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Top 150 Debt Questions from the IVA Forum
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TitlePostsViews
Will creditors agree to settle my IVA early with remaining term, without bringing equity in ?Will creditors agree to settle my IVA early with remaining term, without bringing equity in ? (by: David.26) 1 9
Does anyone know the criteria PJG has used to select which IVAs are transferred to Creditfix ?Does anyone know the criteria PJG has used to select which IVAs are transferred to Creditfix ? (by: Rickne) 15 369
Creditfix say no way would creditors accept my offer of equivalent to remaining term of IVACreditfix say no way would creditors accept my offer of equivalent to remaining term of IVA (by: Rickne) 8 164
Can we withhold our PPI as it is needed due to failing health ?Can we withhold our PPI as it is needed due to failing health ? (by: Foggy) 2 63
PJGPJG (by: Why me) 181 7231
My previous limited company, put into liquidation, is owed money. Are they an associated creditor ?My previous limited company, put into liquidation, is owed money. Are they an associated creditor ? (by: Andrewd0110) 1 42
My daughter seems to have been charged a large amount of fees. Should we complain ?My daughter seems to have been charged a large amount of fees. Should we complain ? (by: Andy Davie) 4 66
over half way thereover half way there (by: Struzzo39) 7 346
Friends and family have clubbed together for full & final. Would this be of interest to creditors ?Friends and family have clubbed together for full & final. Would this be of interest to creditors ? (by: Foggy) 3 63
Mobile Phone ContractMobile Phone Contract (by: CreditKing) 9 447
For a Full & Final offer, would you offer an amount equivalent to the initial 60 months ?For a Full & Final offer, would you offer an amount equivalent to the initial 60 months ? (by: luluj) 4 86
How long after the IVA finishes can you move house or get a new mortgage ?How long after the IVA finishes can you move house or get a new mortgage ? (by: luluj) 5 88
If you can change your driving instructer & dentist, why on earth not an IVA practitioner ?If you can change your driving instructer & dentist, why on earth not an IVA practitioner ? (by: Michael Peoples) 14 690
Can a creditor demand more money at the end of an IVA ?Can a creditor demand more money at the end of an IVA ? (by: Michael Peoples) 4 309
Would the creditors accept this full and final offer ?Would the creditors accept this full and final offer ? (by: Michael Peoples) 3 73
Will my completed IVA affect my job application ?Will my completed IVA affect my job application ? (by: Michael Peoples) 5 282
I am disabled and with only 11 months to go, could I get a full and final settlement ?I am disabled and with only 11 months to go, could I get a full and final settlement ? (by: Steve Rees) 3 55
Is this legal ?Is this legal ? (by: Steve Rees) 2 399
Am I right that changes cannot be added if the account is in the IVA ?Am I right that changes cannot be added if the account is in the IVA ? (by: Steve Rees) 2 123
Am i allowed 2 basic bank accounts with different banks ?Am i allowed 2 basic bank accounts with different banks ? (by: lesley) 9 229
IVA APPROVED!IVA APPROVED! (by: linrog) 11 1122
Done!Done! (by: linrog) 15 397
New problem (help please David Mond)New problem (help please David Mond) (by: Foggy) 44 4426
A complex equity problem.A complex equity problem. (by: Michael Peoples) 5 1105
Do I need taking to consult my IP before taking out another fixed mortgage rate ?Do I need taking to consult my IP before taking out another fixed mortgage rate ? (by: lesley) 4 196
Looking for advice from teachers about their pension contributions.Looking for advice from teachers about their pension contributions. (by: lesley) 6 208
We have not heard anything back since 4th annual review in September. Now a little worried.We have not heard anything back since 4th annual review in September. Now a little worried. (by: Foggy) 3 189
DFD Closure ProcessDFD Closure Process (by: Foggy) 10 1792
Cant sleep worrying about pay rise I didnt declare, thinking it would be asked for in final reviewCant sleep worrying about pay rise I didnt declare, thinking it would be asked for in final review (by: Foggy) 4 243
