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TitlePostsViews
IVA completed 27613. Need help urgently to bid on shared ownership property on Tuesday.IVA completed 27613. Need help urgently to bid on shared ownership property on Tuesday. (by: Foggy) 8 438
How can money just go missing ? How can I complain or sue Aperture for negligence ?How can money just go missing ? How can I complain or sue Aperture for negligence ? (by: Foggy) 8 942
Agreement to sign, post IVAAgreement to sign, post IVA (by: Foggy) 9 176
Could I offer a lump sum to end IVA ?Could I offer a lump sum to end IVA ? (by: rob090881) 35 9558
My creditors meeting was yesterday but I havent heard the result.My creditors meeting was yesterday but I havent heard the result. (by: kallis3) 30 1330
Please can somebody help me on a step by step basis to go bankrupt.Please can somebody help me on a step by step basis to go bankrupt. (by: Joanna.07) 24 3549
DFD say we have been exemplary.  Now we are thoroughly fed up with their awful service.DFD say we have been exemplary. Now we are thoroughly fed up with their awful service. (by: Laura.Harrop) 11 711
Clear debt sent letter saying I will receive some of the PPI money as a good will gesture.Clear debt sent letter saying I will receive some of the PPI money as a good will gesture. (by: Lisa Thomas) 4 168
Can house be put up for sale whilst waiting for IVA to come off insolvency register ?Can house be put up for sale whilst waiting for IVA to come off insolvency register ? (by: Lisa Thomas) 4 132
Hello. I have no IVA yet but have huge debt which my partners doesnt know about.Hello. I have no IVA yet but have huge debt which my partners doesnt know about. (by: Lisa Thomas) 13 244
Awaiting Proposal. How long does this usually take ?Awaiting Proposal. How long does this usually take ? (by: Lisa Thomas) 15 801
IVA company say you will receive a small percentage of PPI, which I have not received.IVA company say you will receive a small percentage of PPI, which I have not received. (by: Lisa Thomas) 4 157
How will Varden Nuttalls administration affect our offer to pay off IVA in fullHow will Varden Nuttalls administration affect our offer to pay off IVA in full (by: Lisa Thomas) 4 148
Confused about property post IVAConfused about property post IVA (by: Lisa Thomas) 5 245
When will I be able to get a mortgage ?When will I be able to get a mortgage ? (by: Lisa Thomas) 3 208
I am needing to leave my job due to work related stress. How will this affect my IVA ?I am needing to leave my job due to work related stress. How will this affect my IVA ? (by: Lisa Thomas) 3 208
Would my IVA be affected if I stopped paying mortgage for my ex wife and daughter ?Would my IVA be affected if I stopped paying mortgage for my ex wife and daughter ? (by: Lisa Thomas) 3 216
Does PPI money go to my creditors even though IVA is closed ?Does PPI money go to my creditors even though IVA is closed ? (by: Lisa Thomas) 5 334
hi everyone my IVA is finishing next month, what are my chances of getting a mortgage ?hi everyone my IVA is finishing next month, what are my chances of getting a mortgage ? (by: Lisa Thomas) 5 330
Removal Of Credit Agreements from Equifax etcRemoval Of Credit Agreements from Equifax etc (by: Lisa Thomas) 6 378
We want to relocate to the south coastWe want to relocate to the south coast (by: Lisa Thomas) 5 341
Final payment into IVA last November, company gone into administration,  not received CCFinal payment into IVA last November, company gone into administration, not received CC (by: Lisa Thomas) 6 329
Advice on payment breakAdvice on payment break (by: Lisa Thomas) 7 480
Returning to workReturning to work (by: Lisa Thomas) 4 427
In the last 6 months of IVA noticed that creditors have reported a default for this month.In the last 6 months of IVA noticed that creditors have reported a default for this month. (by: Lisa Thomas) 4 425
Am I allowed to upgrade my mobile phone ?Am I allowed to upgrade my mobile phone ? (by: Lisa Thomas) 9 661
After 6 years from the start of our IVA we be able to get a shared ownership mortgage ?After 6 years from the start of our IVA we be able to get a shared ownership mortgage ? (by: Lisa Thomas) 4 458
Hi, I am new, what paperwork will I need to supply if unable to remortgage ?Hi, I am new, what paperwork will I need to supply if unable to remortgage ? (by: Lisa Thomas) 5 543
Can you offer to settle your IVA early just before equity release ?Can you offer to settle your IVA early just before equity release ? (by: Lisa Thomas) 6 581
