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TitlePostsViews
Creditfix  A good news story about CC issueCreditfix A good news story about CC issue (by: recovering) 2 52
Application to consolidate a secured loan with our mortgage rejected because of IVA.Application to consolidate a secured loan with our mortgage rejected because of IVA. (by: Michael Peoples) 4 141
Trying to get a response from GT for over 2 monthsTrying to get a response from GT for over 2 months (by: Susan.w) 8 292
tax rebatetax rebate (by: Michael Peoples) 28 510
Month 54Month 54 (by: Eggs are ace) 15 210
Bank is pursuing me and fearing my indemnity will be worthless I would appreciated advice.Bank is pursuing me and fearing my indemnity will be worthless I would appreciated advice. (by: Stephen.m) 1 52
I really have no idea where to obtain my IVA termination letterI really have no idea where to obtain my IVA termination letter (by: lifenoteasy) 17 663
Explicit ConsentExplicit Consent (by: lifenoteasy) 12 297
What will happen ?  I took out a pay day loan, which has been paid off.What will happen ? I took out a pay day loan, which has been paid off. (by: Lisa Thomas) 5 198
GT confirmed they no longer had any interest in PPI claims. Suddenly they are pursuing claims.GT confirmed they no longer had any interest in PPI claims. Suddenly they are pursuing claims. (by: Lisa Thomas) 5 203
Hi everyone, this is my first post on here and was wondering if I could get some adviceHi everyone, this is my first post on here and was wondering if I could get some advice (by: Lisa Thomas) 24 695
T&C Mass Variation CFT&C Mass Variation CF (by: recovering) 181 12716
A bit worriedA bit worried (by: jolou) 3 228
Calculating the statutory interest ?Calculating the statutory interest ? (by: Michael Peoples) 6 173
Promised percentage of PPI, nobody at GT can tell me when I will receive it.Promised percentage of PPI, nobody at GT can tell me when I will receive it. (by: marksam1) 6 268
F&F accepted. Now desperate to sell house.F&F accepted. Now desperate to sell house. (by: Foggy) 9 300
I have an IVA with Harrington Brooks.  I am in the process of selling my property.I have an IVA with Harrington Brooks. I am in the process of selling my property. (by: mompreneur) 6 277
Can I become a signatory on a charity bank account ? I have less than a year left on IVA.Can I become a signatory on a charity bank account ? I have less than a year left on IVA. (by: Foggy) 3 150
new job and credit checknew job and credit check (by: Lisa Thomas) 5 323
Loan up to 500£Loan up to 500£ (by: Lisa Thomas) 6 518
Can I apply for bankruptcy if I am currently in an IVA ?Can I apply for bankruptcy if I am currently in an IVA ? (by: Lisa Thomas) 4 230
Thank you for all your support.  Keep doing what you do, you are special people.Thank you for all your support. Keep doing what you do, you are special people. (by: Lisa Thomas) 3 198
My mum has passed away but her IVA has two payments leftMy mum has passed away but her IVA has two payments left (by: Lisa Thomas) 5 344
Do I have a legal responsibility for debt which would be upheld in divorce settlement ?Do I have a legal responsibility for debt which would be upheld in divorce settlement ? (by: Lisa Thomas) 8 363
Now told social fund debts not included. Initially they were included in IVA.Now told social fund debts not included. Initially they were included in IVA. (by: Michael Peoples) 4 262
I am in an IVA with Clear debt but would like to swop IVA company. Is there a compare site ?I am in an IVA with Clear debt but would like to swop IVA company. Is there a compare site ? (by: Foggy) 2 279
Most disappointed by continued errors by DFDMost disappointed by continued errors by DFD (by: Lisa Thomas) 8 1101
Scams Awareness MonthScams Awareness Month (by: lifenoteasy) 1 226
I am 62 and retire in 2 and half years, will I get a remortgage ?I am 62 and retire in 2 and half years, will I get a remortgage ? (by: Michael Peoples) 3 298
About bank changeAbout bank change (by: Foggy) 6 366
