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Top 150 Debt Questions from the IVA Forum
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TitlePostsViews
What banks currently allow new customers with an IVA to open an account?What banks currently allow new customers with an IVA to open an account? (by: hubert) 3 18
I like the idea of an IVA except I dont understand how it will affect my house ?I like the idea of an IVA except I dont understand how it will affect my house ? (by: Foggy) 2 15
We have Mortgage arrears and have now received a repossession court date.We have Mortgage arrears and have now received a repossession court date. (by: Mary.m) 1 20
Good news Natwest bankersGood news Natwest bankers (by: ivamess) 7 224
Today I Spoke to CreditFixToday I Spoke to CreditFix (by: Rickne) 45 1604
Spouses Bank StatementsSpouses Bank Statements (by: Foggy) 2 63
Ive Really Messed Up  Any way back?Ive Really Messed Up Any way back? (by: Low) 9 419
Back dated payBack dated pay (by: Foggy) 4 65
Do you have to stay with the same IVA people ? Can a forgotten debt be added to IVA ?Do you have to stay with the same IVA people ? Can a forgotten debt be added to IVA ? (by: plasticdaft) 3 68
Is it possible to use the  help to buy scheme with an IVA in place?Is it possible to use the help to buy scheme with an IVA in place? (by: Foggy) 2 54
Please help. Im at my wits end and dont know what to do about demands to double monthly paymentsPlease help. Im at my wits end and dont know what to do about demands to double monthly payments (by: Tania.d) 4 114
Advised that creditors will not accept reduced payments and will pursue bankruptcyAdvised that creditors will not accept reduced payments and will pursue bankruptcy (by: bobbydavro) 3 112
Do I have to submit my limited companys accounts for my yearly IVA review?Do I have to submit my limited companys accounts for my yearly IVA review? (by: Michael Peoples) 5 57
Can some money be kept from PPI refund due to the windfall clause ?Can some money be kept from PPI refund due to the windfall clause ? (by: Foggy) 2 58
Wage riseWage rise (by: chrisA) 5 249
Step change refusing to allow ex to keep some of PPI to replace  carStep change refusing to allow ex to keep some of PPI to replace car (by: Foggy) 11 326
We have been asked to pay an upfront fee of £375We have been asked to pay an upfront fee of £375 (by: Michael Peoples) 11 347
Can I use pension funds to offer a F & F ?Can I use pension funds to offer a F & F ? (by: welshwiz) 4 174
Is there any way I can keep any of my back pay from work?Is there any way I can keep any of my back pay from work? (by: Michael Peoples) 5 243
Am I within my rights to say no to a home visit for my annual review ?Am I within my rights to say no to a home visit for my annual review ? (by: Radish) 38 2028
Hi  I wonder if you can help me.  Is there any way I go onto my wifes mortgage ?Hi I wonder if you can help me. Is there any way I go onto my wifes mortgage ? (by: luluj) 4 192
How can I prove expenditure has gone up due to cost of living without receipts.How can I prove expenditure has gone up due to cost of living without receipts. (by: luluj) 5 269
Worst case scenario annual reviewWorst case scenario annual review (by: Garcks) 7 314
Surely the amount that DFD are saying I need to repay is incorrect ?Surely the amount that DFD are saying I need to repay is incorrect ? (by: Foggy) 2 182
Down to my last 5 payments, not sure if  I will have to do another 12 months ?Down to my last 5 payments, not sure if I will have to do another 12 months ? (by: Foggy) 61 12844
I was told at the start of my IVA it would only last 5 yearsI was told at the start of my IVA it would only last 5 years (by: Foggy) 3 212
Mortgage DiscountMortgage Discount (by: MikeyM) 14 358
I would like to start a gym membershipI would like to start a gym membership (by: lesley) 7 289
Creditfix modification of terms & conditions.Creditfix modification of terms & conditions. (by: Rock20) 37 1479
F &F WITH CREDITFIXF &F WITH CREDITFIX (by: Foggy) 2 258
