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TitlePostsViews
IVA states my spouse will have to get a job or claim benefit.  Where do I stand ?IVA states my spouse will have to get a job or claim benefit. Where do I stand ? (by: Zippy6971) 16 2015
is this anything to worry about ?  Received my CC, now being passed to debt collectors ?is this anything to worry about ? Received my CC, now being passed to debt collectors ? (by: Foggy) 3 101
Do I have to declare a one off bonus if my IVA has not be set up yet ?Do I have to declare a one off bonus if my IVA has not be set up yet ? (by: kallis3) 3 87
Finnished!!!!!!!Finnished!!!!!!! (by: Foggy) 24 1247
Do you think creditors would be willing to accept this F&F offer ?Do you think creditors would be willing to accept this F&F offer ? (by: Charly.p) 15 271
I just want to say a massive thanks to everyone from McD. I can highly recommend them.I just want to say a massive thanks to everyone from McD. I can highly recommend them. (by: MG12) 14 1509
Both my partners and my name are on deeds. Looking to switch mortgage to my name only.Both my partners and my name are on deeds. Looking to switch mortgage to my name only. (by: Shaun Vickery) 4 162
I own a second property which gives me an income. I do not work. How will IVA be affected ?I own a second property which gives me an income. I do not work. How will IVA be affected ? (by: Lisa Thomas) 11 311
Would any one recommend Creditfix ?Would any one recommend Creditfix ? (by: grimswold) 10 1261
If I cannot stay on interest only mortgage I cannot continue.  Devastating after 5 yearsIf I cannot stay on interest only mortgage I cannot continue. Devastating after 5 years (by: kallis3) 70 7416
The end my FriendsYipeeeThe end my FriendsYipeee (by: kentgirl) 8 283
EquityEquity (by: kallis3) 4 147
1. Can I have new unsecured credit during an IVA  ?1. Can I have new unsecured credit during an IVA ? (by: kallis3) 5 224
F and F with payplanF and F with payplan (by: KAZZA) 50 7236
I am in the final year of my IVA  and recently become a limited company.I am in the final year of my IVA and recently become a limited company. (by: Lisa Thomas) 7 266
I an I V A what does accept with discretion and accept without discretion mean ?I an I V A what does accept with discretion and accept without discretion mean ? (by: Michael Peoples) 2 181
I have made Stepchange a F&F offer from the sale of my house.I have made Stepchange a F&F offer from the sale of my house. (by: Michael Peoples) 15 1145
Chairmans reportChairmans report (by: luluj) 10 1046
YipeeeeeeeeeeeeeYipeeeeeeeeeeeee (by: kallis3) 18 1186
House Equity QuestionHouse Equity Question (by: Foggy) 11 973
Will an IVA effect how much child maintenance I will be made to pay through the CMS ?Will an IVA effect how much child maintenance I will be made to pay through the CMS ? (by: Lisa Thomas) 4 1035
Unable to afford to release any equity will a further 12 months definitely be an end ?Unable to afford to release any equity will a further 12 months definitely be an end ? (by: Lisa Thomas) 4 1062
Extra money due at end of ivaExtra money due at end of iva (by: Lisa Thomas) 4 1139
How long after the creditor meeting do creditors have to get in their claims ?How long after the creditor meeting do creditors have to get in their claims ? (by: Lisa Thomas) 3 1117
When can I spend??When can I spend?? (by: Lisa Thomas) 7 1258
Hi, Im in to my 3rd year, is there any chance I can come out early ?Hi, Im in to my 3rd year, is there any chance I can come out early ? (by: Lisa Thomas) 4 1065
This is my second post on this forum after all the great advice I received first time aroundThis is my second post on this forum after all the great advice I received first time around (by: Lisa Thomas) 5 341
adviceadvice (by: Lisa Thomas) 8 330
IP is saying they will write to my creditors unless I reconsider taking on a loan in lieu of equityIP is saying they will write to my creditors unless I reconsider taking on a loan in lieu of equity (by: Lisa Thomas) 10 523
Hi please help.  Am I going to have to rehome my pup ?Hi please help. Am I going to have to rehome my pup ? (by: relieved33) 14 499
Am I going to lose my house after keeping within the terms of the IVA for 5 years ?Am I going to lose my house after keeping within the terms of the IVA for 5 years ? (by: kallis3) 9 610