What sort of amount do you think would be accepted for a F&F ?What sort of amount do you think would be accepted for a F&F ? (by: Foggy) 4 301
Hi,Ive got mixed up in various payday and personal loans.Hi,Ive got mixed up in various payday and personal loans. (by: Foggy) 5 345
Am I able too sell my old car to reimburse my partner, not in an IVA, for a newer one ?Am I able too sell my old car to reimburse my partner, not in an IVA, for a newer one ? (by: Foggy) 5 302
Is there a way of getting a mortgage to buy our council home ?Is there a way of getting a mortgage to buy our council home ? (by: Ryan) 8 364
Hi, my ex partner is currently applying for IVA. How can I protect myself ?Hi, my ex partner is currently applying for IVA. How can I protect myself ? (by: Lisa Thomas) 4 312
How long after my F&F offer is accepted will any future windfalls no longer have to be paid ?How long after my F&F offer is accepted will any future windfalls no longer have to be paid ? (by: Lisa Thomas) 5 335
Hi, Can someone please confirm when my IVA is removed from my credit report ?Hi, Can someone please confirm when my IVA is removed from my credit report ? (by: Lisa Thomas) 5 375
I have joined the forums today but have been keen reader. I am struggling badly.I have joined the forums today but have been keen reader. I am struggling badly. (by: Lisa Thomas) 5 504
F + F PaymentF + F Payment (by: Lisa Thomas) 9 517
I got IVA plan but my salary go up.I got IVA plan but my salary go up. (by: Michael Peoples) 5 319
Speedy CompletionSpeedy Completion (by: Foggy) 12 1195
Noddle credit checkNoddle credit check (by: Foggy) 14 1658
Would my possible bonus increase the amount I pay or satisfy my agreed amount ?Would my possible bonus increase the amount I pay or satisfy my agreed amount ? (by: Natasha.h) 11 433
We have one payment to make to our IVA after 72 months now face remortgaging question.We have one payment to make to our IVA after 72 months now face remortgaging question. (by: Foggy) 9 607
Defaults not recorded on credit fileDefaults not recorded on credit file (by: Foggy) 5 1342
My IVA ended in 2011 and received certificate. How do I stand with getting PPI refund ?My IVA ended in 2011 and received certificate. How do I stand with getting PPI refund ? (by: Foggy) 2 354
Will past IVA effect mortgage application ? I am really worried we will get rejected.Will past IVA effect mortgage application ? I am really worried we will get rejected. (by: Shaun Vickery) 5 673
f & ff & f (by: Lisa Thomas) 8 516
When I get to the end of my IVA is that it ? Does the debt finish ?When I get to the end of my IVA is that it ? Does the debt finish ? (by: Andy Davie) 4 463
Proposal to resume payments.Proposal to resume payments. (by: Hufflepuff) 12 811
cap questcap quest (by: Foggy) 5 484
I am a foster carer,  can the money I receive for the children be regarded as disposable income ?I am a foster carer, can the money I receive for the children be regarded as disposable income ? (by: lifenoteasy) 3 552
Completion Certificate Harrington BrooksCompletion Certificate Harrington Brooks (by: linrog) 3 507
Extra income  earningsExtra income earnings (by: relieved33) 36 2029
if all PPI claims carried out were unsuccessful, why does IP still have hold after the fact ?if all PPI claims carried out were unsuccessful, why does IP still have hold after the fact ? (by: Foggy) 2 497
CAHOOTCAHOOT (by: Lisa Thomas) 4 1276
Is it normal that I cannot speak to IP at Harrington Brookes to discuss relocation options ?Is it normal that I cannot speak to IP at Harrington Brookes to discuss relocation options ? (by: achus007) 4 635
Reply from IVA company about equity doesnt make sense to me.Reply from IVA company about equity doesnt make sense to me. (by: Helen.k) 8 1447
Im in deep trouble. Harrington Brooks insist on increased payment as wife is not interested in IVA.Im in deep trouble. Harrington Brooks insist on increased payment as wife is not interested in IVA. (by: Foggy) 40 3232
Full & Final SettlementsFull & Final Settlements (by: Lisa.53) 28 1547
reduced tax creditsreduced tax credits (by: Foggy) 12 634
