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TitlePostsViews
Finished IVA after 6 years May 2013. Waited 2 years for CC. Why cant I keep outstanding PPI ?Finished IVA after 6 years May 2013. Waited 2 years for CC. Why cant I keep outstanding PPI ? (by: kallis3) 2 24
Finished trust deed with Credit Fix who now tell me I have to pay for another 24 months.Finished trust deed with Credit Fix who now tell me I have to pay for another 24 months. (by: lifenoteasy) 6 97
Credit file question please helpCredit file question please help (by: kallis3) 2 51
Orange Cash shutting downOrange Cash shutting down (by: kallis3) 2 191
After paying first instalment of IVA, why did company I was in debt with take money ?After paying first instalment of IVA, why did company I was in debt with take money ? (by: kallis3) 2 81
Im so upset and in tears. I dont have the money that has been demanded.  What could happen ?Im so upset and in tears. I dont have the money that has been demanded. What could happen ? (by: kallis3) 10 313
Stunned!Stunned! (by: Radish) 10 425
Dear Panel, please could you advise where I stand with regards to short maternity leave.Dear Panel, please could you advise where I stand with regards to short maternity leave. (by: Foggy) 3 141
Should I sign PPI declaration and do I actually have a choice ?Should I sign PPI declaration and do I actually have a choice ? (by: Foggy) 4 136
Cleardebt, the joke its becomingCleardebt, the joke its becoming (by: lifenoteasy) 9 446
My husband had to buy a cheap run around car but never communicated this to IPMy husband had to buy a cheap run around car but never communicated this to IP (by: hubert) 6 324
Credit ReportCredit Report (by: Christabellesparkle) 14 420
If I have to pay extra 12 months will a lump sum be accepted. I dont have a year left in UK.If I have to pay extra 12 months will a lump sum be accepted. I dont have a year left in UK. (by: Foggy) 2 191
I am concerned for my parents financial future. Can, should, they keep their house ?I am concerned for my parents financial future. Can, should, they keep their house ? (by: Foggy) 2 185
I completed my IVA 23 years ago. Who could I get a mortgage with ?I completed my IVA 23 years ago. Who could I get a mortgage with ? (by: Ryan) 5 305
Best bank account??Best bank account?? (by: lesley) 43 920
Is there anything I can do to speed up receipt of CC from DVD ?Is there anything I can do to speed up receipt of CC from DVD ? (by: Emma.cl) 4 288
Public Audit BureauPublic Audit Bureau (by: kallis3) 14 2107
Today Ive just found out that if I cant remortgage I will have to pay 12 more months.Today Ive just found out that if I cant remortgage I will have to pay 12 more months. (by: kallis3) 4 426
Defaults reported after IVA completed.Defaults reported after IVA completed. (by: Foggy) 3 224
This is my first post.  Does anyone have any advice for me ?This is my first post. Does anyone have any advice for me ? (by: lifenoteasy) 8 394
Finished IVA March 2014, now looking to move.Finished IVA March 2014, now looking to move. (by: Ryan) 3 405
I have just completed my first year of payments but worried this was the wrong plan.I have just completed my first year of payments but worried this was the wrong plan. (by: Foggy) 4 334
A friend of mine has been told its got to be done over 6 years after initially saying 5 yearsA friend of mine has been told its got to be done over 6 years after initially saying 5 years (by: Foggy) 4 321
Feeling FrustratedFeeling Frustrated (by: longslog101) 22 1845
Should I call the police ?Should I call the police ? (by: longslog101) 18 1140
What are the benefits of cancelling ? I am concerned that I will be unable to rent for 6 years.What are the benefits of cancelling ? I am concerned that I will be unable to rent for 6 years. (by: lifenoteasy) 3 294
Hi, IVA meeting tomorrow. Will Halifax freeze my new account ? I dont owe them anything.Hi, IVA meeting tomorrow. Will Halifax freeze my new account ? I dont owe them anything. (by: luluj) 8 568
What happens if either I sell a house while in an IVA, or wait until IVA had ended ?What happens if either I sell a house while in an IVA, or wait until IVA had ended ? (by: Foggy) 2 356
I was living with my father when I entered my IVA, who passed away 3 months later.I was living with my father when I entered my IVA, who passed away 3 months later. (by: Foggy) 2 401
I dont see how I can afford IVA now child care costs have risen substantially.I dont see how I can afford IVA now child care costs have risen substantially. (by: lifenoteasy) 7 647
Good morning, just a query if you could help that would be greatGood morning, just a query if you could help that would be great (by: Foggy) 7 511
Hi all,  who would do a forced sale valuation ?Hi all, who would do a forced sale valuation ? (by: Helen.k) 4 497
Can an IVA be extended after the 5+1 years  eg into 7th year ?Can an IVA be extended after the 5+1 years eg into 7th year ? (by: Foggy) 7 458
Going bankrupt.  What happens to money paid to PayPlan ? Will I lose my car ?Going bankrupt. What happens to money paid to PayPlan ? Will I lose my car ? (by: Andy Davie) 5 616