I did not disclose earnings during payment break. Now looking for adviceI did not disclose earnings during payment break. Now looking for advice (by: Michael Peoples) 49 2302
I currently trying to apply for a remortgageI currently trying to apply for a remortgage (by: Michael Peoples) 2 144
Dear experts, i have a major problem within my IVA and need some advice.Dear experts, i have a major problem within my IVA and need some advice. (by: Andy Davie) 4 430
I owe money to maybe 5 or 6 creditors and not sure how much.I owe money to maybe 5 or 6 creditors and not sure how much. (by: Michael Peoples) 3 265
How would a no contract job with minimum wage be factored into an IVA ?How would a no contract job with minimum wage be factored into an IVA ? (by: Michael Peoples) 2 272
I am finding the expenditurs guidelines, which my IVA are apparently sticking to, are lowI am finding the expenditurs guidelines, which my IVA are apparently sticking to, are low (by: Michael Peoples) 5 506
Can I use refunded tax to go towards a balancing payment due in July 2015 ?Can I use refunded tax to go towards a balancing payment due in July 2015 ? (by: Michael Peoples) 2 339
Considering making a F & F offer and I am worried about the equity in my propertyConsidering making a F & F offer and I am worried about the equity in my property (by: worriedconfused.com) 9 303
Can I be made to pay more ? One and a half payments to make then IVA is completeCan I be made to pay more ? One and a half payments to make then IVA is complete (by: Foggy) 2 246
Hi, i just want to know if my IVA affects how much I pay to my ex ?Hi, i just want to know if my IVA affects how much I pay to my ex ? (by: Radish) 3 328
Hi, is there any way we can get a joint mortgage while I am in an IVA ?Hi, is there any way we can get a joint mortgage while I am in an IVA ? (by: Foggy) 3 264
I am considering take 25% of my pension to pay off the IVA. Any help appreciated.I am considering take 25% of my pension to pay off the IVA. Any help appreciated. (by: Foggy) 2 243
Can the IVA supervisor extend the IVA ?Can the IVA supervisor extend the IVA ? (by: Foggy) 2 382
Budget allowancesBudget allowances (by: Foggy) 13 842
Looking for advice about selling property while in an IVALooking for advice about selling property while in an IVA (by: luluj) 3 393
Do you think creditors will agree to my brothers offer to pay off IVA early ?Do you think creditors will agree to my brothers offer to pay off IVA early ? (by: luluj) 4 369
3rd year review3rd year review (by: lesley) 8 1434
PPIPPI (by: Foggy) 2 424
Is IVA or Bankruptcy the best solution?Is IVA or Bankruptcy the best solution? (by: Foggy) 5 419
As I have been sold on I would prefer advice about accident compensation before contacting IVAAs I have been sold on I would prefer advice about accident compensation before contacting IVA (by: ridingthestorm) 9 552
Completion Certificate Received todayCompletion Certificate Received today (by: luluj) 24 1759
Additional overtime paymentAdditional overtime payment (by: Foggy) 5 486
I have just had a visit this week from a rep. from Creditfix.I have just had a visit this week from a rep. from Creditfix. (by: CreditKing) 10 689
Told completion wont go ahead with out signing the deed of assignment form which I refuse to signTold completion wont go ahead with out signing the deed of assignment form which I refuse to sign (by: Jeffrey.d) 16 973
Thoughts please on NRAMs stance. They are wanting 7 years for IVA if no equityThoughts please on NRAMs stance. They are wanting 7 years for IVA if no equity (by: Michael Peoples) 2 482
Message from Creditfix to PGJ ClientsMessage from Creditfix to PGJ Clients (by: hubert) 6 1689
Moving abroad.  Would this qualify for a payment break ?Moving abroad. Would this qualify for a payment break ? (by: Michael Peoples) 4 474
Car loanCar loan (by: lesley) 5 592
Waiting since June 2012 for overpayment to be refunded to us from GTWaiting since June 2012 for overpayment to be refunded to us from GT (by: strummer65) 3 430
pensionpension (by: Foggy) 2 474