Payments completedPayments completed (by: bombshell) 10 676
IVA officially failedIVA officially failed (by: Lisa Thomas) 12 1053
British gas defaultBritish gas default (by: Lisa Thomas) 12 2211
My IVA ended in 2011.Would I be able to claim any PPI ?My IVA ended in 2011.Would I be able to claim any PPI ? (by: Foggy) 2 423
Questions about applying for an IVAQuestions about applying for an IVA (by: Lisa Thomas) 3 542
phone call 4 years after completionphone call 4 years after completion (by: hubert) 7 703
What is the best option for me ? To stay put, go self employed or put in a settlement offer ?What is the best option for me ? To stay put, go self employed or put in a settlement offer ? (by: Foggy) 8 572
Why is everything being made so awkward and prolonged. What do I do now ?Why is everything being made so awkward and prolonged. What do I do now ? (by: Foggy) 3 585
Companies no longer doing DMPCompanies no longer doing DMP (by: lifenoteasy) 11 758
Eventually received our IVA closure information after lots of arguing with the IPEventually received our IVA closure information after lots of arguing with the IP (by: Ryan) 11 2235
Got my closure certificate 2 years ago from GT. Told all my PPI from recent claim goes to IVA.Got my closure certificate 2 years ago from GT. Told all my PPI from recent claim goes to IVA. (by: Lisa Thomas) 4 641
Hi. This is my first post. Looking for anyone with experience of final settlement for advice.Hi. This is my first post. Looking for anyone with experience of final settlement for advice. (by: Lisa Thomas) 5 579
Just wondering whether a F & F would be possible, and if so, for what amount ?Just wondering whether a F & F would be possible, and if so, for what amount ? (by: Lisa Thomas) 6 634
I have been made bankrupt by my IP over a year agoI have been made bankrupt by my IP over a year ago (by: Lisa Thomas) 4 679
If we pay off arrears, will the IVA end on the original end date ?If we pay off arrears, will the IVA end on the original end date ? (by: Lisa Thomas) 4 630
Is it true that its impossible to get an IVA if Hitachi Finance is the main creditor ?Is it true that its impossible to get an IVA if Hitachi Finance is the main creditor ? (by: Dave Bowman) 4 928
Am I required to disclose my IVA, completed in December 2013 ?Am I required to disclose my IVA, completed in December 2013 ? (by: Lisa Thomas) 5 847
I need to find out how to close an IVA Urgently.I need to find out how to close an IVA Urgently. (by: Lisa Thomas) 3 950
Can I complain ? I believe extension is due to office being understaffed.Can I complain ? I believe extension is due to office being understaffed. (by: Lisa Thomas) 19 2623
Getting a credit cardGetting a credit card (by: Foggy) 10 1015
Reclaiming packaged bank account feesReclaiming packaged bank account fees (by: nelly74) 6 475
Can we get a mortgage as we have just completed our IVA ?Can we get a mortgage as we have just completed our IVA ? (by: Foggy) 6 1665
Bridgewood FinanceBridgewood Finance (by: lifenoteasy) 2 518
Paying 7 years for something we only expected to go 5 on is really frustrating.Paying 7 years for something we only expected to go 5 on is really frustrating. (by: Foggy) 5 823
Car Giving Up !!Car Giving Up !! (by: thisusernameistaken) 9 1284
PPI.  High Court Ruling ?PPI. High Court Ruling ? (by: thisusernameistaken) 8 2089
I have been asked again to provide 2 quotes or extend by 12 monthsI have been asked again to provide 2 quotes or extend by 12 months (by: Foggy) 5 1225
Posting a question  favourPosting a question favour (by: admin) 3 794
Who took over Accuma insolvency when they went into liquidation ?Who took over Accuma insolvency when they went into liquidation ? (by: Foggy) 3 745
What are my chances of getting a mortgage ?What are my chances of getting a mortgage ? (by: Ryan) 5 1143
IP confirms I am under no obligation to pay money into IVA after F & F completedIP confirms I am under no obligation to pay money into IVA after F & F completed (by: Philip.61) 6 868
IVA Approved!!!!!!!!IVA Approved!!!!!!!! (by: fruitloop) 39 8199