Can my IVA be extended to 84 months from 66 months without my knowledge ?Can my IVA be extended to 84 months from 66 months without my knowledge ? (by: Lisa Thomas) 5 380
When to apply for credit?When to apply for credit? (by: Lisa Thomas) 3 432
How have others overcome the fact that a remortgage will never be approved ?How have others overcome the fact that a remortgage will never be approved ? (by: Lisa Thomas) 10 1235
ALL DONE :)ALL DONE :) (by: Lisa Thomas) 6 629
Hi, I am struggling after separating from my wife. What offer should I make to settle IVA ?Hi, I am struggling after separating from my wife. What offer should I make to settle IVA ? (by: Lisa Thomas) 7 624
Could we make any claim for past 8 years of IVAs and bankruptcy ?Could we make any claim for past 8 years of IVAs and bankruptcy ? (by: Lisa Thomas) 5 1000
What will happen when I reveal that I spent accident compensation on a holiday ?What will happen when I reveal that I spent accident compensation on a holiday ? (by: Lisa Thomas) 6 979
I am considering on terminating my iva and payingI am considering on terminating my iva and paying (by: Lisa Thomas) 6 1014
In a six year IVA until April this year, how do I remove remaining 2 items from credit report ?In a six year IVA until April this year, how do I remove remaining 2 items from credit report ? (by: Lisa Thomas) 3 739
Hi I completed my IVA and received my CC.  How will I know all my debts have been cleared ?Hi I completed my IVA and received my CC. How will I know all my debts have been cleared ? (by: Lisa Thomas) 4 922
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) 38 6837
"Notice of sums in arrears" letter?"Notice of sums in arrears" letter? (by: Lisa Thomas) 7 1571
What would be a reasonable offer to creditors ? Any suggestions gratefully accepted.What would be a reasonable offer to creditors ? Any suggestions gratefully accepted. (by: Michael Peoples) 3 361
Some advice is needed with regards to a possible incoming inheritanceSome advice is needed with regards to a possible incoming inheritance (by: luluj) 5 544
Ive just started an IVA and some of my creditors are trying to ring me. What should I do ?Ive just started an IVA and some of my creditors are trying to ring me. What should I do ? (by: Foggy) 8 550
How does a job with a lot more money affect things ?How does a job with a lot more money affect things ? (by: Michael Peoples) 5 532
House valuationHouse valuation (by: KAZZA) 5 827
Surely this cannot be right ?Surely this cannot be right ? (by: kallis3) 4 1079
For MichaelFor Michael (by: kallis3) 20 1893
F.A.O. Shaun  Ryan.I have a question about shared ownership mortgages, post IVAF.A.O. Shaun Ryan.I have a question about shared ownership mortgages, post IVA (by: Michael Peoples) 7 1540
PPIPPI (by: Foggy) 20 3376
Is housing benefit overpayment an IVA ?Is housing benefit overpayment an IVA ? (by: kallis3) 2 835
Hi All,I am just wondering what would be an appropriate full and final offer ?Hi All,I am just wondering what would be an appropriate full and final offer ? (by: Foggy) 2 837
Are we being unreasonable in asking why remaining PPI interest is still outstanding ?Are we being unreasonable in asking why remaining PPI interest is still outstanding ? (by: Foggy) 3 835
DESPERATE for mortgage, are we likely to be successful with Ryan ?DESPERATE for mortgage, are we likely to be successful with Ryan ? (by: Ryan) 15 3005
In my F&F settlement offer it says future PPI to be paid to client. Is that myself or creditors ?In my F&F settlement offer it says future PPI to be paid to client. Is that myself or creditors ? (by: Foggy) 5 909
Can I offer a settlement figure from inheritance or will IVA claim the lot ?Can I offer a settlement figure from inheritance or will IVA claim the lot ? (by: kallis3) 4 958
What should I expect to pay an IP for putting together a final settlement IVA ?What should I expect to pay an IP for putting together a final settlement IVA ? (by: Foggy) 3 908
How do I approach possible breach wIth IVA solicitors ?How do I approach possible breach wIth IVA solicitors ? (by: Foggy) 3 987
Finishing ivaFinishing iva (by: scooby1963) 21 2462
Message for Michael PeoplesMessage for Michael Peoples (by: kallis3) 38 4717