Does anyone know of any companies that do car leases or HP ?Does anyone know of any companies that do car leases or HP ? (by: Michael Peoples) 3 175
Still battling with DFD!Still battling with DFD! (by: Nichola.70) 7 283
Could we go down this route if we have a pending repossession on our property ?Could we go down this route if we have a pending repossession on our property ? (by: Michael Peoples) 3 254
The creditors would not accept that we have 4 children and say wife must seek full time jobThe creditors would not accept that we have 4 children and say wife must seek full time job (by: Michael Peoples) 4 366
Can my debt be offset against my remaining person ?Can my debt be offset against my remaining person ? (by: Michael Peoples) 3 271
I have asked for my iVA to be terminated. How long should it take to get our certificate ?I have asked for my iVA to be terminated. How long should it take to get our certificate ? (by: Michael Peoples) 4 362
70% of my debt is with my employer (big bank). Very worried70% of my debt is with my employer (big bank). Very worried (by: Michael Peoples) 5 657
My ex husband is entering into an IVA. Do I have to sign land registry papers ?My ex husband is entering into an IVA. Do I have to sign land registry papers ? (by: Michael Peoples) 4 492
Just got an IVA via Knightsbridge. Bank has taken my tax savings. Now Ill have to go bankruptJust got an IVA via Knightsbridge. Bank has taken my tax savings. Now Ill have to go bankrupt (by: Michael Peoples) 15 1219
Full & final settlement with McCambridge Dufy accepted. How long could I be waiting for CC ?Full & final settlement with McCambridge Dufy accepted. How long could I be waiting for CC ? (by: Michael Peoples) 5 681
Pearse Flynn, Creditfix ownerPearse Flynn, Creditfix owner (by: SFA) 2 242
Partner & ex signed contracts to dissolve IVA 11 months ago. Now have problems selling housePartner & ex signed contracts to dissolve IVA 11 months ago. Now have problems selling house (by: relieved33) 2 176
Would lady, aged 81, be able to keep lump sum pension to buy disability equipment ?Would lady, aged 81, be able to keep lump sum pension to buy disability equipment ? (by: Foggy) 3 194
I have run up debt while waiting for closure certificate from GT.I have run up debt while waiting for closure certificate from GT. (by: relieved33) 3 236
An inheritance has recently been paid to my IVA.An inheritance has recently been paid to my IVA. (by: Evette Everest) 8 544
Does it sound right that I have to pay another 12 months payments when they have a lot of PPI ?Does it sound right that I have to pay another 12 months payments when they have a lot of PPI ? (by: relieved33) 3 291
I have so far tried 4 mortgage lenders, all have refused to supply letter declining remortgage.I have so far tried 4 mortgage lenders, all have refused to supply letter declining remortgage. (by: heywoodshane) 3 516
E.O.N reduced tariffE.O.N reduced tariff (by: ridingthestorm) 4 278
I paid a full and final in October 2013, and am still awaiting a completion certificateI paid a full and final in October 2013, and am still awaiting a completion certificate (by: Foggy) 9 957
We are currently our selling their house, our IVA finishes in 6 months.We are currently our selling their house, our IVA finishes in 6 months. (by: Foggy) 3 314
pJGCreditfixF&FpJGCreditfixF&F (by: UpToMyNeckInIt) 2 359
Is a creditor allowed to repay themselves after I have received my completion certificate ?Is a creditor allowed to repay themselves after I have received my completion certificate ? (by: lesley) 2 315
PPI 8% Interest Return?PPI 8% Interest Return? (by: Borneo) 7 458
Hi ,i finnished my IVA in march 2011 but i still have it recorded on my credit score.Hi ,i finnished my IVA in march 2011 but i still have it recorded on my credit score. (by: Dougie) 3 353
Company hassling me for debt included in IVA which was completed 3 years ago.Company hassling me for debt included in IVA which was completed 3 years ago. (by: mumsy17) 5 616
UPDATE! Now Debt Free!UPDATE! Now Debt Free! (by: luluj) 9 438
Can I open Business Bank account ?Can I open Business Bank account ? (by: Foggy) 4 345
IVA completed June 2010.  Found out recently that I am still on the insolvency register.IVA completed June 2010. Found out recently that I am still on the insolvency register. (by: Foggy) 2 332
