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IVA Forum

The forum run by people who have been through an IVA. Ask questions, share your IVA story and get expert iva advice from forum experts.

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Ask IVA Forum and Industry experts
Get expert opinion. This is the place for new questions to be posted.
Topics: 51811
51811
466879
Re: 2nd Review Time
by yodaguy
Thu Nov 20, 2025 9:45 am
Complaints procedure
Topics: 38
38
355
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 7:29 am
IVA approved!
Topics: 696
696
11689
Re: 27 feb iva accepted
by yodaguy
Thu Nov 20, 2025 7:59 am
a success story
Topics: 433
433
7223
Re: 2011-2017. Finally
by yodaguy
Thu Nov 20, 2025 6:33 am
Meet the experts
Meet the experts that answer your questions
Topics: 29
29
155
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 7:32 am
Forum etiquette
Topics: 3
3
53
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 7:33 am
clearing credit records: sample letter
Topics
Posts
Last post
template letter suggested by inaiva
Topics: 52
52
374
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 7:34 am
Chat : IVA support and keeping in touch
Topics
Posts
Last post
tips for IVA success
Topics: 134
134
1418
Re: 12 month review
by yodaguy
Wed Nov 19, 2025 5:58 pm
friends corner
Topics: 4298
4298
64186
Re: 2nd October
by yodaguy
Thu Nov 20, 2025 9:09 am
keeping in touch
Topics: 51
51
671
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 7:37 am
family forum
Topics: 30
30
384
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 7:38 am
how are you coping?
Topics: 111
111
1433
Re: 2nd IVA payment
by yodaguy
Thu Nov 20, 2025 8:56 am
money saving tips
Topics: 181
181
3274
Re: 2 4 1 voucher - Ask & Ziz…
by yodaguy
Thu Nov 20, 2025 2:31 am
talking about ...
Topics: 71
71
1381
Re: 10 pound holidays at Pont…
by yodaguy
Wed Nov 19, 2025 3:59 pm
pets corner
Topics: 96
96
2234
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 7:41 am
Cost of living in an IVA
Topics: 63
63
791
Currently in a Iva and grants!
by Lauren1995
Tue Oct 15, 2024 12:19 pm
weight watchers club
Topics: 25
25
1148
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 7:43 am
Disputes and IVA Mediation
Topics
Posts
Last post
Disputes and IVA Mediation
Helping to resolve consumer disputes
Topics: 75
75
1206
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 7:44 am
F.A.Q
Topics
Posts
Last post
new bank accounts for IVA
Topics: 123
123
1535
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 7:45 am
Harrassment by creditors ?
Topics: 70
70
1053
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 7:46 am
Payment Protection
Topics: 30
30
171
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 7:47 am
disability living allowance
Topics: 11
11
85
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 7:48 am
bonus, overtime, pay rises and windfalls
Topics: 152
152
1265
Re: 2nd payment
by yodaguy
Thu Nov 20, 2025 9:20 am
annual review
Topics: 140
140
1392
Re: 2nd review complicated an…
by yodaguy
Thu Nov 20, 2025 9:27 am
equity release
Topics: 125
125
971
Re: 2 years in IVA, can we re…
by yodaguy
Thu Nov 20, 2025 5:04 am
full and final settlements
Topics: 631
631
5689
Re: 2 yippees and 1 to go!! c…
by yodaguy
Thu Nov 20, 2025 5:45 am
charging orders
Topics: 12
12
103
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 7:54 am
mortgages
Topics: 186
186
1277
Re: 2nd mortgage - can I repl…
by yodaguy
Thu Nov 20, 2025 9:05 am
credit
Topics: 68
68
481
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 7:56 am
my car, can I keep it, repairs, etc
Topics: 81
81
580
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 7:57 am
self employed and company/business
Topics: 92
92
514
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 7:58 am
renting
Topics: 31
31
279
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 7:59 am
Frugal Friends Map
Topics
Posts
Last post
Frugal Friends Map
A UK map of all frugal friends, simply enter your postcode, (or that of a nearby landmark,) on your profile to be added.
Topics: 5
5
24
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 7:59 am
Put yourself on the map !