Does this constitute after acquired property and do I need to inform IP ?Does this constitute after acquired property and do I need to inform IP ? (by: lifenoteasy) 3 786
Due to a favourable change in financial circumstances would I be able to pay creditors direct ?Due to a favourable change in financial circumstances would I be able to pay creditors direct ? (by: Foggy) 2 779
Is CreditFix a legitimate company !Is CreditFix a legitimate company ! (by: Lisa Thomas) 5 833
With an IVA, can anyone have access to my business ?With an IVA, can anyone have access to my business ? (by: Lisa Thomas) 5 763
CreditfixCreditfix (by: Backontrack) 7 968
Mortgage Arrangement Fees & EquityMortgage Arrangement Fees & Equity (by: Michael Peoples) 13 978
Mortgage & Equity QueriesMortgage & Equity Queries (by: leaKybrain) 39 3420
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) 71 21846
Hi, I have been in an iva for 3 years and have been struggling since day oneHi, I have been in an iva for 3 years and have been struggling since day one (by: Michael Peoples) 15 1393
I am a creditor who is owed a substantial amount and have suspicions about another creditor.I am a creditor who is owed a substantial amount and have suspicions about another creditor. (by: Lisa Thomas) 4 969
Hi,  I just wanted to know, what would happen if I obtained a credit card while in an IVA ?Hi, I just wanted to know, what would happen if I obtained a credit card while in an IVA ? (by: Lisa Thomas) 10 1260
After F & F offer accepted it now appears we may have equity.  Will they be entitled to any ?After F & F offer accepted it now appears we may have equity. Will they be entitled to any ? (by: Andy Davie) 4 1113
I wish to get out of IVA earlier or cancel it because I never signed the agreement.I wish to get out of IVA earlier or cancel it because I never signed the agreement. (by: Michael Peoples) 4 984
I am looking for a way out or is this not possible given my circumstances ?I am looking for a way out or is this not possible given my circumstances ? (by: Michael Peoples) 4 1365
Would my daughters IVA affect her partners application for a mortgage in his name ?Would my daughters IVA affect her partners application for a mortgage in his name ? (by: Michael Peoples) 4 988
high court Northern Irelandhigh court Northern Ireland (by: Michael Peoples) 2 957
Ease or difficulty of getting a mortgage ?Ease or difficulty of getting a mortgage ? (by: hubert) 5 1029
Creditfix review I&E formCreditfix review I&E form (by: hubert) 9 1180
After an IVA has been set up has a creditor the legal right to set offAfter an IVA has been set up has a creditor the legal right to set off (by: Michael Peoples) 4 941
Fingers crossed re equityFingers crossed re equity (by: Foggy) 4 933
How do we work out what kind of sum to offer as a full and final settlement ?How do we work out what kind of sum to offer as a full and final settlement ? (by: Lisa Thomas) 3 1053
proof of claimproof of claim (by: Lisa Thomas) 3 1061
Could I be expected to get a secured loan or even sell my properties ?Could I be expected to get a secured loan or even sell my properties ? (by: Michael Peoples) 3 893
3 quarters of my debt was business debt so shouldnt 3 quarters of IVA payment be tax relief ?3 quarters of my debt was business debt so shouldnt 3 quarters of IVA payment be tax relief ? (by: Michael Peoples) 3 924
Ive been told  the DLA money I receive will be included in the total income I receive ?Ive been told the DLA money I receive will be included in the total income I receive ? (by: Michael Peoples) 7 988
Theres been a lot of debate about whether a variation can be called without consent of debtor.Theres been a lot of debate about whether a variation can be called without consent of debtor. (by: Michael Peoples) 12 1127
Payment Holiday and Credifix!Payment Holiday and Credifix! (by: leaKybrain) 4 1088
PCO Holdco Sarl DefaultPCO Holdco Sarl Default (by: althas) 5 1009
Lenders are not willing to help with remortgaging. What can I do ?Lenders are not willing to help with remortgaging. What can I do ? (by: Andy Davie) 4 1003
