted to hear!!! I have tried the Canadian High Commission but no response at all!!!

Have tried the Britsh Expat Forum which you mentioned also - it's a really good forum but could not quite get all the info. I needed!!!

Cheers!!! [:D]
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