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Top 150 Debt Questions from the IVA Forum
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TitlePostsViews
Credit fileCredit file (by: stevie43) 3 26
change of circumstancechange of circumstance (by: kallis3) 4 52
Where to now??Where to now?? (by: kallis3) 6 91
If my practioner finds out I had to take a loan after marriage breakup, will I be made bankrupt ?If my practioner finds out I had to take a loan after marriage breakup, will I be made bankrupt ? (by: Andy Davie) 3 107
Should I keep on paying my creditors and never be debt free, or do an IVA ?Should I keep on paying my creditors and never be debt free, or do an IVA ? (by: kallis3) 8 736
RemortgageRemortgage (by: luluj) 18 1468
Hi, we have had many issues with 123 debt, what help is available ?Hi, we have had many issues with 123 debt, what help is available ? (by: kallis3) 4 191
Hi all, am after some advice please. IVA completed July 2013 with F&F.  Looking for a mortgage.Hi all, am after some advice please. IVA completed July 2013 with F&F. Looking for a mortgage. (by: luluj) 3 103
Annual ReviewAnnual Review (by: kallis3) 8 208
Credit Report after IVACredit Report after IVA (by: kallis3) 6 201
Default and settled accounts on credit report.Default and settled accounts on credit report. (by: kallis3) 2 166
Our F&F meeting has been agreed and paid.  Do we still have to see out the 6 year term ?Our F&F meeting has been agreed and paid. Do we still have to see out the 6 year term ? (by: kallis3) 3 168
f&f settlement letterf&f settlement letter (by: SUC) 16 301
Seems really unfair so close to the end that Freeman Jones are disputing my very first payment.Seems really unfair so close to the end that Freeman Jones are disputing my very first payment. (by: harald) 13 546
I owe 6000 and Ive been advised an IVA is better for me ?I owe 6000 and Ive been advised an IVA is better for me ? (by: Andy.75) 9 296
My IVA completed in 2011. Can you please confirm the legalities of the Green v Wright case ?My IVA completed in 2011. Can you please confirm the legalities of the Green v Wright case ? (by: kallis3) 52 3921
Hi there my life is falling apart and my wife and I have separated. Need some sound advice.Hi there my life is falling apart and my wife and I have separated. Need some sound advice. (by: stueyc) 14 323
Pay RisePay Rise (by: Foggy) 2 170
IVA Completion !!!!!!!  Hi all. what next ??  Many thanks for any advice, ideas, help ...IVA Completion !!!!!!! Hi all. what next ?? Many thanks for any advice, ideas, help ... (by: Andy.75) 7 247
How long may it take until the meetingvoting of creditors is set up?How long may it take until the meetingvoting of creditors is set up? (by: Foggy) 15 569
Im about to be dismissed from my job and will lose my company car. How can I buy another ?Im about to be dismissed from my job and will lose my company car. How can I buy another ? (by: lifenoteasy) 4 202
Hello I need advice about a  company pensionHello I need advice about a company pension (by: kallis3) 41 3084
Hi can anyone please advise me? I have a gambling addiction.Hi can anyone please advise me? I have a gambling addiction. (by: Foggy) 11 243
I need a number please for the Financial Omsbudman.I need a number please for the Financial Omsbudman. (by: Foggy) 2 205
DRO advice pleaseDRO advice please (by: kallis3) 2 187
completioncompletion (by: Foggy) 2 198
Would a cut in pay effect my IVA agreement ?Would a cut in pay effect my IVA agreement ? (by: KCdude) 4 213
If we put our property on the market would we lose equity to IVA ?If we put our property on the market would we lose equity to IVA ? (by: lifenoteasy) 3 202
Hi Everyone, can you go into another IVA company ?Hi Everyone, can you go into another IVA company ? (by: kallis3) 2 194
Are we jumping the gun to book our holiday for October. Our last payment was in March.Are we jumping the gun to book our holiday for October. Our last payment was in March. (by: watzki) 12 379