Creditfix say it will cost 2 monthly charges up front.  Can I cancel ?Creditfix say it will cost 2 monthly charges up front. Can I cancel ? (by: hubert) 33 1497
Hi, Im new to the forum. Would it be possible to agree a lump sum offer from my pension?Hi, Im new to the forum. Would it be possible to agree a lump sum offer from my pension? (by: Foggy) 11 649
F and F offerF and F offer (by: Steve.123) 4 567
Help.. Not sure where we stand!Help.. Not sure where we stand! (by: Foggy) 8 755
Will I be able to get a mortgage?  IVA completed about 3 years ago.Will I be able to get a mortgage? IVA completed about 3 years ago. (by: Lee.12) 12 736
Can a contingent creditor be added to IVA ?Can a contingent creditor be added to IVA ? (by: Michael Peoples) 3 494
Is it a good idea to send  chairmans report to prove IVA ?Is it a good idea to send chairmans report to prove IVA ? (by: ilikewatch) 3 507
How long can terms be extended ?How long can terms be extended ? (by: Foggy) 2 403
Can IVA be extended if income increases ?Can IVA be extended if income increases ? (by: Foggy) 2 514
Creditors meetingCreditors meeting (by: Foggy) 2 476
Landlord refuses to disclaim my lease but has accepted IVA proposal.Landlord refuses to disclaim my lease but has accepted IVA proposal. (by: Michael Peoples) 2 528
PJG to Creditfix  IVA CompletionPJG to Creditfix IVA Completion (by: Cleo76) 6 752
Review has doubled my payments. I am considering bankruptcy.Review has doubled my payments. I am considering bankruptcy. (by: hubert) 3 632
Since August 4th nobody has been abe to find my over paid money.Since August 4th nobody has been abe to find my over paid money. (by: Foggy) 3 550
PJGPJG (by: recovering) 416 24904
Almost nearly there!Almost nearly there! (by: ontheroad) 6 738
BonusBonus (by: bobbydavro) 16 1175
Are there rules that IVA companies must follow ?Are there rules that IVA companies must follow ? (by: Foggy) 5 583
I now have th change DDs. Is it going to be the nightmare I suspect it might be ?I now have th change DDs. Is it going to be the nightmare I suspect it might be ? (by: hubert) 11 773
Declined for Santander Joint AccountDeclined for Santander Joint Account (by: lesley) 8 725
Equity Release?Equity Release? (by: Carl.ph) 6 663
PPI delaysPPI delays (by: saltyseaplumbs) 4 2986
HiI have been informed that someone who owes me money has attempted to set up an IVAHiI have been informed that someone who owes me money has attempted to set up an IVA (by: Michael Peoples) 2 621
If I enter into an IVA will I still be able to keep trading ?If I enter into an IVA will I still be able to keep trading ? (by: Foggy) 3 584
Can the current years Council tax be included in an IVA ?Can the current years Council tax be included in an IVA ? (by: Foggy) 3 571
How do I get myself a new home and furnish it ? I have recently split from husbandHow do I get myself a new home and furnish it ? I have recently split from husband (by: Michael Peoples) 2 545
Decalring umpaid monies in IVADecalring umpaid monies in IVA (by: Michael Peoples) 2 623
My IVA has been extended for 12 months. This not mentioned in any documents.My IVA has been extended for 12 months. This not mentioned in any documents. (by: Foggy) 3 652
Providing we keep up the IVA payments, do you forsee any problems with our plans ?Providing we keep up the IVA payments, do you forsee any problems with our plans ? (by: Michael Peoples) 3 693
We have been on a pay break to sell house but it hasnt sold. Any advice please?We have been on a pay break to sell house but it hasnt sold. Any advice please? (by: Foggy) 2 579
Can I get my money back from my old bank account which has been frozen ?Can I get my money back from my old bank account which has been frozen ? (by: Foggy) 2 588
Im a little confused about remortgaging for equityIm a little confused about remortgaging for equity (by: Foggy) 2 656
We are desperate to buy a house. IVA finally closed 31st October.We are desperate to buy a house. IVA finally closed 31st October. (by: Ryan) 4 635
Enforcement of judgements letterEnforcement of judgements letter (by: susan.t) 12 1241