Are there any repercussions if I move to the USA just after the IVA is completed ?Are there any repercussions if I move to the USA just after the IVA is completed ? (by: Foggy) 3 901
Hi, I completed my IVA in March 2015 and have received CC but still have a default marked.Hi, I completed my IVA in March 2015 and have received CC but still have a default marked. (by: Foggy) 3 976
My wife has left our marital home.  Where do I stand as her wage was taken into account ?My wife has left our marital home. Where do I stand as her wage was taken into account ? (by: plasticdaft) 5 1093
Hi, Please could you offer some mortgage advice.Hi, Please could you offer some mortgage advice. (by: KAZZA) 29 3864
Mobile phoneMobile phone (by: Shining) 8 1124
We have received our CC, the amount of PPI shown is seriously short of total reclaimed.We have received our CC, the amount of PPI shown is seriously short of total reclaimed. (by: Ta Dah) 6 1138
Fidelity credit managementFidelity credit management (by: wannabedj) 8 1240
If my husband has no income he cannot and should not to be in an IVA ?If my husband has no income he cannot and should not to be in an IVA ? (by: size5) 7 1031
Credit reportCredit report (by: Foggy) 10 1044
If my partner goes for an IVA how will my credit rating be affected ?If my partner goes for an IVA how will my credit rating be affected ? (by: kallis3) 3 1026
Told by Knightsbridge that it will take 6 to 12 months for discharge to be completed !Told by Knightsbridge that it will take 6 to 12 months for discharge to be completed ! (by: kallis3) 2 937
I am confused as IVA company are asking for payment, after cancelling the direct debit.I am confused as IVA company are asking for payment, after cancelling the direct debit. (by: kallis3) 3 1028
Im deeply concerned about partners mental health. Is there any chance of an early finish ?Im deeply concerned about partners mental health. Is there any chance of an early finish ? (by: kallis3) 3 1022
Is it correct that I have to pay additional 2 years to pay the interest ?Is it correct that I have to pay additional 2 years to pay the interest ? (by: Lisa Thomas) 3 1177
Starting yr 6 of IVA been hell on earth but not quitting now. Can PayPlan ask for another year ?Starting yr 6 of IVA been hell on earth but not quitting now. Can PayPlan ask for another year ? (by: Lisa Thomas) 4 1353
Can you end an IVA early by asking for (and paying) a settlement figure ? PCan you end an IVA early by asking for (and paying) a settlement figure ? P (by: Lisa Thomas) 8 1175
Hello, im hoping to put in a full and final offer,  what would be a reasonable offer ?Hello, im hoping to put in a full and final offer, what would be a reasonable offer ? (by: Lisa Thomas) 4 1259
Has anyone heard of a final standard payment??Has anyone heard of a final standard payment?? (by: Lisa Thomas) 10 1768
Hi everyone, Im trying to gauge Payplans completion timetable. They are not forthcoming.Hi everyone, Im trying to gauge Payplans completion timetable. They are not forthcoming. (by: kallis3) 2 1200
Forced Sale ValuationsForced Sale Valuations (by: kallis3) 52 3628
Equiifax and Experian reports correct. Noddle unhelpful and information completely incorrectEquiifax and Experian reports correct. Noddle unhelpful and information completely incorrect (by: Lisa Thomas) 8 1513
Can I continue with work at home startup if we do an IVA ?Can I continue with work at home startup if we do an IVA ? (by: Lisa Thomas) 4 1074
What would you advise ? Aperture are threatening to delay closure if I dont sign forms.What would you advise ? Aperture are threatening to delay closure if I dont sign forms. (by: Lisa Thomas) 6 1355
Is there anyway we can pay outstanding debt and get out of IVA with Knightsbridge ?Is there anyway we can pay outstanding debt and get out of IVA with Knightsbridge ? (by: Lisa Thomas) 6 1297
What is legal value of completion notice ?What is legal value of completion notice ? (by: Lisa Thomas) 6 1320
Ive been gambling in my partners name. How will this effect setting up a joint IVA ?Ive been gambling in my partners name. How will this effect setting up a joint IVA ? (by: Lisa Thomas) 7 1309
Myself and soon to be ex husband have IVAs. I really want to stay in matrimonial home.Myself and soon to be ex husband have IVAs. I really want to stay in matrimonial home. (by: Lisa Thomas) 6 1395