I would love some reassurance that this is a mistake and my account will be defreezedI would love some reassurance that this is a mistake and my account will be defreezed (by: kallis3) 17 460
Hi, I have recently returned to work after maternity leave, trying to sort out new ie review.Hi, I have recently returned to work after maternity leave, trying to sort out new ie review. (by: kallis3) 2 184
Is there anything I can do to limit DFDs hold over me ?Is there anything I can do to limit DFDs hold over me ? (by: kallis3) 4 220
We have our CC :),  how do I find out if the RX1 has been taken off our property ?We have our CC :), how do I find out if the RX1 has been taken off our property ? (by: kallis3) 3 223
Do you think this delay is reasonable ?Do you think this delay is reasonable ? (by: Lisa Thomas) 11 285
So close yet so far  we possibly need a new carSo close yet so far we possibly need a new car (by: Imhotep) 17 374
I am in the position to pay in full my IVA.  Company are talking about secured loan.I am in the position to pay in full my IVA. Company are talking about secured loan. (by: Lisa Thomas) 14 717
F and F with payplanF and F with payplan (by: kallis3) 35 1184
When is the Green vs Wright going to the appeal court ?,When is the Green vs Wright going to the appeal court ?, (by: kallis3) 25 6135
I have been chasing up my F&F offer and I am concerned it is being ignored.I have been chasing up my F&F offer and I am concerned it is being ignored. (by: Foggy) 11 1746
I cannot afford increase, tired of struggling, considering stopping the IVA.  What should I do ?I cannot afford increase, tired of struggling, considering stopping the IVA. What should I do ? (by: Lisa Thomas) 30 1777
Hello;  I need help obtaining a mortgage, I had a lump sum IVA completed August 2012.Hello; I need help obtaining a mortgage, I had a lump sum IVA completed August 2012. (by: kallis3) 8 321
Green v Wright appealGreen v Wright appeal (by: Lisa Thomas) 5 487
Even though I have just started an IVA, can I apply for a F&F ?Even though I have just started an IVA, can I apply for a F&F ? (by: Lisa Thomas) 4 274
Will I be able to live in London at a considerably increased rent ?Will I be able to live in London at a considerably increased rent ? (by: Lisa Thomas) 7 341
Why are there defaults on our credit files ?Why are there defaults on our credit files ? (by: Foggy) 3 279
MISHANDLING of PPI after completed IVAMISHANDLING of PPI after completed IVA (by: lifenoteasy) 44 1319
How realistic is a mortgageHow realistic is a mortgage (by: luluj) 21 2323
Hi, I have received a letter ... Is this a scam ?!Hi, I have received a letter ... Is this a scam ?! (by: lesley) 6 547
Forum EtiquetteForum Etiquette (by: kallis3) 1 266
I am trying to get my debt under control but this has really confused me.I am trying to get my debt under control but this has really confused me. (by: Lisa Thomas) 4 407
Would it be possible for a cousin to pay a F&F for me due to my bad health ?Would it be possible for a cousin to pay a F&F for me due to my bad health ? (by: Lisa Thomas) 3 333
Will I keep some of the expected savings when I move in with my partner ?Will I keep some of the expected savings when I move in with my partner ? (by: Lisa Thomas) 3 434
McCambridge Duffy HelpMcCambridge Duffy Help (by: Lisa Thomas) 15 996
Do I have to disclose that I have been diagnosed with AlzheimersDo I have to disclose that I have been diagnosed with Alzheimers (by: lifenoteasy) 5 631
A creditor is still sending a statement every monthA creditor is still sending a statement every month (by: kallis3) 3 391
Hi could somebody please advise me as Im really worried about my futureHi could somebody please advise me as Im really worried about my future (by: Garry.d) 13 930
Aperture full and final processAperture full and final process (by: Starry30) 19 1417
credit ratingcredit rating (by: Foggy) 3 430
I am at my wits end for my Mum who seems to be worse off than before IVA.I am at my wits end for my Mum who seems to be worse off than before IVA. (by: size5) 4 917
Can my husband pay the 12 month extension in one lump ?Can my husband pay the 12 month extension in one lump ? (by: Lisa Thomas) 3 622