After my last payment of my IVA will I have to submit pay slips and bank statements ?After my last payment of my IVA will I have to submit pay slips and bank statements ? (by: Lisa Thomas) 5 608
Can I get a logbook loan, when taking out an IVA?Can I get a logbook loan, when taking out an IVA? (by: Lisa Thomas) 7 709
Regards the Green vs Wright caseRegards the Green vs Wright case (by: Lisa Thomas) 3 692
How do I obtain my letter of completion ?How do I obtain my letter of completion ? (by: Lisa Thomas) 3 565
My daughter is scared that they will lose their home. I dont know what to advise them.My daughter is scared that they will lose their home. I dont know what to advise them. (by: Lisa Thomas) 12 1444
Aperture seem to be advising me not to offer a F&F as the process could be long drawn out ?Aperture seem to be advising me not to offer a F&F as the process could be long drawn out ? (by: Lisa Thomas) 11 1062
I would be grateful for advice on the process of clearing my IVAI would be grateful for advice on the process of clearing my IVA (by: Lisa Thomas) 11 1425
Has my wife had in effect a 6 year IVA ?Has my wife had in effect a 6 year IVA ? (by: Lisa Thomas) 14 1301
Hooray its over :)Hooray its over :) (by: stringyAcid) 14 567
I entered into an IVA 3 months ago, and kept getting calls from a creditorI entered into an IVA 3 months ago, and kept getting calls from a creditor (by: happy buddha) 6 787
Will we be able to get a lifetime retirement mortgage when we have paid off our IVA in full ?Will we be able to get a lifetime retirement mortgage when we have paid off our IVA in full ? (by: lesley) 3 640
Where can I find out more about an IVA ? My mother has one and I would like some advice.Where can I find out more about an IVA ? My mother has one and I would like some advice. (by: lesley) 4 625
My application for an IVA was rejected because I was unemployed. Can I apply again ?My application for an IVA was rejected because I was unemployed. Can I apply again ? (by: lesley) 5 671
Im just about to enter into an IVA and just want to know what to expect.Im just about to enter into an IVA and just want to know what to expect. (by: lesley) 7 744
Hi how likely is it that creditors accept a lump sum payment ?Hi how likely is it that creditors accept a lump sum payment ? (by: Foggy) 4 675
Hi, I have a few questions post IVAHi, I have a few questions post IVA (by: lesley) 4 725
I am 64 and have just been made redundant.  I dont know what to do going forward.I am 64 and have just been made redundant. I dont know what to do going forward. (by: luluj) 4 711
Finnishing early restrictions?Finnishing early restrictions? (by: Foggy) 2 673
My husband took out IVA after starting divorce proceedingMy husband took out IVA after starting divorce proceeding (by: Foggy) 3 678
One of my creditors have put an Attachment of Earnings against me. IVA has been approved.One of my creditors have put an Attachment of Earnings against me. IVA has been approved. (by: Tonydg23) 23 3069
Hi, what is a lump sum IVA, and can I take a loan out to gift to my hubby ?Hi, what is a lump sum IVA, and can I take a loan out to gift to my hubby ? (by: iva virgin) 3 638
Looking for a good uk financial advisor for remortgage post IVALooking for a good uk financial advisor for remortgage post IVA (by: kallis3) 3 624
Hi there,  when you submit an IVA proposal do the banks cross check information ?Hi there, when you submit an IVA proposal do the banks cross check information ? (by: Foggy) 2 626
Is a DRO classed as bankruptcy ? if so it could affect my tenancy agreement.Is a DRO classed as bankruptcy ? if so it could affect my tenancy agreement. (by: Foggy) 5 663
2nd Payment Break2nd Payment Break (by: wannabedj) 4 808
Can we change to a DMP ?Can we change to a DMP ? (by: Lisa Thomas) 6 747
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: Lisa Thomas) 195 40848
Partner has moved back inPartner has moved back in (by: Lisa Thomas) 8 807
Why would creditors decline an IVA?Why would creditors decline an IVA? (by: Foggy) 2 672
How do I get an update on the status of my IVA ?How do I get an update on the status of my IVA ? (by: Lisa Thomas) 3 695
Should I let sleeping dogs lie ? I have heard nothing since November 2015.Should I let sleeping dogs lie ? I have heard nothing since November 2015. (by: Lisa Thomas) 3 718
Defaults with Value  £Defaults with Value £ (by: Lisa Thomas) 5 503
Do I have to pay child maintenance with an IVA in place ?Do I have to pay child maintenance with an IVA in place ? (by: Lisa Thomas) 3 754
Why do I keep getting statements from my creditors showing no payments have been made ?Why do I keep getting statements from my creditors showing no payments have been made ? (by: Steven Hewitt) 3 798
