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Top 30 Debt Questions from the IVA Forum
See the last 30 posts for Debt Questions
TitlePostsViews
what do you make of this. Creditfixwhat do you make of this. Creditfix (by: thisusernameistaken) 50 1421
Can we call creditors meetingsCan we call creditors meetings (by: Rock20) 11 271
Im moving to Australia in september, currently 3 years into an IVA.  Can I declare bankruptcy ?Im moving to Australia in september, currently 3 years into an IVA. Can I declare bankruptcy ? (by: hubert) 5 112
Please can you suggest a way forward.  We are struggling to get by.Please can you suggest a way forward. We are struggling to get by. (by: Til) 5 108
Can I get into trouble for getting credit before my 5  6 years is up ? IVA paid off early.Can I get into trouble for getting credit before my 5 6 years is up ? IVA paid off early. (by: ilikewatch) 2 62
Creditfix againCreditfix again (by: hubert) 2 38
PPI Grant Thornton EICPPI Grant Thornton EIC (by: Judo) 6 332
Hello Im so confused by the IVA Im inHello Im so confused by the IVA Im in (by: Debbie.j) 24 2749
Full & Final payment offer  GT resistanceFull & Final payment offer GT resistance (by: Michael Peoples) 20 445
completioncompletion (by: ilikewatch) 11 352
What would be my best option?  My daughter is ill and I need to finish work to care for her.What would be my best option? My daughter is ill and I need to finish work to care for her. (by: Michael Peoples) 6 104
Is it right that will be charged 2 payments to set up an IVA ?Is it right that will be charged 2 payments to set up an IVA ? (by: Almost done now) 5 96
what happens after f&f is accepted?what happens after f&f is accepted? (by: Michael Peoples) 9 489
annual reviewannual review (by: ilikewatch) 18 364
Would my having an IVA have an effect on partners credit rating if I move in ?Would my having an IVA have an effect on partners credit rating if I move in ? (by: Michael Peoples) 2 51
How can PPI claims be classed as a windfallHow can PPI claims be classed as a windfall (by: size5) 4 81
Shall I just wait to hear from Freeman Jones or get in touch again ?Shall I just wait to hear from Freeman Jones or get in touch again ? (by: welshwiz) 8 163
extra pay this monthextra pay this month (by: abbiesmum2003) 7 147
Red lettersRed letters (by: ilikewatch) 44 1736
DuplicateDuplicate (by: tulac) 2 70
Would I be allowed to join a sharesave scheme?Would I be allowed to join a sharesave scheme? (by: Andy Davie) 33 2413
Will it effect me in any way if my partner, who has an IVA, moves into my house ?Will it effect me in any way if my partner, who has an IVA, moves into my house ? (by: Andy Davie) 2 76
Will a past IVA be picked up on a Baseline Standard Verification Record ?Will a past IVA be picked up on a Baseline Standard Verification Record ? (by: ilikewatch) 4 146
I have fallen victim to IVA Checkline Spam.  I have lost a large sum.  What should I do ?I have fallen victim to IVA Checkline Spam. I have lost a large sum. What should I do ? (by: Michael Peoples) 3 317
A couple of quick questionsA couple of quick questions (by: Andy Davie) 4 204
Creditfixme@ totally confusedCreditfixme@ totally confused (by: hubert) 26 652
Have I answered this correctly ?Have I answered this correctly ? (by: luluj) 3 195
I understood my IVA had be paid off with a PPI claim. Just been told by GT I still owe the money.I understood my IVA had be paid off with a PPI claim. Just been told by GT I still owe the money. (by: luluj) 5 325
Where do I start with getting completed IVA removed from the insolvency register and credit files ?Where do I start with getting completed IVA removed from the insolvency register and credit files ? (by: luluj) 2 149
Ryan contactRyan contact (by: luluj) 2 164
Top 10 Social topics from the IVA Forum
See the last 250 posts for Social topics
TitlePostsViews
completion certificate.completion certificate. (by: lesley) 5 33
in the last yearin the last year (by: Struzzo39) 15 401
want it overwant it over (by: Struzzo39) 9 155
New card with previous creditor?New card with previous creditor? (by: Struzzo39) 12 1509
Wow 15kWow 15k (by: plasticdaft) 5 212
PPI  PJGPPI PJG (by: sam9948) 7 660
IVa.co.uk notavailable at weekendsIVa.co.uk notavailable at weekends (by: plasticdaft) 5 258
Grant ThorntonGrant Thornton (by: jeffw) 3 219
GT. Had mymy call back.GT. Had mymy call back. (by: lesley) 3 227
I knew itI knew it (by: lesley) 5 314
Top 10 topics with most replies from the IVA Forum
See the last 250 posts of topics with most replies
TitlePostsViews
Spring time thinnies :)Spring time thinnies :) (by: kallis3) 1064 114696
Blog of the week winnerBlog of the week winner (by: relieved33) 886 116418
Diet & Fitness 2012Diet & Fitness 2012 (by: lesley) 880 58046
IVA Process StartedIVA Process Started (by: Pennyless) 652 65763
Hi I clearly need an iva but am petrified taking the stepHi I clearly need an iva but am petrified taking the step (by: kallis3) 578 29350
PJGPJG (by: ivamess) 424 33128
201213 Footy predictions.201213 Footy predictions. (by: lesley) 409 31888
Almost there with plucking up the courageAlmost there with plucking up the courage (by: jtmorris) 285 34296
Love, strength and supportLove, strength and support (by: MrsKnight) 279 20519
After completing our IVA we have been told that we have to take out a loanAfter completing our IVA we have been told that we have to take out a loan (by: MelanieGiles) 264 15046