Topics: 9
9
151
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:00 am
IVA in the news
Topics
Posts
Last post
Latest IVA News
Topics: 618
618
1203
Re: 1point7 million household…
by yodaguy
Wed Nov 19, 2025 10:21 pm
feedback on the site? please add your comment !
Topics: 1
1
1
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:02 am
personal feedback on IVA
Topics
Posts
Last post
who would you recommend?
Topics: 37
37
364
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:03 am
IVA creditors meeting soon: wish me luck!
Topics: 40
40
626
Re: 12 month extension
by yodaguy
Wed Nov 19, 2025 5:44 pm
IVA completed !!
Topics: 136
136
1722
Re: 2nd meeting no objections
by yodaguy
Thu Nov 20, 2025 9:04 am
when the going gets tough
Topics
Posts
Last post
we salute the special people managing disability
Topics: 35
35
595
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:05 am
the IVA forum experts discuss
Topics
Posts
Last post
reclaiming bank charges while in an IVA
Topics: 31
31
153
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:06 am
Mortgage default under IVA
Topics: 5
5
46
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:07 am
IVA expenditure allowances
Topics: 43
43
474
by Shining
Mon Apr 15, 2013 1:48 pm
insurance
Topics: 15
15
125
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:09 am
thinking of making your first post ?
Topics: 119
119
1462
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:10 am
BTL property
Topics: 10
10
98
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:11 am
bank accounts and credit cards
Topics: 43
43
401
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:11 am
payment breaks
Topics: 10
10
52
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:12 am
What's new in blogland
Topics
Posts
Last post
blogland 2009
Topics: 7
7
86
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:13 am
blogland 2008
Topics: 4
4
56
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:14 am
andydavie.com
Topics
Posts
Last post
IVA Book - Information
[img]http://www.iva.co.uk/images/IVA_book_cover_small.gif[/img] - IVA.co.uk: Real Life IVA Stories. Published 23rd July 2008
Topics: 1
1
1
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:15 am
IVA.co.uk Book
All feedback gratefully received.
Topics: 2
2
28
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:16 am
andydavie.com
Topics: 2
2
26
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:17 am
If an IVA won't work for you
Topics
Posts
Last post
bankruptcy may be the best option
Topics: 65
65
581
Debt Service Center
by debtadvisory
Mon Feb 22, 2021 12:05 pm
meeting the OR
Topics: 33
33
659
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:18 am
Bankruptcy Forum
Visit our sister forum for help with bankruptcy.
Topics: 1
1
3
Re: Bankruptcy and Family pay…
by Foggy
Sun Mar 28, 2021 2:34 pm
bankruptcy
Topics: 340
340
2585
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:20 am
Debt Management
Topics: 31
31
232
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:21 am
Petition to stop access to insolvency register
Topics
Posts
Last post
IVA Register: Class Action to sue Government
Topics: 2
2
43
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:22 am
help abolish, regulate or limit access
join us and sign up !!
Topics: 1
1
1
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:23 am
Abuse of the Insolvency Register
Topics: 32
32
586
Re: 1st time post. Advice nee…
by yodaguy
Thu Nov 20, 2025 1:08 am
Unsolicited letters from the insolvency register
Topics: 2
2
18
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:25 am
Frugal Friends.
Topics
Posts
Last post
past frugal friends meetings
Topics: 26
26
1521
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:26 am
frugal friends meetings 2009
Topics: 2
2
33
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:26 am
Please help with research on creditor patterns
Topics
Posts
Last post
creditors who voted yes to IVA
Topics: 37
37
306
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:27 am
creditor contacts
experiences people in debt have when dealing with their creditors
Topics: 3
3
11
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:28 am
Voting results
Topics: 25
25
143
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:29 am
collating information about creditor voting
Please can people also enter this information here:
http://www.iva.co.uk/creditor_voting_list.asp

With enough information we hope to provide a guide on creditor voting patterns - useful to help figure out if IVA is likely to go through!
Topics: 3
3
32
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:30 am
TV.iva.co.uk - IVA Television Channel
Topics
Posts
Last post
Watch tv.iva.co.uk the dedicated IVA TV Channel
Topics: 2
2
3
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:31 am
postings 2008
Topics
Posts
Last post
postings for june
Topics: 659
659
7573
Re: 2nd IVA.
by yodaguy
Thu Nov 20, 2025 8:57 am
postings for july
Topics: 687
687
7955
Re: 2nd Arrears letter from B…
by yodaguy
Thu Nov 20, 2025 8:40 am
postings for august
Topics: 668
668
7817
Re: 2000th post
by yodaguy
Thu Nov 20, 2025 6:21 am
Happy xmas 2009 !!!