Banking with an old creditorBanking with an old creditor (by: Pingu) 12 1013
DFD Closure ProcessDFD Closure Process (by: Foggy) 22 4162
Why does our credit report show IVA as active when last payment was 2 years ago ?Why does our credit report show IVA as active when last payment was 2 years ago ? (by: Foggy) 3 677
VanquisVanquis (by: Foggy) 11 949
Surely PPI money should be deducted from the total ?Surely PPI money should be deducted from the total ? (by: Foggy) 4 608
My other half has just had a full and final offer rejected. Any advice would be appreciatedMy other half has just had a full and final offer rejected. Any advice would be appreciated (by: Steven Hewitt) 3 867
Can anyone advise where I can go to try and get my mortgage payments down ?Can anyone advise where I can go to try and get my mortgage payments down ? (by: bridgey) 3 657
New Job and IVANew Job and IVA (by: Michael Peoples) 6 717
Wondering if our extra payments could be cancelled because of large amounts of PPI ?Wondering if our extra payments could be cancelled because of large amounts of PPI ? (by: Radish) 6 763
Hi, A question about how HMRC debts are treated in IVAHi, A question about how HMRC debts are treated in IVA (by: Michael Peoples) 2 679
Hi, I was wandering what the acceptance rate is with an IVAHi, I was wandering what the acceptance rate is with an IVA (by: Michael Peoples) 6 736
How do I rectify breach due to another person taking out hp on my behalf ?How do I rectify breach due to another person taking out hp on my behalf ? (by: Foggy) 3 718
IVA is in my name only. Does my husband get to keep any of his increased earnings ?IVA is in my name only. Does my husband get to keep any of his increased earnings ? (by: Sarahd7869) 7 744
Can any creditor put a charge on against my house as well as the IVA ?Can any creditor put a charge on against my house as well as the IVA ? (by: Foggy) 3 582
Wording a letter in the correct way for a full and final offer ?Wording a letter in the correct way for a full and final offer ? (by: Foggy) 3 699
No contact from GTNo contact from GT (by: Lollipop) 10 1833
Defaults?Defaults? (by: Foggy) 9 598
I am in an IVA, would I be allowed a Very catalogue ?I am in an IVA, would I be allowed a Very catalogue ? (by: country girl) 8 873
I have just made a full and final offer. What are the chances of this being accepted ?I have just made a full and final offer. What are the chances of this being accepted ? (by: kazzafunk) 5 654
Why are DID still wanting me to sign PPI forms ? i have just paid off my IVA early.Why are DID still wanting me to sign PPI forms ? i have just paid off my IVA early. (by: Foggy) 2 664
Can I get out of my IVA ?Can I get out of my IVA ? (by: Foggy) 2 686
Personal Injury ClaimPersonal Injury Claim (by: kazzafunk) 4 797
I am feeling deflated. Have certificate yet told we still cant get credit 7 years later.I am feeling deflated. Have certificate yet told we still cant get credit 7 years later. (by: Foggy) 6 913
How do I ensure that my details are removed from my credit file after the 6 years are up ?How do I ensure that my details are removed from my credit file after the 6 years are up ? (by: Foggy) 3 771
Waiting for completion with DFD after 2 yrsWaiting for completion with DFD after 2 yrs (by: Foggy) 11 858
I am desperate to get a mortgageI am desperate to get a mortgage (by: lesley) 7 883
Hi, how much of your disposable income is DFD allowed to take ?Hi, how much of your disposable income is DFD allowed to take ? (by: Evette Everest) 7 1113
Substantial Pay DropSubstantial Pay Drop (by: Michael Peoples) 6 947
Should fuel costs and reductions in tax credits be taken in consideration ?Should fuel costs and reductions in tax credits be taken in consideration ? (by: Michael Peoples) 6 998
My IVA finished after 5 years. Will the hold on house sale last 6 years still ?My IVA finished after 5 years. Will the hold on house sale last 6 years still ? (by: Andy Davie) 3 749
Grant Thornton... completion certificate???Grant Thornton... completion certificate??? (by: lesley) 4 898