I have just paid my final payment (72). Will unsold timeshare extend IVA further ?I have just paid my final payment (72). Will unsold timeshare extend IVA further ? (by: Lisa Thomas) 6 766
We get letters that IVA is at risk as Kingsgate keep losing info. Advice please about F&F.We get letters that IVA is at risk as Kingsgate keep losing info. Advice please about F&F. (by: Lisa Thomas) 4 796
I have been thinking of doing an IVA but dont know how it will effect me, short and long term ?I have been thinking of doing an IVA but dont know how it will effect me, short and long term ? (by: Lisa Thomas) 15 1025
I paid off my IVA after 2 years.  How do I stand with regards to getting a mortgage .I paid off my IVA after 2 years. How do I stand with regards to getting a mortgage . (by: luluj) 4 596
Credit Fix I&E formCredit Fix I&E form (by: kallis3) 8 584
Eversheds still defaulting meEversheds still defaulting me (by: kallis3) 10 616
RemortgagingRemortgaging (by: Foggy) 3 574
I was taken aback by accusing letter sent to me by SHL.  Do they have some power over my IVA ?I was taken aback by accusing letter sent to me by SHL. Do they have some power over my IVA ? (by: kallis3) 2 648
Can a change be made from a Tenants in Common to a Joint Tenants ownership in an IVA  ?Can a change be made from a Tenants in Common to a Joint Tenants ownership in an IVA ? (by: Foggy) 2 656
What is a land registry restriction ?What is a land registry restriction ? (by: Foggy) 3 690
Does this sound rightDoes this sound right (by: lesley) 14 1198
The Holiday  Keep GoingThe Holiday Keep Going (by: MrsR) 32 5980
Am I wasting my time by trying to remortgage only a few months out of my IVA ?Am I wasting my time by trying to remortgage only a few months out of my IVA ? (by: Helen.k) 6 826
Cleardebt transferred us to Aperture with one payment left. CC in 6 months is surely too long ?Cleardebt transferred us to Aperture with one payment left. CC in 6 months is surely too long ? (by: Helen.k) 6 813
IVA ends May 2016, whoop, but Im scared Creditfix are going to hit me with bad news !IVA ends May 2016, whoop, but Im scared Creditfix are going to hit me with bad news ! (by: lesley) 6 866
ThanksThanks (by: luluj) 8 872
WRIGHT V GREENWRIGHT V GREEN (by: JB3178) 7 2116
My husband is being told he has to apply for a remortgage to clear the last year. Is this illegal ?My husband is being told he has to apply for a remortgage to clear the last year. Is this illegal ? (by: Lisa Thomas) 4 875
I want to clear the outstanding amount on my daughters IVA , but have a few queries.I want to clear the outstanding amount on my daughters IVA , but have a few queries. (by: Lisa Thomas) 5 814
PayPlan are saying that my wife must pay in all her windfall.  She offered a F&F.PayPlan are saying that my wife must pay in all her windfall. She offered a F&F. (by: Lisa Thomas) 6 1052
Car was in IVA, when can we sell ?Car was in IVA, when can we sell ? (by: Helen.k) 4 828
Can I put forward an IVA if my income is only Income Support and Child Benefits ?Can I put forward an IVA if my income is only Income Support and Child Benefits ? (by: Lisa Thomas) 5 897
Yipeeeeee !!!Yipeeeeee !!! (by: linrog) 7 4811
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: Foggy) 227 56370
Can anyone advise typical fees for an IVA ?Can anyone advise typical fees for an IVA ? (by: kallis3) 5 925
Clearscore Credit Score?Clearscore Credit Score? (by: lesley) 3 956
Can 12 month extension be applied before 6 month bonus extension?Can 12 month extension be applied before 6 month bonus extension? (by: Lisa Thomas) 4 769
Is it normal for an IVA company to play catch up at the end of the IVA ?Is it normal for an IVA company to play catch up at the end of the IVA ? (by: Lisa Thomas) 21 2376
Totally confused about breakdown of my F&F. Any advice appreciated.Totally confused about breakdown of my F&F. Any advice appreciated. (by: Lisa Thomas) 3 966
VN.  Is it worth making a formal complaint; not being notified and not giving a CC time frame ?VN. Is it worth making a formal complaint; not being notified and not giving a CC time frame ? (by: Lisa Thomas) 5 958