Steps to make a Full & Final PaymentSteps to make a Full & Final Payment (by: RRones) 7 554
Any advice on getting my IVA removed from credit file ? It is 6 years since it was added ?Any advice on getting my IVA removed from credit file ? It is 6 years since it was added ? (by: Foggy) 2 299
What happens when a business starts to be profitable ? It was not in profit when I started IVAWhat happens when a business starts to be profitable ? It was not in profit when I started IVA (by: Foggy) 2 282
Who do I complain to about the service I am NOT getting from DFD.Who do I complain to about the service I am NOT getting from DFD. (by: Foggy) 23 7009
How might an IVA affect my husbands credit rating ?How might an IVA affect my husbands credit rating ? (by: relieved33) 2 281
Hi. My parents have just paid off my IVA. Now looking for a mortgage.Hi. My parents have just paid off my IVA. Now looking for a mortgage. (by: Ryan) 3 380
Another one bites the dust........Another one bites the dust........ (by: linrog) 9 5041
Im currently setting up an IVA and worried about some financial dealings with friends & familyIm currently setting up an IVA and worried about some financial dealings with friends & family (by: Andy Davie) 4 421
Im just about to do my debt relive orderIm just about to do my debt relive order (by: lesley) 2 380
Im setting up an iva at the moment.  Should I ignore persistent creditor calls ?Im setting up an iva at the moment. Should I ignore persistent creditor calls ? (by: lesley) 3 358
I have reclaimed PPI. Will this money be set off against my debt ?I have reclaimed PPI. Will this money be set off against my debt ? (by: Foggy) 2 250
Where can I get a copy of my IVA completion certificate ?Where can I get a copy of my IVA completion certificate ? (by: Steve Rees) 3 400
Has anyone recently completed an IVA with payplan?Has anyone recently completed an IVA with payplan? (by: country girl) 9 953
ppi  help againppi help again (by: Foggy) 4 383
Is my full and final settlement likely to be accepted ?Is my full and final settlement likely to be accepted ? (by: Foggy) 10 2196
After final payment to my IVA with ClearDebt told it could take 2 years to get Completion cert.After final payment to my IVA with ClearDebt told it could take 2 years to get Completion cert. (by: Foggy) 2 378
Initial interview with GT in CAB office.  F&F Feb 2013.. Still no certificate. Iill with stressInitial interview with GT in CAB office. F&F Feb 2013.. Still no certificate. Iill with stress (by: Foggy) 3 526
Once the 5 years is up how long does it take to finalise the IVA ?Once the 5 years is up how long does it take to finalise the IVA ? (by: Struzzo39) 4 714
Hi I am currently in an IVA, looking to upsize using equity as a deposit.Hi I am currently in an IVA, looking to upsize using equity as a deposit. (by: Imhotep) 6 588
15 payments allegedly made by GT unaccounted for. This has dragged on for 6 months15 payments allegedly made by GT unaccounted for. This has dragged on for 6 months (by: Peter.w) 4 401
its overits over (by: villapb) 9 707
I completed an IVA a few years ago. Now looking for a mortgage.I completed an IVA a few years ago. Now looking for a mortgage. (by: Ryan) 4 518
We are temporarily staying at the address of a relative who had an IVA.We are temporarily staying at the address of a relative who had an IVA. (by: Ryan) 14 739
I am struggling to organise a new mortgage after bankruptcy 3+ years ago.I am struggling to organise a new mortgage after bankruptcy 3+ years ago. (by: Ryan) 13 1011
I have no idea what to do as Kingsgate keep giving me different figures of how much I owe.I have no idea what to do as Kingsgate keep giving me different figures of how much I owe. (by: mkleigh) 5 445
My IVA finished a year ago. Now setting up as self employed and need a bank account.My IVA finished a year ago. Now setting up as self employed and need a bank account. (by: UpToMyNeckInIt) 3 397
Have heard nothing back since returning review in beginning of June 2014.Have heard nothing back since returning review in beginning of June 2014. (by: luluj) 3 557
I have had no formal confirmation that I will have to pay for a further 12 months in lieu of equity.I have had no formal confirmation that I will have to pay for a further 12 months in lieu of equity. (by: luluj) 2 436
inheriting a property with a mortgageinheriting a property with a mortgage (by: luluj) 2 530