Can high court happen straight after a IVA failure without any correspondence ?Can high court happen straight after a IVA failure without any correspondence ? (by: Lisa Thomas) 5 1318
This site has been fantastic giving me hope and lots of advice. Now to clean up credit files ?This site has been fantastic giving me hope and lots of advice. Now to clean up credit files ? (by: Lisa Thomas) 5 1194
Is this a feasible solution to get IVA finished early ?Is this a feasible solution to get IVA finished early ? (by: Lisa Thomas) 6 1417
I have an IVA and I am due a small pension lump sumI have an IVA and I am due a small pension lump sum (by: Lisa Thomas) 4 1368
I will be 98% completed in December,  I am being asked to raise equity on my houseI will be 98% completed in December, I am being asked to raise equity on my house (by: Lisa Thomas) 5 1441
My IVA is not meeting my needs, can I have it cancelled and start a fresh one ?My IVA is not meeting my needs, can I have it cancelled and start a fresh one ? (by: Lisa Thomas) 5 1425
If I paid in full, will the management fee be relinkquished ?If I paid in full, will the management fee be relinkquished ? (by: Lisa Thomas) 5 1354
Will a F&F from my husbands money be accepted to complete my IVA ?Will a F&F from my husbands money be accepted to complete my IVA ? (by: Lisa Thomas) 4 1324
Quick question RE.Equity and final year?Quick question RE.Equity and final year? (by: Lisa Thomas) 10 6143
I have been paying my IVA for 7 years now, can it be extended any longer ?I have been paying my IVA for 7 years now, can it be extended any longer ? (by: Lisa Thomas) 3 1389
Completion delay?Completion delay? (by: Lisa Thomas) 19 4444
Available Car finance post CCAvailable Car finance post CC (by: Foggy) 11 1319
Will my IVA fail because I havent submitted annual financial reviews ?Will my IVA fail because I havent submitted annual financial reviews ? (by: dawn20) 10 2722
Hi I have a car on the Ford scheme.  Am iI allowed to swap it for a new one ?Hi I have a car on the Ford scheme. Am iI allowed to swap it for a new one ? (by: Foggy) 5 1135
Is it correct that I cant contact Payplan IP directly for permission for car finance ?Is it correct that I cant contact Payplan IP directly for permission for car finance ? (by: Shining) 10 1416
Cabot Finance IssueCabot Finance Issue (by: kallis3) 6 1410
Is it possible to make a second application for an IVA ?Is it possible to make a second application for an IVA ? (by: size5) 5 1501
Was my IVA finished in May officially or August ? Do I need to chase for CC ?Was my IVA finished in May officially or August ? Do I need to chase for CC ? (by: Freeman Jones) 23 4780
Certificate due this weekCertificate due this week (by: Lisa Thomas) 7 1490
Month 54?Month 54? (by: kallis3) 25 2896
Hi my husband finished his IVA a year ago.  We are struggling to get a mortgage.Hi my husband finished his IVA a year ago. We are struggling to get a mortgage. (by: luluj) 4 1640
IVA completed May 2016. Unable to lease a car, any ideas ?IVA completed May 2016. Unable to lease a car, any ideas ? (by: luluj) 5 1588
Can I stop my present IVA and start another one ?Can I stop my present IVA and start another one ? (by: Shining) 5 1494
That time has comeThat time has come (by: Shining) 7 1803
Tax rebate & InterpretationTax rebate & Interpretation (by: Foggy) 4 1377
Hi, just an updateHi, just an update (by: anitajane) 49 11436
Credit file updatingCredit file updating (by: kallis3) 10 1184
Hi I finalised my IVA on 17th February.  How do I get my credit rating up ?Hi I finalised my IVA on 17th February. How do I get my credit rating up ? (by: sponge) 5 1485
My Husband and I are in an IVA. We are nor impressed by how IP has handled PPIMy Husband and I are in an IVA. We are nor impressed by how IP has handled PPI (by: Lisa Thomas) 11 1708
PPI QUESTIONPPI QUESTION (by: Foggy) 9 1504
Hi, Feels odd being back but I could do with some help with a PPI query.Hi, Feels odd being back but I could do with some help with a PPI query. (by: Foggy) 9 1589
My husband has an IVA & we are selling our houseMy husband has an IVA & we are selling our house (by: Lisa Thomas) 4 1369