Im just about to clear my IVA in full, and now been notified of a new debt that has been added.Im just about to clear my IVA in full, and now been notified of a new debt that has been added. (by: Lisa Thomas) 4 961
Its my 4th review and Im a bit confused. I was with B&E, then GT and now Aperture.Its my 4th review and Im a bit confused. I was with B&E, then GT and now Aperture. (by: Lisa Thomas) 3 930
Is IVA complete?Is IVA complete? (by: Lisa Thomas) 68 20399
Transferred to Knightsbridge without any mention of 12 month extension.Transferred to Knightsbridge without any mention of 12 month extension. (by: Lisa Thomas) 18 1193
Polite letter explaining all never replied to. Had major surgery and in a bad state.Polite letter explaining all never replied to. Had major surgery and in a bad state. (by: Lisa Thomas) 17 1644
IVA started Nov 201l, F&F Feb 2015. Would my being on property deeds link us financially ?IVA started Nov 201l, F&F Feb 2015. Would my being on property deeds link us financially ? (by: lifenoteasy) 4 741
If I pay off my IVA early, what are my chances of getting a mortgage ?If I pay off my IVA early, what are my chances of getting a mortgage ? (by: luluj) 8 820
Post IVA Emloyment QuestionPost IVA Emloyment Question (by: MrsR) 13 2150
All details of my IVA have cleared.  If I apply for a loan, would I be accepted ?All details of my IVA have cleared. If I apply for a loan, would I be accepted ? (by: kallis3) 7 862
When does the 30 day payment start after creditor approval of an IVA ?When does the 30 day payment start after creditor approval of an IVA ? (by: Lisa Thomas) 7 1115
Awaiting Proposal. How long does this usually take ?Awaiting Proposal. How long does this usually take ? (by: Foggy) 24 3971
I didnt actually understand the equity clause. Id welcome some advice.I didnt actually understand the equity clause. Id welcome some advice. (by: Lisa Thomas) 7 1000
What evidence will my sister need to provide to offer a final settlement for my IVA ?What evidence will my sister need to provide to offer a final settlement for my IVA ? (by: kallis3) 6 971
I may be coming into some money, but not enough to pay off total debtI may be coming into some money, but not enough to pay off total debt (by: julesmefc) 45 2958
i dont believe PayPlan are entitled to revised PPI claim ?i dont believe PayPlan are entitled to revised PPI claim ? (by: lifenoteasy) 7 1306
I am up for a review & am wondering if there are any guidelines for allowances ?I am up for a review & am wondering if there are any guidelines for allowances ? (by: Lisa Thomas) 6 938
I have finished my IVA. Not sure what to do about a debt that is still showing as a default.I have finished my IVA. Not sure what to do about a debt that is still showing as a default. (by: kallis3) 7 1910
IVAs  Adverts like this do not helpIVAs Adverts like this do not help (by: kallis3) 5 1020
I had an IVA which finished 1st February 2015, wouId I now be able to get a joint mortgage ?I had an IVA which finished 1st February 2015, wouId I now be able to get a joint mortgage ? (by: Ryan) 5 1049
Pension in an IVAPension in an IVA (by: lifenoteasy) 12 1065
Early settlement offerEarly settlement offer (by: Lisa Thomas) 48 8873
Wondering what is the acceptance rate of full and final settlementsWondering what is the acceptance rate of full and final settlements (by: Foggy) 4 962
Is it allowed to double our payment ? We were told it would be the same amount for the term.Is it allowed to double our payment ? We were told it would be the same amount for the term. (by: Foggy) 3 970
Hi, we entered a iva in 2009, not paid it for two years.  What do we do now ?Hi, we entered a iva in 2009, not paid it for two years. What do we do now ? (by: lesley) 5 1150
I am scared that by pursuing further action against IVA company my CC will be withheld.I am scared that by pursuing further action against IVA company my CC will be withheld. (by: lesley) 3 982
All Done  Yaay!All Done Yaay! (by: lesley) 10 1069
