markn139

dont worry Logan I intend to keep on the right side, the IVA was with me financing an extension (I work on trust) up to a certain stage ie when the building inspector passes the slab inspection or maybe even up to roof. I then asked for money to cover me up to that stage and found out they didnt actually have the money to have the job done, but with me supplying then the onus fell on me to pay the materials, and it was more benificial for me to got into an IVA rather than bankruptcy. With regard to some of the other replies, ideally I would prefer to wait till the house is sold before buying, but I run the risk of missing out on an ideal property if that sells before my own house does. thank you Mark

We are moving to France and wanting to buy a property, We have plenty of equity in our house and its currently up for sale. My credit file in the UK is not good with a couple of CCJ's from a couple of yrs ago and an IVA thats just been finish and completed. I was wondering how I would go about getting a bank account in France and indeed applying for a mortgage, even if its only short term till my house sellsin england (its just on the market now) I would be in a position to pay off the mortgage/loan straight away. Would my credit file be accessable by the french banks as I have struggled to open a high street bank account with the IVA even though it got finalised and completed as per arrangement and more so would I be able to get a mortgage? the property we are looking at is for 85,000 euro not sure if this thread has been through before as im new here and not quite sure where to look. regards Mark