Andrew is in an IVA, and his exwife has money inAndrew is in an IVA, and his exwife has money in (by: Lisa Thomas) 3 745
I finished my IVA 6 years ago. Will I struggle to get a mortgage ?I finished my IVA 6 years ago. Will I struggle to get a mortgage ? (by: Lisa Thomas) 4 824
Weve been looking at an IVA with Gopher MoneyHarrington Brooks. Are they reputable ?Weve been looking at an IVA with Gopher MoneyHarrington Brooks. Are they reputable ? (by: Lisa Thomas) 4 845
Last payment February and awaiting CC. What does VN administration mean for me ?Last payment February and awaiting CC. What does VN administration mean for me ? (by: Lisa Thomas) 3 822
I have a lot of debt. I really wish someone could help and give me advice.I have a lot of debt. I really wish someone could help and give me advice. (by: Lisa Thomas) 4 828
My husband is coming into an inheritance so we will be able to pay off our IVA.My husband is coming into an inheritance so we will be able to pay off our IVA. (by: Lisa Thomas) 4 858
Im scared modification to exclude property will be reversed in confusing small printIm scared modification to exclude property will be reversed in confusing small print (by: Lisa Thomas) 5 819
In July my IVA will be completed.  I wish to remortgage my house.In July my IVA will be completed. I wish to remortgage my house. (by: Lisa Thomas) 4 886
Hi, just after some general advice regarding IVAs. My husband has ongoing health problems.Hi, just after some general advice regarding IVAs. My husband has ongoing health problems. (by: Lisa Thomas) 25 2696
Hi we completed our IVA in 2012 & want to apply for a mortgage.Hi we completed our IVA in 2012 & want to apply for a mortgage. (by: Lisa Thomas) 8 1154
Bank is claiming the IVA makes a Tomlin order void and upped their claim.Bank is claiming the IVA makes a Tomlin order void and upped their claim. (by: Lisa Thomas) 6 966
Who gets to keep my tax rebate ?Who gets to keep my tax rebate ? (by: Jasondc87) 3 759
Harrington BrooksHarrington Brooks (by: linrog) 4 834
How well will I do on trying to close my IVA now ?How well will I do on trying to close my IVA now ? (by: Lisa Thomas) 3 903
Getting a current accountGetting a current account (by: wannabedj) 6 905
Not allowed to retain any personal allowanceNot allowed to retain any personal allowance (by: Lisa Thomas) 4 1037
My husband wants to cash in his pension and transfer it to sons account. Can IVA claim it ?My husband wants to cash in his pension and transfer it to sons account. Can IVA claim it ? (by: Lisa Thomas) 4 968
dividendsdividends (by: Lisa Thomas) 16 1218
I have a help to but mortgage, will this be affected ? Does my partner need to know ?I have a help to but mortgage, will this be affected ? Does my partner need to know ? (by: Lisa Thomas) 4 869
Hi I have been chasing Knightsbridge for 14 monthsHi I have been chasing Knightsbridge for 14 months (by: Foggy) 6 756
Would clearance for business Internet banking be refused ?Would clearance for business Internet banking be refused ? (by: welshwiz) 5 878
Hi, just trying to find Ryans details.Hi, just trying to find Ryans details. (by: lesley) 5 1144
Hi there, Im worried that our IVA may be in jeopardyHi there, Im worried that our IVA may be in jeopardy (by: Lisa Thomas) 6 1067
Cleardebt now Aperture  60th payment loomingCleardebt now Aperture 60th payment looming (by: Lisa Thomas) 12 1576
I had a IVA that failed...my PPI was sent but never added to the IVA. No sign of where its gone.I had a IVA that failed...my PPI was sent but never added to the IVA. No sign of where its gone. (by: Lisa Thomas) 5 1351
Aperture do not agree with our equity calculations. Where can I go from here ?Aperture do not agree with our equity calculations. Where can I go from here ? (by: Lisa Thomas) 13 1218
Wow CC arrivedWow CC arrived (by: lesley) 11 1009
I would like to help daughter and partner get a mortgage. Any suggestions for a way forward ?I would like to help daughter and partner get a mortgage. Any suggestions for a way forward ? (by: Shaun Vickery) 8 1599
I have received a letter from  Consumer Advisory Service referring to High Court decisionI have received a letter from Consumer Advisory Service referring to High Court decision (by: kallis3) 8 1297
Would an IVA need to be heard in court ?Would an IVA need to be heard in court ? (by: Lisa Thomas) 4 925
Final figures do not show the PPI payment nor receipts or proof of creditor paymentsFinal figures do not show the PPI payment nor receipts or proof of creditor payments (by: Lisa Thomas) 3 872
