Damaged for ever?

in IVA & DRO
13 replies 2.7K views


  • edited 19 February 2017 at 10:03PM
    Suits2017Suits2017 Forumite
    11 Posts
    edited 19 February 2017 at 10:03PM
    Is this the same for Trust deeds in Scotland are they're similar to IVA?
    I'm about to apply for my AIP next week with Halifax,so I'll let you know how i get on. I've spent the past year sorting out my credit file and saving to get to this point. I'm 3 years post discharge.. my trust deed is form 2010. I've saved my deposit, and have a clear credit history in the past 4 years. Fingers crosse :o
  • ACGACG Forumite
    21.8K Posts
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Most mortgage lenders go off date of discharge for IVAs and Bankruptcy.

    There are some lenders who will go off date of entry and so I would be relatively confident that there would be lenders who would consider you once the IVA is completed (dont forget to get confirmation it has all been settled as the lender will likely request it).

    Best of luck.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • I've been speaking to a company called finance advice centre and they seem really helpful.Does anyone know of them? I spoke to someone else a few weeks ago from a local broker, but I think this new company seem to know what they're doing. I'll be applying once next week. Thanks for your comments
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