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IVA Forum with over 20,000 IVA Forum members
Top 30 Debt Questions from the IVA Forum
See the last 30 posts for Debt Questions
TitlePostsViews
My mum was paying an IVA but sadly passed away recently. What happens to her life insurance ?My mum was paying an IVA but sadly passed away recently. What happens to her life insurance ? (by: kallis3) 8 187
Can fiancees IVA touch or have any right to our joint savings account ?Can fiancees IVA touch or have any right to our joint savings account ? (by: lesley) 6 296
Can I add my bank account fees to my expenditure ?Can I add my bank account fees to my expenditure ? (by: lesley) 5 348
Full & Final Suggested AmountFull & Final Suggested Amount (by: kallis3) 6 150
Insolvency RegisterInsolvency Register (by: NMC) 19 789
House EquityHouse Equity (by: Foggy) 11 585
100p being paid to IVA creditors but not not a penny refund to debtor.  Is this normal ?100p being paid to IVA creditors but not not a penny refund to debtor. Is this normal ? (by: kallis3) 2 284
Can I include tobacco as a expense in my IVA ?Can I include tobacco as a expense in my IVA ? (by: Michelled0422) 4 431
If I am successful in suing my ex employer, can I keep the money to buy the new taxi I need ?If I am successful in suing my ex employer, can I keep the money to buy the new taxi I need ? (by: lesley) 2 332
Will the referendum change anything?Will the referendum change anything? (by: Imhotep) 8 994
Will it affect getting a mortgage in the future if we sell and rent now after completing IVA early ?Will it affect getting a mortgage in the future if we sell and rent now after completing IVA early ? (by: Foggy) 3 392
Hi there. We have completed our IVA after 21 months. Now looking for a mortgage.Hi there. We have completed our IVA after 21 months. Now looking for a mortgage. (by: Lisa Thomas) 2 395
Interest only mortgageInterest only mortgage (by: Foggy) 21 1703
An updateAn update (by: PayPlan rep) 19 1663
I was not told about releasing equity when I went on the IVAI was not told about releasing equity when I went on the IVA (by: Foggy) 4 497
New questions about  Equity release.New questions about Equity release. (by: Lisa Thomas) 3 484
Im not sure what is the best option for me.Im not sure what is the best option for me. (by: Lisa Thomas) 3 466
Message for Admin re user name change.Message for Admin re user name change. (by: Piglet71) 6 641
PPI ConundrumPPI Conundrum (by: Sheila.pl) 5 676
Hi, just an updateHi, just an update (by: Lisa Thomas) 10 1534
Thank you everyone for your support.Thank you everyone for your support. (by: Foggy) 4 554
Is it correct that we cant sell our property and keep the equity until our CC has arrived ?Is it correct that we cant sell our property and keep the equity until our CC has arrived ? (by: moneytree) 10 1830
Done!Done! (by: kallis3) 15 711
Does an IVA fail immediatly on death ?Does an IVA fail immediatly on death ? (by: kallis3) 4 503
What happens when creditors do not claim at the beginning of an IVA  which ultimately failed.What happens when creditors do not claim at the beginning of an IVA which ultimately failed. (by: Lisa Thomas) 2 431
Is there a timescale for F&F settlements ? What is required from me to avoid further hold ups ?Is there a timescale for F&F settlements ? What is required from me to avoid further hold ups ? (by: Lisa Thomas) 29 3168
Finished IVA June, 2015 after two and a half years. Where can I check my credit report ?Finished IVA June, 2015 after two and a half years. Where can I check my credit report ? (by: Foggy) 4 457
If Im not happy with my IVA company could I change to another company ?If Im not happy with my IVA company could I change to another company ? (by: Lisa Thomas) 3 444
Hello, I sold my house, need money to pay bills and rent. Can IVA take all the money ?Hello, I sold my house, need money to pay bills and rent. Can IVA take all the money ? (by: Lisa Thomas) 2 425
IVA completed years ago but still causing problemsIVA completed years ago but still causing problems (by: Lucinda123) 10 734
Top 10 Social topics from the IVA Forum
See the last 250 posts for Social topics
TitlePostsViews
60th Payment60th Payment (by: recovering) 11 342
Im strugglingIm struggling (by: lifenoteasy) 4 228
Cars, who would have themCars, who would have them (by: watzki) 6 314
They think its all over...... it is now.....They think its all over...... it is now..... (by: kallis3) 7 380
Creditfix and ppiCreditfix and ppi (by: Lisa Thomas) 20 1073
New car, hooray.New car, hooray. (by: Lisa Thomas) 5 238
Going quietGoing quiet (by: luluj) 5 289
Footys back........Hooraaaay!!Footys back........Hooraaaay!! (by: country girl) 229 32133
First challenge after ivaFirst challenge after iva (by: Anna.21) 10 460
iva acceptediva accepted (by: MerlinL14) 8 642
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 152444
Blog of the week winnerBlog of the week winner (by: lesley) 900 139585
Diet & Fitness 2012Diet & Fitness 2012 (by: lesley) 880 65954
IVA Process StartedIVA Process Started (by: Pennyless) 652 73893
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 34409
PJGPJG (by: ivamess) 424 47518
201213 Footy predictions.201213 Footy predictions. (by: lesley) 409 36963
Almost there with plucking up the courageAlmost there with plucking up the courage (by: jtmorris) 285 37570
Love, strength and supportLove, strength and support (by: MrsKnight) 279 22883
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 19203

See Top 250 Posts
All - Social Chat - Debt Questions - Most replies - Most views - IVA News
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About us at IVA.co.uk

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 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 information 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 information 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:
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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!!

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Important Information:
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 or call the IVA Helpline, we will pass on your details or connect you 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.

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