We dont have a clue as to what happens after an IVA failure or what our best move should be.We dont have a clue as to what happens after an IVA failure or what our best move should be. (by: Lisa Thomas) 5 1061
One of my loans has been added to my wifes IVAOne of my loans has been added to my wifes IVA (by: Lisa Thomas) 3 963
PPIPPI (by: Lisa Thomas) 3 995
We are struggling with Apertures online equity application form.We are struggling with Apertures online equity application form. (by: Lisa Thomas) 3 991
Where can I get an IVA from a company I can trust ?Where can I get an IVA from a company I can trust ? (by: Lisa Thomas) 8 1072
Loan repayment refund (hsbc)Loan repayment refund (hsbc) (by: kallis3) 9 1964
Can I apply to do the IVA again ? I didnt get my documents in time previously.Can I apply to do the IVA again ? I didnt get my documents in time previously. (by: Lisa Thomas) 3 1005
Has a new date been set for wright v green as the one this week is cancelled ?Has a new date been set for wright v green as the one this week is cancelled ? (by: urbanfox) 3 1070
Can I renew family phone contracts ?Can I renew family phone contracts ? (by: kallis3) 6 1533
Hi is there anyone out there who can help me secure a RTB mortgage ?Hi is there anyone out there who can help me secure a RTB mortgage ? (by: Foggy) 3 992
Is the process of offering a F&F as simple as this ?Is the process of offering a F&F as simple as this ? (by: Foggy) 3 993
Thanks to all for replying.  Dare I name as you asked ?Thanks to all for replying. Dare I name as you asked ? (by: Lisa Thomas) 2 1051
Creditfix expansionCreditfix expansion (by: lifenoteasy) 7 1278
What happens if a creditor approaches you and you have an IVA in place ?What happens if a creditor approaches you and you have an IVA in place ? (by: Lisa Thomas) 5 1179
Im a teacher and my IVA finishes In August. Can I get a mortgage ?Im a teacher and my IVA finishes In August. Can I get a mortgage ? (by: Lisa Thomas) 6 1158
Still awaiting CC 7 monthsStill awaiting CC 7 months (by: Lisa Thomas) 3 1003
I dont know whether bankruptcy would be an option for meI dont know whether bankruptcy would be an option for me (by: Lisa Thomas) 14 1143
Just found out Im expecting twins ! How will an extension, paid for by parents, affect my IVA ?Just found out Im expecting twins ! How will an extension, paid for by parents, affect my IVA ? (by: Lisa Thomas) 10 1471
Hi thanks for reply but IVA are saying my refund must be paid to them ?Hi thanks for reply but IVA are saying my refund must be paid to them ? (by: Lisa Thomas) 15 1610
I recieved my completion certificate! what now?I recieved my completion certificate! what now? (by: Lisa Thomas) 7 1503
Aperture have asked me to sign a post completion document. I do not want to.Aperture have asked me to sign a post completion document. I do not want to. (by: Lisa Thomas) 8 1393
IVA ended September 2015 but not had certificates because of PPI challengeIVA ended September 2015 but not had certificates because of PPI challenge (by: Lisa Thomas) 5 1302
Hi, I have recently become in danger of being made homeless.Hi, I have recently become in danger of being made homeless. (by: Lisa Thomas) 9 1924
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) 25 2210
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: Lisa Thomas) 34 4484
Overtime.  I get paid weekly so is it 105050 per week or monthly ?Overtime. I get paid weekly so is it 105050 per week or monthly ? (by: lesley) 5 1011
Do I benefit from energy bill savings ?Do I benefit from energy bill savings ? (by: lesley) 4 1023
Looking for car insurance with monthly rates.Looking for car insurance with monthly rates. (by: ILuvcats) 8 1503
Paying IVA EarlyPaying IVA Early (by: linrog) 6 1419
Worried and stressed out about doing a new I&EWorried and stressed out about doing a new I&E (by: Foggy) 3 1177
Its here !Its here ! (by: Sally1966) 22 1991
OverpaymentOverpayment (by: watzki) 13 2469
Credit ScoreCredit Score (by: Lisa Thomas) 6 1359

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