See Top 250 Posts
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Website Features
About us at IVA.co.uk

IVA.co.uk won the Debt Counsellor of the year 2012 through site manager Andy Davie.

IVA.co.uk the iva community forum helping people in IVAs.

If you need help then please contact us.

IVA.co.uk is the UK's biggest online IVA community for information and advice about Individual Voluntary Arrangements (IVAs). It is a leading authority on debt and finance in the UK.

IVA.co.uk was formed to help improve understanding of debt and debt solutions in Britain by providing expert advice and a live forum alongside a regular roundup of the latest news, statistics, and research from the world of debt solutions.

The 'IVA Forum' (iva.co.uk/forum) was launched to enable the community to discuss IVA issues. The IVA forum now has 20,000 members and over 500,000 posts.

Online TV channel 'IVA TV' (www.iva.co.uk/tv/) was launched in to report on issues surrounding IVAs and debt. IVA TV combines interviews, news reports and video guides with programs devised and created by members of the IVA.co.uk community.

'IVA Community Blogs' (blogs.iva.co.uk) was launched to provide free blogging space for anyone from the IVA community. IVA bloggers include: people undergoing an IVA; IVA Forum posters; and experts who use the space to comment on news and give personal views on IVA issues.

IVA.co.uk also hosts a free helpline, providing advice on all debt solutions (0800 197 4838). The IVA helpline advisers are provided by sponsors.

IVA.co.uk is maintained by, Community121 (www.community121.com), builders of niche community websites.

IVA.co.uk is owned by Net121 Limited:
Company Registration: 03834474
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Net121 Ltd is Authorised and regulated by the Financial Conduct Authority.
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Reviews for IVA.co.uk

IVA with iva.co.uk

What a great site this is! Whatever your problem or question, there is someone there to offer you advise. The professionals on the site will give their time and expertise to all the members without expecting anything in return. Always on hand to offer words of encouragement to anyone who is in, or thinking about entering an IVA.
An absolute godsend for those with debt problems who don't know where to turn. Run by real people, for real people!!

dipsy007 - 19th September 2012  on TrustPilot.co.uk, rated 5 stars.


Iva.co.uk does not provide debt advice. You must always seek professional advice before taking any action to resolve your debts. If you use the IVA Calculator we will pass your details on to one of our partners who will contact you and explain all the options available to you. They will then be able to help you set up a debt solution which is right for you.

Iva.co.uk does not charge you any fees for use of our forum or the IVA Calculator, however we do get paid by our sponsors and the partners we work with. Our partners charge fees and those vary depending on the partner and the debt solution. Customers should refer to our partners' websites for more information regarding their services.

Before entering into any debt solution you should ensure that you have considered the implications. Failure to keep up with repayments can result in bankruptcy or legal action. Lenders are not obliged to accept less in settlement of a debt than they are entitled to or to freeze interest or charges. Not all solutions involve debt write off and some solutions may result in the total amount payable increasing, or the period over which it is to be repaid increasing. Debt solutions will affect your credit rating which records all financial activity for 6 years.

The debt solutions offered by our partners depend on your criteria and circumstances; including how much you owe and how many creditors you owe money to. You need to speak to a debt advisor to obtain a full assessment.