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Top 30 Debt Questions from the IVA Forum
See the last 30 posts for Debt Questions
TitlePostsViews
Creditfix say they cant call a creditors meeting before a mass variation with PJG creditors.Creditfix say they cant call a creditors meeting before a mass variation with PJG creditors. (by: Michael Peoples) 6 164
Im in deep trouble. Harrington Brooks insist on increased payment as wife is not interested in IVA.Im in deep trouble. Harrington Brooks insist on increased payment as wife is not interested in IVA. (by: Michael Peoples) 11 274
DefaultsDefaults (by: Foggy) 11 227
New Head of Insolvency at DFDNew Head of Insolvency at DFD (by: Doneover) 33 3365
Worried that I have a lot of equity in my houseWorried that I have a lot of equity in my house (by: Michael Peoples) 8 227
Can a second IVA be taken out after failure of first ? I am now in a better financial positionCan a second IVA be taken out after failure of first ? I am now in a better financial position (by: Foggy) 3 65
I am a bit confused about variation. I havent been told by DFD what I am being charged for.I am a bit confused about variation. I havent been told by DFD what I am being charged for. (by: Evette Everest) 3 126
Im 4 yrs into my Ive & Im sure I didnt sign RX1Im 4 yrs into my Ive & Im sure I didnt sign RX1 (by: Lisa Thomas) 3 79
Ive been told that in certain circumstances the last 3 months of IVA are cancelled.Ive been told that in certain circumstances the last 3 months of IVA are cancelled. (by: Lisa Thomas) 7 156
Can I get my own house valuation?  I dont agree with IPs valuation.Can I get my own house valuation? I dont agree with IPs valuation. (by: Michael Peoples) 23 2084
unfair or not?unfair or not? (by: Lisa Thomas) 9 161
Foggy and Frugal FriendsFoggy and Frugal Friends (by: Lisa Thomas) 18 381
Why so long to close?Why so long to close? (by: MrsR) 10 499
Equity release.  This is the part we have been dreading. Can you question valuation ?Equity release. This is the part we have been dreading. Can you question valuation ? (by: nursecrippin) 12 221
Last payment to Clear Debt December 2012, still no letter of discharge despite my phone calls.Last payment to Clear Debt December 2012, still no letter of discharge despite my phone calls. (by: Foggy) 2 95
Max RecoveryMax Recovery (by: Indeep) 13 445
ICO  Insolvency RegisterICO Insolvency Register (by: lifenoteasy) 3 139
ClearDebt and Mass VariationClearDebt and Mass Variation (by: Dougie) 26 3104
Will I get a certificate after settling IVA ?Will I get a certificate after settling IVA ? (by: James83) 5 138
Early Settlement?Early Settlement? (by: Foggy) 12 162
Will the year spent paying DMP come off the duration of my IVA ?Will the year spent paying DMP come off the duration of my IVA ? (by: Peejayel) 5 247
12 payments made12 payments made (by: Rickne) 6 175
Will my husbands IVA, completed 2010, go against us on the help to buy scheme ?Will my husbands IVA, completed 2010, go against us on the help to buy scheme ? (by: Michael Peoples) 3 142
When initially entering the IVA my property was in negative equity but this has changedWhen initially entering the IVA my property was in negative equity but this has changed (by: Foggy) 3 156
Finished five year IVA in November 2014. Where do I start tidying up credit reports ?Finished five year IVA in November 2014. Where do I start tidying up credit reports ? (by: Foggy) 2 133
We are both in an IVA.  What if my partner fails hers  ? What happens to mortgage ?We are both in an IVA. What if my partner fails hers ? What happens to mortgage ? (by: Lisa Thomas) 3 230
What happens if someone receives a legacy in premium bonds ?What happens if someone receives a legacy in premium bonds ? (by: Lisa Thomas) 5 247
I have not be contacted by IVA company for 4 years despite my phone calls.I have not be contacted by IVA company for 4 years despite my phone calls. (by: Lisa Thomas) 4 432
Im just coming up to my first year on an IVA and now self employed. Will my IVA still be OK ?Im just coming up to my first year on an IVA and now self employed. Will my IVA still be OK ? (by: vlc1507) 4 171
Just wondered how long it takes to draft a variation document.Just wondered how long it takes to draft a variation document. (by: Steven1001) 8 445
Top 10 Social topics from the IVA Forum
See the last 250 posts for Social topics
TitlePostsViews
Frugal FriendsFrugal Friends (by: lesley) 9 100
Annual ReportAnnual Report (by: stepbystep) 10 221
Clydesdale Bank fined £20.7millionClydesdale Bank fined £20.7million (by: Foggy) 2 125
decisionsdecisions (by: lifenoteasy) 8 241
Creditfix unexpected chargesCreditfix unexpected charges (by: relieved33) 10 290
What is realWhat is real (by: luluj) 11 344
Did 5 years financial education workDid 5 years financial education work (by: MerlinL14) 16 738
Variation meeting monthly payment too highVariation meeting monthly payment too high (by: annierose) 1 185
LLoyds After Iva Warning!LLoyds After Iva Warning! (by: Gina.gu) 11 833
First Year DoneFirst Year Done (by: Lisa Thomas) 9 565
Top 10 Most viewed topics from the IVA Forum
See the last 250 posts for Most viewed topics
TitlePostsViews
Blog of the week winnerBlog of the week winner (by: relieved33) 886 119739
Spring time thinnies :)Spring time thinnies :) (by: kallis3) 1064 118585
entered or going into IVA since feb 08?entered or going into IVA since feb 08? (by: Truly) 24 104891
IVA Process StartedIVA Process Started (by: Pennyless) 652 68076
GRANT THORNTONGRANT THORNTON (by: kallis3) 42 67767
Diet & Fitness 2012Diet & Fitness 2012 (by: lesley) 880 58829
NCO Europe Ltd trading as RMANCO Europe Ltd trading as RMA (by: Bradley) 29 54023
Help!Help! (by: MelanieGiles) 7 51685
Mortgage in PrincipalMortgage in Principal (by: Irishrams) 116 50229
IVA Advice bureauIVA Advice bureau (by: ivas4us) 48 49700

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!!

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


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.