Can a larger percentage of increased income be taken despite increased outgoing ?Can a larger percentage of increased income be taken despite increased outgoing ? (by: Lisa Thomas) 4 887
4 months after extension I am being fobbed off with ridiculous excuses for not finalising IVA4 months after extension I am being fobbed off with ridiculous excuses for not finalising IVA (by: stringyAcid) 4 968
Will compensation be viewed as a windfall or can be used to cover ongoing medical costs ?Will compensation be viewed as a windfall or can be used to cover ongoing medical costs ? (by: Lisa Thomas) 3 888
How much of my backdated pension will be taken by IVA ?How much of my backdated pension will be taken by IVA ? (by: Lisa Thomas) 4 866
Is a F&F settlement based on the amount paid in or the full amount owed to creditors ?Is a F&F settlement based on the amount paid in or the full amount owed to creditors ? (by: Lisa Thomas) 3 853
If my husband inherits a cash sum, does he have to pay off my IVA ?If my husband inherits a cash sum, does he have to pay off my IVA ? (by: Lisa Thomas) 4 891
Help panic stations, final payment March, no equity, but Cleardebt applied for extensionHelp panic stations, final payment March, no equity, but Cleardebt applied for extension (by: Lisa Thomas) 27 2134
Our IVA (lump sum payment) finished June 2015. Can we apply for a uk mortgage ?Our IVA (lump sum payment) finished June 2015. Can we apply for a uk mortgage ? (by: Shaun Vickery) 5 1013
Can I repay an IVA early if I sell my home?Can I repay an IVA early if I sell my home? (by: Shaun Vickery) 5 1208
What would you suggest a F&F should be ?What would you suggest a F&F should be ? (by: Sally.kes) 17 1700
My wageMy wage (by: iva virgin) 8 1405
Selling house after ivaSelling house after iva (by: Lisa Thomas) 11 1689
Any advice on whether my renting payments will affect IVA being acceptedAny advice on whether my renting payments will affect IVA being accepted (by: Lisa Thomas) 9 1684
Leaving an IVA in 2019, whats my situation getting a mortgage?Leaving an IVA in 2019, whats my situation getting a mortgage? (by: Lisa Thomas) 4 858
Completed  one off IVA  2013. Do outstanding balances stay on credit file for 6 years ?Completed one off IVA 2013. Do outstanding balances stay on credit file for 6 years ? (by: Lisa Thomas) 4 871
Hi, how long shoulddoes it take for an offer to be accepted by creditors ?Hi, how long shoulddoes it take for an offer to be accepted by creditors ? (by: Lisa Thomas) 4 830
Will PPI claim money make any difference to a settlement offer, or settle IVA early ?Will PPI claim money make any difference to a settlement offer, or settle IVA early ? (by: Lisa Thomas) 4 931
Hi, we are 24 months into our IVA and need a new sofa.  Can we get credit ?Hi, we are 24 months into our IVA and need a new sofa. Can we get credit ? (by: kallis3) 10 1375
Im lost and really worried as no one bothers to answer calls or emails about my overdue CC.Im lost and really worried as no one bothers to answer calls or emails about my overdue CC. (by: Lisa Thomas) 7 1501
I just got year 4 statement  but they have not asked about valuationI just got year 4 statement but they have not asked about valuation (by: Lisa Thomas) 6 986
Hi, currently waiting for creditor meeting for my IVA but my monthly payment is due.Hi, currently waiting for creditor meeting for my IVA but my monthly payment is due. (by: Lisa Thomas) 5 990
Are there other regulatory bodies beside the insolvency Practitioners  association ?Are there other regulatory bodies beside the insolvency Practitioners association ? (by: Lisa Thomas) 4 1148
I do not have access to ex marital property so cant get an estate agent valuationI do not have access to ex marital property so cant get an estate agent valuation (by: Lisa Thomas) 15 2331
My daughter is 16 years old not in education or work, can I claim expenditure for her ?My daughter is 16 years old not in education or work, can I claim expenditure for her ? (by: esgt1967) 7 1231
Some advice please about a tax return.Some advice please about a tax return. (by: watzki) 2 895
I was with Cleardebt, transferred to Aperture who say I need to do a variance.  Please helpI was with Cleardebt, transferred to Aperture who say I need to do a variance. Please help (by: Foggy) 4 942
I am terrified of speaking to my IP about a F&F offer so any advice would be very helpful.I am terrified of speaking to my IP about a F&F offer so any advice would be very helpful. (by: Foggy) 3 924