How do I make a final payment ?How do I make a final payment ? (by: Andy Davie) 2 487
Rebuild credit after completion certificateRebuild credit after completion certificate (by: Sharon.10) 12 1209
Slightly confused about varying accounts of what happens when I pay more than claim amount.Slightly confused about varying accounts of what happens when I pay more than claim amount. (by: Peejayel) 2 412
What banks accept people who are in an IVA .What banks accept people who are in an IVA . (by: banjoplayer) 14 659
I dont understand why forms have been sent to my mum to sign. She has become ill.I dont understand why forms have been sent to my mum to sign. She has become ill. (by: ilikewatch) 2 562
How will having an IVA effect my mortgage ?How will having an IVA effect my mortgage ? (by: luluj) 3 647
DownDown (by: luluj) 5 653
Full and final offer.Full and final offer. (by: Jackinabox) 5 419
I am so angryI am so angry (by: dancer) 12 1251
Why would an insolvency practitioner transfer clients to another company ?Why would an insolvency practitioner transfer clients to another company ? (by: Michael Peoples) 3 681
Need some advice about releasing equityNeed some advice about releasing equity (by: Michael Peoples) 4 770
Can I pay for my sons debts ?Can I pay for my sons debts ? (by: Michael Peoples) 2 630
Credit after ivaCredit after iva (by: skint til payday) 14 3097
Would I be able to have another IVA ?Would I be able to have another IVA ? (by: lesley) 5 670
Does checking your credit file whilst in an IVA have any effects ?Does checking your credit file whilst in an IVA have any effects ? (by: lesley) 3 634
What are the implications of being transferred to another company ? We are in our 5th year.What are the implications of being transferred to another company ? We are in our 5th year. (by: Bob and Gill) 3 643
At my wits ends and dont know what to do.  Weve not paid for 10 monthsAt my wits ends and dont know what to do. Weve not paid for 10 months (by: pavel33) 4 841
I have claimed PPI on a secured loan, not part of my IVA , but it is being sent to IVA company.I have claimed PPI on a secured loan, not part of my IVA , but it is being sent to IVA company. (by: Michael Peoples) 4 752
What are the rules regarding a second self employed income ?What are the rules regarding a second self employed income ? (by: Michael Peoples) 2 632
Upgrade Bank AccountUpgrade Bank Account (by: Skippy) 3 623
IVA FailedIVA Failed (by: Michael Peoples) 3 705
IP says settlement offer is too low. Please help, this is stressing me out.IP says settlement offer is too low. Please help, this is stressing me out. (by: Michael Peoples) 3 477
Im moving out of my parents and in with my boyfriend. What happens next ?Im moving out of my parents and in with my boyfriend. What happens next ? (by: Andy Davie) 2 667
Can I offer a full and final payment without trying to remortgage ?Can I offer a full and final payment without trying to remortgage ? (by: Andy Davie) 2 633
Difficulty with getting payslips for Full and Final Settlement.  Any suggestions and many thanks.Difficulty with getting payslips for Full and Final Settlement. Any suggestions and many thanks. (by: Michael Peoples) 2 733
Almost there?!!Almost there?!! (by: vlc1507) 9 906
Hi, wanting some advice really about PPI claims after receiving completion certificateHi, wanting some advice really about PPI claims after receiving completion certificate (by: Daviddw71) 3 770
Credit ref agency helpCredit ref agency help (by: TzeKin) 3 818
Just starting out  and very scaredJust starting out and very scared (by: Daviddw71) 13 1119
Does GT have any claim over PPI after receiving my completion certificate ?Does GT have any claim over PPI after receiving my completion certificate ? (by: Daviddw71) 8 804
Bankruptcy and parents houseBankruptcy and parents house (by: Michael Peoples) 5 795
Hi, just wondered if someone could advise me about discrepancy in start date ?Hi, just wondered if someone could advise me about discrepancy in start date ? (by: Sarah Jolly) 10 901
I am having ongoing treatment for cancer and at a total loss at what to do about equity.I am having ongoing treatment for cancer and at a total loss at what to do about equity. (by: Michael Peoples) 4 830
