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If you are not sure then state "no"
A CCJ is a county court judgement - issued if you have unpaid debts you are being pursued for legally. An IVA is created if you declare personal bankruptcy.
Have you missed any mortgage payments in the last 12 months?
Either now or in the past few years
The type of debt the mortgage lenders will want to know about are credit cards, car loans, payday loans, overdrafts etc. State "yes" if you have any meaningful debt you are committed to
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Great Credit Card Rates

We can help you find other great rates, here is some help in finding a great credit card rate.

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