Topics: 6
6
78
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:35 am
postings for may
Topics: 660
660
7769
Re: 2 Years to go
by yodaguy
Thu Nov 20, 2025 5:41 am
blogging
Topics: 16
16
144
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:36 am
postings for march
Topics: 695
695
6668
Re: £175 to live to for next …
by yodaguy
Wed Nov 19, 2025 8:49 pm
postings for april
Topics: 756
756
7250
Re: 25% minimum - is this rig…
by yodaguy
Thu Nov 20, 2025 7:44 am
postings for january
Topics: 837
837
6403
Re: 2nd interview with OR
by yodaguy
Thu Nov 20, 2025 8:53 am
postings for february
Topics: 763
763
6472
Re: 2nd Bank Account
by yodaguy
Thu Nov 20, 2025 8:43 am
IVA postbag 2007
Topics
Posts
Last post
communicating with creditors prior to IVA
Topics: 46
46
397
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:41 am
hot hot hot topics in 2007 ! more than 60 replies
Topics: 11
11
837
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:42 am
the hot hot IVA topics in 2007, 20 replies plus
Topics: 219
219
6415
Re: 29.72 pounds to live on a…
by yodaguy
Thu Nov 20, 2025 8:07 am
new postings for December
Topics: 309
309
2462
Re: 2008 & Numerolgy
by yodaguy
Thu Nov 20, 2025 6:24 am
bankruptcy approved, what a relief!!
Topics: 36
36
489
Win a Prize Worth Up to $100,…
by Rkm
Thu Oct 23, 2025 8:44 am
postings for november
Topics: 515
515
4235
Re: 2 year no variation clause
by yodaguy
Thu Nov 20, 2025 4:45 am
postbag for september
Topics: 459
459
4038
Re: 200 pounds a month is jus…
by yodaguy
Thu Nov 20, 2025 6:13 am
postbag for october
Topics: 538
538
5267
Re: 2 Questions:
by yodaguy
Thu Nov 20, 2025 4:31 am
IVA postbag for august
Topics: 419
419
2936
Re: 2 quick questions
by yodaguy
Thu Nov 20, 2025 4:38 am
IVA postbag for july
Topics: 369
369
2463
Re: 2 weeks adjourned
by yodaguy
Thu Nov 20, 2025 4:41 am
IVA postbag for june
Topics: 401
401
2836
Re: 100p
by yodaguy
Wed Nov 19, 2025 4:45 pm
IVA postbag for may
Topics: 378
378
2614
Re: 19 months left of my IVA,…
by yodaguy
Wed Nov 19, 2025 9:39 pm
IVA postbag for march
Topics: 398
398
2551
Re: ???????????
by yodaguy
Wed Nov 19, 2025 12:56 pm
IVA postbag for april
Topics: 286
286
1916
Re: need some advice quick pl…
by Foggy
Fri Jan 17, 2020 12:47 pm
IVA postbag for january
Topics: 259
259
1701
Re: 2nd payment
by yodaguy
Thu Nov 20, 2025 9:19 am
IVA postbag for february
Topics: 381
381
2005
Re: 2 years into IVA need ne…
by yodaguy
Thu Nov 20, 2025 5:20 am
friends corner: chat in 2007
Topics: 140
140
1095
by whichwaynow
Sat Dec 29, 2007 7:38 pm
for moderators
Topics
Posts
Last post
for moderators
Topics: 10
10
355
by cj2300
Thu Oct 14, 2010 5:09 pm
Happy New Year, and Happy New Decade!
Topics: 1
1
1
by admin
Thu Jan 14, 2010 11:41 pm
Category
Topics
Posts
Last post
how you were getting on in 2006
Topics: 91
91
852
by cazmumto4
Sat Nov 25, 2006 6:08 pm
past debt debates
Topics: 5
5
79
by admin
Sun May 04, 2008 12:17 pm

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