Im being taken to court by ex for money, gifts and car. If he wins, will the IVA  protect me ?Im being taken to court by ex for money, gifts and car. If he wins, will the IVA protect me ? (by: Michael Peoples) 2 691
Can I deduct the 15% supervisors fees from a full and final settlement ?Can I deduct the 15% supervisors fees from a full and final settlement ? (by: Michael Peoples) 2 830
URGENT DFD. please  contact me as promisedURGENT DFD. please contact me as promised (by: wiggle1) 47 4014
creditor meetingcreditor meeting (by: nu4an) 8 964
Hi. Are any others in this forum teachers or school staff ?Hi. Are any others in this forum teachers or school staff ? (by: seagulls) 8 830
IVA agreedIVA agreed (by: Michael Peoples) 4 780
Sorted thanks McCambridge Duffy. Fantastic customer service throughout.Sorted thanks McCambridge Duffy. Fantastic customer service throughout. (by: Blueskies) 8 785
PPI queriesPPI queries (by: Michael Peoples) 2 792
Mis sold IVAMis sold IVA (by: Michael Peoples) 10 1094
If authorities have levied or taken control of goods the debt cannot be included ?If authorities have levied or taken control of goods the debt cannot be included ? (by: Michael Peoples) 2 612
Hi All Hoping someone can offer advice as I am confused about PPI and starting eBay business.Hi All Hoping someone can offer advice as I am confused about PPI and starting eBay business. (by: Michael Peoples) 5 642
How does working on a commission basis work with an IVA?How does working on a commission basis work with an IVA? (by: Steve Rees) 2 760
Notice Of Correction On my Credit reportNotice Of Correction On my Credit report (by: Goosed) 8 1998
F&F April 2014. DFD refuse to give me a date for completion certificate, never answer emailsF&F April 2014. DFD refuse to give me a date for completion certificate, never answer emails (by: Evette Everest) 3 872
Heading for disaster ? Now unemployed, paid around half of what I should. Is this unusual ?Heading for disaster ? Now unemployed, paid around half of what I should. Is this unusual ? (by: Andy Davie) 3 755
Dont understand why DFD is arranging house visit when IVA finished October 2013Dont understand why DFD is arranging house visit when IVA finished October 2013 (by: Evette Everest) 3 922
Can I use back dated PPI to offer a Full and Final offer ?Can I use back dated PPI to offer a Full and Final offer ? (by: Andy Davie) 2 753
Hi.  I met a new client yesterday who has an IVA. Wondered if you could assist ?Hi. I met a new client yesterday who has an IVA. Wondered if you could assist ? (by: Andy Davie) 3 840
3rd year review3rd year review (by: linrog) 10 1055
IVA Friendly Bank AccountsIVA Friendly Bank Accounts (by: plasticdaft) 9 826
Insolvency registerInsolvency register (by: luluj) 5 1113
Hi. I have been awarded pip and have received back pay. Can I offer this as a Full & Final ?Hi. I have been awarded pip and have received back pay. Can I offer this as a Full & Final ? (by: luluj) 3 802
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: lesley) 43 11129
Credit Cleanup quick questionCredit Cleanup quick question (by: Ryan) 7 788
Can you have 2 IVAs ? We have extra debts that were not debts when we went onto the IVA .Can you have 2 IVAs ? We have extra debts that were not debts when we went onto the IVA . (by: luluj) 2 896
Sarah Jolly.  I am attempting to contact you. Emails at your address keep saying invalid addressSarah Jolly. I am attempting to contact you. Emails at your address keep saying invalid address (by: Caroline.77) 1 491
F&F Accepted, what happens next?F&F Accepted, what happens next? (by: Dougie) 5 941
Max recovery default still showingMax recovery default still showing (by: john.jk) 3 908
Deductions from payslipsDeductions from payslips (by: Arek) 11 1431
We have an offer to make final settlement. Will we have to pay full amount because of equity ?We have an offer to make final settlement. Will we have to pay full amount because of equity ? (by: Michael Peoples) 2 791
The PPI I have successfully claimed was not part of my IVA but is being paid to them.The PPI I have successfully claimed was not part of my IVA but is being paid to them. (by: Michael Peoples) 2 840

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So Glad We Did It - by , 19/09/2012
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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.