Can I look at a long term lease car ? If so, can you recommend anybody ?Can I look at a long term lease car ? If so, can you recommend anybody ? (by: Andy Davie) 5 975
23 payments left!23 payments left! (by: bombshell) 5 1112
I am currently drafting an IVA with my IP.  Does IVA have to be based on joint income ?I am currently drafting an IVA with my IP. Does IVA have to be based on joint income ? (by: Michael Peoples) 4 924
Any details about Buchanan Wells ? Where would they have got my details from ?Any details about Buchanan Wells ? Where would they have got my details from ? (by: lifenoteasy) 5 925
If lump sum payment received, would all of this need to be paid to IVA ?If lump sum payment received, would all of this need to be paid to IVA ? (by: Foggy) 3 1023
When my monthly payment is increased does the termWhen my monthly payment is increased does the term (by: Foggy) 2 919
Mobile Phone ContractsMobile Phone Contracts (by: lifenoteasy) 7 1108
An ApologyAn Apology (by: Michael Peoples) 7 1657
Am I correct in thinking that when an IVA is completed no more money could be taken.Am I correct in thinking that when an IVA is completed no more money could be taken. (by: Michael Peoples) 6 1091
Is this a viable full and final offer ?Is this a viable full and final offer ? (by: prisoner63) 4 1036
TENANCY CREDIT SEARCHTENANCY CREDIT SEARCH (by: Hairbobbles) 4 932
No response to complaint from FJ, now contacted Ombudsman. Do we continue payments ?No response to complaint from FJ, now contacted Ombudsman. Do we continue payments ? (by: Lisa Thomas) 12 2968
First payment taken by arranging company though they advised no funds are paid to them.First payment taken by arranging company though they advised no funds are paid to them. (by: Foggy) 9 2688
My wife has had no success in applying for redundancy pay as employer has applied for IVA.My wife has had no success in applying for redundancy pay as employer has applied for IVA. (by: Lisa Thomas) 3 888
The company which advised us to stop payments has vanished. Should we reinstate payments ?The company which advised us to stop payments has vanished. Should we reinstate payments ? (by: Lisa Thomas) 4 1030
Help re full and final offerHelp re full and final offer (by: Karendj19) 23 2895
Thanks to Zebra MoneyThanks to Zebra Money (by: Adam16) 7 940
In an IVA for two years, now being made redundant. Would I be able to pay off the remainder ?In an IVA for two years, now being made redundant. Would I be able to pay off the remainder ? (by: Michael Peoples) 3 921
My IVA is due to end 22nd July 2015. Can I ask to get defaults removed now ?My IVA is due to end 22nd July 2015. Can I ask to get defaults removed now ? (by: luluj) 4 957
yes yes yes.......yes yes yes....... (by: lesley) 9 1127
Credit fix and equity release Positive news!!Credit fix and equity release Positive news!! (by: recovering) 21 3457
CF and completion certificatesCF and completion certificates (by: starbucksqueen) 6 1557
Queries about taking a pension before the IVA endsQueries about taking a pension before the IVA ends (by: Foggy) 5 1379
My IVA has been terminated and I dont know what to doMy IVA has been terminated and I dont know what to do (by: Foggy) 4 1073
I completed my IVA in June  2014, and have CC. How do I remove it from credit report ?I completed my IVA in June 2014, and have CC. How do I remove it from credit report ? (by: Foggy) 2 912
Id be really grateful for some help. The equity release issue has me completely baffled.Id be really grateful for some help. The equity release issue has me completely baffled. (by: Michael Peoples) 12 1289
A few concerns about going into an IVA as directors of our own LTD company.A few concerns about going into an IVA as directors of our own LTD company. (by: lifenoteasy) 7 1410
RX1 RemovalRX1 Removal (by: Steven1001) 5 985

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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.

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