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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
Full & final offer accepted today.Full & final offer accepted today. (by: kallis3) 2 19
Hello Laura (DFD). Please could you look into info I sent about my husband s  death.Hello Laura (DFD). Please could you look into info I sent about my husband s death. (by: Barbara.05) 94 9818
Protocol calculation shows negative equity yet IVA company has extended IVA for 12 months.Protocol calculation shows negative equity yet IVA company has extended IVA for 12 months. (by: Tracey.r) 6 134
Can I leave my IVA ? I initially thought this was a free government scheme.Can I leave my IVA ? I initially thought this was a free government scheme. (by: relieved33) 16 279
Have been informed that all the proceeds of house sale will go to IVA.  Is this correct ?Have been informed that all the proceeds of house sale will go to IVA. Is this correct ? (by: lifenoteasy) 13 338
After my partner became ill with cancer a F&F was accepted and paid but there was a short fallAfter my partner became ill with cancer a F&F was accepted and paid but there was a short fall (by: kallis3) 3 97
Report received todayReport received today (by: kallis3) 12 262
We finished IVA in 2007, now Aperture have asked us to remortgage. Can they ask for this ?We finished IVA in 2007, now Aperture have asked us to remortgage. Can they ask for this ? (by: lifenoteasy) 6 180
Post IVA  the past and future...Post IVA the past and future... (by: podmoo) 46 4490
I need my IVA certificate ASAP.  The sticking point is the sale of a shared ownership property.I need my IVA certificate ASAP. The sticking point is the sale of a shared ownership property. (by: Lisa Thomas) 3 103
Last payment December 2015. Is IVA company able to use yet another PPI company ?Last payment December 2015. Is IVA company able to use yet another PPI company ? (by: Lisa Thomas) 3 112
Varden Nuttal are asking for a letter from my Mum.  I dont want to worry her as she is 87Varden Nuttal are asking for a letter from my Mum. I dont want to worry her as she is 87 (by: Lisa Thomas) 4 138
Secured loan Interest ratesSecured loan Interest rates (by: Enjoyingthesmallthings) 3 269
Thinking of applying to Vanquis for a card.Thinking of applying to Vanquis for a card. (by: Richarddc36) 10 327
I am an executor of an account and will be paying money to beneficiary who is in an IVA.I am an executor of an account and will be paying money to beneficiary who is in an IVA. (by: Lisa Thomas) 5 228
Creditors did not vote because they wanted more evidence of when I stopped gambling.Creditors did not vote because they wanted more evidence of when I stopped gambling. (by: Lisa Thomas) 8 222
If we sell our caravan will the IVA take the proceeds ? We need the money to rent privately.If we sell our caravan will the IVA take the proceeds ? We need the money to rent privately. (by: Lisa Thomas) 3 241
3rd Review complete CF3rd Review complete CF (by: abbiesmum2003) 8 428
Remortgage after ivaRemortgage after iva (by: Lisa Thomas) 4 204
Is it correct that if we cant mortgage after a 12 month extension the IVA would be complete ?Is it correct that if we cant mortgage after a 12 month extension the IVA would be complete ? (by: Lisa Thomas) 8 255
I took out a loan and then stupidly gambled everything away. Now applying for an IVA.I took out a loan and then stupidly gambled everything away. Now applying for an IVA. (by: Lisa Thomas) 29 1951
How long does it usually take to put forward a F&F offer ? Would appreciate any comments.How long does it usually take to put forward a F&F offer ? Would appreciate any comments. (by: NMC) 6 271
We have done it. 7 long hard years have ended. How quick are Aperture at finalising IVA ?We have done it. 7 long hard years have ended. How quick are Aperture at finalising IVA ? (by: lesley) 19 1190
I am in an IVA, am currently unemployed and caring for my disabled mother.I am in an IVA, am currently unemployed and caring for my disabled mother. (by: Lisa Thomas) 6 771
Opinions please about the requirement that we still have to pay an additional 12 monthsOpinions please about the requirement that we still have to pay an additional 12 months (by: Lisa Thomas) 8 442
Would an IVA make me use equity even though my partner is not in the agreement ?Would an IVA make me use equity even though my partner is not in the agreement ? (by: Lisa Thomas) 5 350
I believe an error has been made. Told I have to pay another month. Where do I stand ?I believe an error has been made. Told I have to pay another month. Where do I stand ? (by: Lisa Thomas) 3 383
Will we be able to get a small lifetime retirement mortgage after completing our IVA ?Will we be able to get a small lifetime retirement mortgage after completing our IVA ? (by: Lisa Thomas) 3 368
Very confused as to what Cleardept and DWP can do and cant do about benefit paymentsVery confused as to what Cleardept and DWP can do and cant do about benefit payments (by: Lisa Thomas) 4 422
I am worried sick about having to do income expenditure forms again after 7 years IVAI am worried sick about having to do income expenditure forms again after 7 years IVA (by: kallis3) 7 521
Top 10 Social topics from the IVA Forum
See the last 250 posts for Social topics
TitlePostsViews
IVA completionIVA completion (by: relieved33) 6 85
They have all gone.They have all gone. (by: country girl) 14 301
ReMortgageReMortgage (by: lesley) 4 126
What are your top five ways to save money?What are your top five ways to save money? (by: lesley) 154 27609
In which thing can i save moneyIn which thing can i save money (by: Estella) 11 5047
Final PaymentFinal Payment (by: relieved33) 2 276
Life UpdateLife Update (by: MerlinL14) 5 338
iva completediva completed (by: MerlinL14) 5 373
Final Review?Final Review? (by: kallis3) 2 369
end of ivaend of iva (by: lesley) 2 362
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 137138
Blog of the week winnerBlog of the week winner (by: lesley) 900 135832
Diet & Fitness 2012Diet & Fitness 2012 (by: lesley) 880 64761
IVA Process StartedIVA Process Started (by: Pennyless) 652 71856
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 33132
PJGPJG (by: ivamess) 424 44909
201213 Footy predictions.201213 Footy predictions. (by: lesley) 409 35938
Almost there with plucking up the courageAlmost there with plucking up the courage (by: jtmorris) 285 36797
Love, strength and supportLove, strength and support (by: MrsKnight) 279 22207
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 18181

See Top 250 Posts
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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.