Hi guys,

First post so bear with me please. My wife and I spent the last 6 years struggling by with our young family. Without going to into too much boring detail it became apparent last year that we were just snowballing our debt and so we went for an IVA. It was accepted by our creditors and this has been going fine until this year where we realised that selling the house and paying the IVA off (on a new agreement) would be the best way to start again.

We made mistakes, realised these and have tried to be responsible with our creditors. This is all well and good, but now my point and why I was hunting for an answer....

We will need to save for 12-18 months to get enough money for a new deposit, but we might as well not bother since all creditors slapped defaults against our names even though they all agreed the IVA route.

Are there any threads or advice on defaults once they have been settled in full and how to get rid of them so we can in reality start afresh?

Thanks,

Penfold