Payment cant be traced.  Waiting to find out if cheque can be recalled after 2 years.Payment cant be traced. Waiting to find out if cheque can be recalled after 2 years. (by: lesley) 2 922
Hi Ryan and Shaun.  Contact me please regarding a mortgage following an IVA.Hi Ryan and Shaun. Contact me please regarding a mortgage following an IVA. (by: luluj) 4 1038
I claimed for a PPI before taking out an IVA. Who is entitled to the payout ?I claimed for a PPI before taking out an IVA. Who is entitled to the payout ? (by: Foggy) 2 976
Expenditure sheetExpenditure sheet (by: Foggy) 6 1038
Told that my IVA can be finished after year 5 with lump sum, now told that was a mistake..Told that my IVA can be finished after year 5 with lump sum, now told that was a mistake.. (by: Foggy) 2 1143
Can I cancel direct debit?Can I cancel direct debit? (by: lesley) 9 1195
Can I withdraw from, or cancel, my IVA application ?Can I withdraw from, or cancel, my IVA application ? (by: lesley) 4 1210
What is the best way to settle IVA ?  How much should I offer ?What is the best way to settle IVA ? How much should I offer ? (by: lesley) 4 1138
I am hoping to keep my car which is on a 3 year hire purchase, need some advice.I am hoping to keep my car which is on a 3 year hire purchase, need some advice. (by: Foggy) 3 1198
How are household bills worked out if I am the only person entering an IVA ?How are household bills worked out if I am the only person entering an IVA ? (by: Foggy) 5 1223
I have paid for 84 months with no sight of reduction in balance.I have paid for 84 months with no sight of reduction in balance. (by: Foggy) 3 1204
So Ive done it, Im free!! I received my CC today and it feels amazing.So Ive done it, Im free!! I received my CC today and it feels amazing. (by: country girl) 18 1560
Why havent I received my completion certificate 8 months after final payment ?Why havent I received my completion certificate 8 months after final payment ? (by: kallis3) 3 1229
Do I have to provide car tax and insurance details which are in my partners name ?Do I have to provide car tax and insurance details which are in my partners name ? (by: kallis3) 3 1147
Nationwide say that they applying to have CCJ set aside. What does this mean ?Nationwide say that they applying to have CCJ set aside. What does this mean ? (by: Andy Davie) 3 1392
DFD maintain we are in breach by not accepting secured loan.DFD maintain we are in breach by not accepting secured loan. (by: Andy Davie) 6 1627
My husband is starting an IVA. Can I continue to save for booked holiday & sons ISA ?My husband is starting an IVA. Can I continue to save for booked holiday & sons ISA ? (by: iva virgin) 7 1232
Hi experts.  If DFD fails my IVA because I refuse a secured loan, can I appeal the decision ?Hi experts. If DFD fails my IVA because I refuse a secured loan, can I appeal the decision ? (by: Laura.Harrop) 17 1562
Ryan, please can you advise me if you think I could get a mortgage ?Ryan, please can you advise me if you think I could get a mortgage ? (by: lesley) 6 1489
Last Payment PaidLast Payment Paid (by: lesley) 8 1383
I am considering getting married. Would my new husband have a claim on the equity ?I am considering getting married. Would my new husband have a claim on the equity ? (by: Foggy) 2 1222
Hi, I have sold my house to pay off debt 100%. Do I have to sign PPI forms ?Hi, I have sold my house to pay off debt 100%. Do I have to sign PPI forms ? (by: Foggy) 3 1236
Just been told that my IVA company has gone into administration. Advice pleaseJust been told that my IVA company has gone into administration. Advice please (by: UpToMyNeckInIt) 4 1517
Paid off IVA 18 months ago, now looking for landlord insurance.Paid off IVA 18 months ago, now looking for landlord insurance. (by: UpToMyNeckInIt) 4 1220
Has anyone used unity as their IP?  Do most people speak to a few companies ?Has anyone used unity as their IP? Do most people speak to a few companies ? (by: Lisa Thomas) 6 1387
Our cars engine needs replacing and will cost as much as the car is worth.Our cars engine needs replacing and will cost as much as the car is worth. (by: MG12) 6 1428
Do you think I would be able to offer payments to date as a F&F ?Do you think I would be able to offer payments to date as a F&F ? (by: kallis3) 15 2127
Need Advice On Letter RecievedNeed Advice On Letter Recieved (by: kallis3) 22 4059
Hi, Im interested in speaking to a post IVA morgage brokerHi, Im interested in speaking to a post IVA morgage broker (by: luluj) 5 2394

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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.

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