Intresting PPI issueIntresting PPI issue (by: jimi1) 5 924
4 months and in trouble.4 months and in trouble. (by: bobbydavro) 10 1527
Is this a realistic full and final offer ?Is this a realistic full and final offer ? (by: Foggy) 5 825
in a joint mortgage, do both parties qualify for deminimis over 85% of house value ?in a joint mortgage, do both parties qualify for deminimis over 85% of house value ? (by: esgt1967) 4 851
I have just received a payment from an IVA. Am I entitled to interest ?I have just received a payment from an IVA. Am I entitled to interest ? (by: Foggy) 2 782
Do I have to declare shares given as a bonus to share in companies success ?Do I have to declare shares given as a bonus to share in companies success ? (by: kazzafunk) 5 888
A creditor has been defaulting me on a monthly basis. How should I sort this out ?A creditor has been defaulting me on a monthly basis. How should I sort this out ? (by: beaumontblu) 20 1067
Positive post re DFDPositive post re DFD (by: TzeKin) 6 1011
if I pay balance directly with creditors, can I get a mortgage ?if I pay balance directly with creditors, can I get a mortgage ? (by: Foggy) 4 620
Concerned that Step change advise us to pay creditors until the IVA has been approved.Concerned that Step change advise us to pay creditors until the IVA has been approved. (by: Foggy) 9 1662
I Have only ever received one annuaal review.  I have been in an IVA for 5 years next August.I Have only ever received one annuaal review. I have been in an IVA for 5 years next August. (by: plasticdaft) 3 939
Year 4 and my husband has just lost his job. What will this mean for us ?Year 4 and my husband has just lost his job. What will this mean for us ? (by: plasticdaft) 4 1111
Is it correct that money available but actually left in the pension pot is not a windfall ?Is it correct that money available but actually left in the pension pot is not a windfall ? (by: plasticdaft) 4 1001
Still no completion!Still no completion! (by: Nichola.70) 5 785
I would like to offer my annual bonus towards a full and final offer.I would like to offer my annual bonus towards a full and final offer. (by: plasticdaft) 3 985
Can you get al life time mortgage if you have an IVA ?Can you get al life time mortgage if you have an IVA ? (by: Foggy) 2 952
Can I leave my IVA and arrange a payment plan direct with my creditors ?Can I leave my IVA and arrange a payment plan direct with my creditors ? (by: Foggy) 4 944
Another yearAnother year (by: plasticdaft) 5 1178
Can a matured mortgage balance be included in an IVA?Can a matured mortgage balance be included in an IVA? (by: Michael Peoples) 2 873
What are the chances of getting a mortgage ?What are the chances of getting a mortgage ? (by: Ryan) 4 1030
Last Annual review has come back.Last Annual review has come back. (by: sharky980) 7 1284
I have not got this years p60 or last months payslip. Will this affect my review ?I have not got this years p60 or last months payslip. Will this affect my review ? (by: Foggy) 3 1053
Is it possible to change an Insolvency practitioner ?Is it possible to change an Insolvency practitioner ? (by: Foggy) 4 1041
Can DFD inrease my payments when I have paid 100 % back ?Can DFD inrease my payments when I have paid 100 % back ? (by: Foggy) 3 1056
I am concerned that I may lose my house.I am concerned that I may lose my house. (by: Foggy) 3 1011

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Reviews for IVA.co.uk
IVA.co.uk is rated 4.9 on a scale of 5 based on on reviewcentre.com.
Latest review:
So Glad We Did It - by , 19/09/2012
5/ 5stars
I have to admit to being less than keen to investigate the idea of an IVA as we had already gone down the route of a DMP with another company but this hadn't worked out. Hubby pushed for an IVA and started the ball rolling, however once we had started the process i soon realised how beneficial this would be. Andy Davie at Vincent Bond was fantastic, he went through the whole process with us fully and explained everyhing thoroughly. We are now almost 2 years in and haven't looked back.