I have checked and my name is not on the insolvency register.  What does this mean ?I have checked and my name is not on the insolvency register. What does this mean ? (by: Lisa Thomas) 4 1399
Worried about what problems I will have setting up my own business in an IVAWorried about what problems I will have setting up my own business in an IVA (by: Lisa Thomas) 5 1327
Hi,  would it be a problem with IVA company to take my name off the mortgage ?Hi, would it be a problem with IVA company to take my name off the mortgage ? (by: Lisa Thomas) 3 1413
In a complete panic about cost of an IVAIn a complete panic about cost of an IVA (by: Lisa Thomas) 10 1839
How do I calculate how much I could offer as a F&F settlement ?How do I calculate how much I could offer as a F&F settlement ? (by: Lisa Thomas) 6 2153
Zebra Miney Management were NOT paying my creditors, and they are no longer trading.Zebra Miney Management were NOT paying my creditors, and they are no longer trading. (by: Lisa Thomas) 10 1531
Made it!.Made it!. (by: kallis3) 33 25129
Is it possible for me to acquire our council house.  My partner would be getting the mortgage.Is it possible for me to acquire our council house. My partner would be getting the mortgage. (by: Foggy) 3 1281
I completed my IVA last year but just received a letter from consumer audit which ring alarm bellsI completed my IVA last year but just received a letter from consumer audit which ring alarm bells (by: kallis3) 8 1935
Ending my IVA earlyEnding my IVA early (by: moneytree) 6 1437
Could the amount I have paid already be taken into account to settle arrears or finish early ?Could the amount I have paid already be taken into account to settle arrears or finish early ? (by: Lisa Thomas) 4 1372
We are 1+ years into our IVA with no equity as we dont own our house .We are 1+ years into our IVA with no equity as we dont own our house . (by: Lisa Thomas) 4 1389
I have 6 months left on my IVA. What woukd happen if I didnt divulge new car finance ?I have 6 months left on my IVA. What woukd happen if I didnt divulge new car finance ? (by: Lisa Thomas) 8 1665
Feeling worried as we have nor heard anything about variation meetingFeeling worried as we have nor heard anything about variation meeting (by: Lisa Thomas) 11 1527
Do you think this is a reasonable amount to end my IVA early ?Do you think this is a reasonable amount to end my IVA early ? (by: Foggy) 4 1532
IVA newbieIVA newbie (by: Lisa Thomas) 12 1674
New poster to forumNew poster to forum (by: Shining) 7 1891
Can an individual transfer their pension ?Can an individual transfer their pension ? (by: footiemad) 5 1445
Hello, if my company insist on me trying to remortgage,  how will my property be valued ?Hello, if my company insist on me trying to remortgage, how will my property be valued ? (by: kallis3) 21 1962
Who will get PPI now my IVA is finished ?Who will get PPI now my IVA is finished ? (by: Lisa Thomas) 6 2451
Is it possible to up your IVA payments in order to finish early ?Is it possible to up your IVA payments in order to finish early ? (by: Lisa Thomas) 4 1481
Why am I being asked for a sum of money after death of my wife ?Why am I being asked for a sum of money after death of my wife ? (by: Lisa Thomas) 4 1421
As self employed do I have to complete tax self assessment ?As self employed do I have to complete tax self assessment ? (by: Lisa Thomas) 4 1333
Is it preferable to start divorce process before or after IVA is completed ?Is it preferable to start divorce process before or after IVA is completed ? (by: Lisa Thomas) 4 1366
I have a joint mortgage with my ex husband. Would it be advisable to settle my IVA early ?I have a joint mortgage with my ex husband. Would it be advisable to settle my IVA early ? (by: kallis3) 2 1453
Disclaiming inheritanceDisclaiming inheritance (by: Lisa Thomas) 37 3358
Hi, Im in the last 6 months of my IVA.  What is the likelihood of getting the requested amount ?Hi, Im in the last 6 months of my IVA. What is the likelihood of getting the requested amount ? (by: Shaun Vickery) 10 2284
Who can I use as a counter signatory for deed of assignment ?Who can I use as a counter signatory for deed of assignment ? (by: Foggy) 4 1411
Company credit cardCompany credit card (by: Michael Peoples) 3 1462

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