I am struggling mentally on a day to day basis. I would be really grateful for some advice please.I am struggling mentally on a day to day basis. I would be really grateful for some advice please. (by: Andy Davie) 6 683
RemortgagingRemortgaging (by: Foggy) 9 572
Annual ReviewAnnual Review (by: Michael Peoples) 10 639
Annual Review  Required DocumentationAnnual Review Required Documentation (by: Michael Peoples) 6 588
Would compensation for a medical claim have to be paid into the IVA?Would compensation for a medical claim have to be paid into the IVA? (by: Michael Peoples) 6 625
What happens if I am unable to make payments after leaving work ?What happens if I am unable to make payments after leaving work ? (by: luluj) 3 519
Refused two positions as my IVA is showing as current despite it having finished March 2015.Refused two positions as my IVA is showing as current despite it having finished March 2015. (by: luluj) 9 849
Is it possible to get a self employed IVA as director of a limited company ?Is it possible to get a self employed IVA as director of a limited company ? (by: lifenoteasy) 5 496
DFD playing games againDFD playing games again (by: Evette Everest) 13 878
credit Filecredit File (by: Goosed) 15 1121
Hi, Freeman Jones want to extend my IVAHi, Freeman Jones want to extend my IVA (by: Spencer.Last) 7 798
house salehouse sale (by: lesley) 9 623
I am terrified of how we will manage once my wage drops.I am terrified of how we will manage once my wage drops. (by: Michael Peoples) 23 2461
Creditors in IVA transferring debtCreditors in IVA transferring debt (by: Foggy) 10 1342
Will bonus and back pay for pay rise be treated as individual payments or as a whole ?Will bonus and back pay for pay rise be treated as individual payments or as a whole ? (by: Andy Davie) 3 696
Rx1 questionRx1 question (by: Foggy) 6 713
3 days til last payment!3 days til last payment! (by: lesley) 4 745
fosterfoster (by: lesley) 6 773
Just startingJust starting (by: JustPlainStupid) 27 1526
Do I have to wait the full 6 years to remove defaults after early settlement ?Do I have to wait the full 6 years to remove defaults after early settlement ? (by: Foggy) 3 697
Do I have to join my husband in an IVA ?Do I have to join my husband in an IVA ? (by: Andy Davie) 5 730
Im wondering, whats the catch ?Im wondering, whats the catch ? (by: Andy Davie) 6 772
FAO Evette Everest DFDFAO Evette Everest DFD (by: kallis3) 10 1395
Will the fact that I completed an IVA 10 years ago effect my claim for PPI ?Will the fact that I completed an IVA 10 years ago effect my claim for PPI ? (by: lifenoteasy) 2 594
Just had the call  Equity release!!!Just had the call Equity release!!! (by: simon1883) 29 3762
I am not going to meet the minimum dividend and at a loss as to what to doI am not going to meet the minimum dividend and at a loss as to what to do (by: Andy Davie) 5 714
Is that the finish line in sight ?Is that the finish line in sight ? (by: Michael Peoples) 7 730
We are selling our house and settling IVA but having difficulty with removal of restriction.We are selling our house and settling IVA but having difficulty with removal of restriction. (by: lifenoteasy) 2 630
Can I consider an IVA .Can I consider an IVA . (by: Foggy) 4 685
Wondering how successful PPI claims effect my current IVA ?Wondering how successful PPI claims effect my current IVA ? (by: Foggy) 4 631
full and final settlementfull and final settlement (by: lesley) 8 1252
barclaycard and defaults on credit reportbarclaycard and defaults on credit report (by: lifenoteasy) 11 1190
The EndThe End (by: luluj) 8 847
Can we use a bonus to pay settlement of IVA ?Can we use a bonus to pay settlement of IVA ? (by: Goosed) 2 737
PPI..RBS and Natwest shared information?PPI..RBS and Natwest shared information? (by: bombshell) 5 714
Could we ask a family member to provide funds for equity release, or a bonus from work ?Could we ask a family member to provide funds for equity release, or a bonus from work ? (by: Andy Davie) 10 675
Would I be able to get a secure loan and end IVA as circumstances have critically changed ?Would I be able to get a secure loan and end IVA as circumstances have critically changed ? (by: Shaun Vickery) 4 661
Wondering about best way to start rebuilding credit score.  I would like to get a mortgage.Wondering about best way to start rebuilding credit score. I would like to get a mortgage. (by: Foggy) 6 702
I failed my IVA and since paid off the debts. Am I clear to apply for a mortgage ?I failed my IVA and since paid off the debts. Am I clear to apply for a mortgage ? (by: Shaun Vickery) 7 1300
Is there anything I can do to get a mortgage ? IVA started June 2009, CC February 2015Is there anything I can do to get a mortgage ? IVA started June 2009, CC February 2015 (by: Shaun Vickery) 8 1222
Does the fact that my husband has an IVA prevent us from getting a mortgage ?Does the fact that my husband has an IVA prevent us from getting a mortgage ? (by: Shaun Vickery) 5 653
Approaching the end of my IVA I would be grateful for answers to a few questions.Approaching the end of my IVA I would be grateful for answers to a few questions. (by: lesley) 4 682
Was it necessary for PayPlan to take out an insurance at the start of my IVAWas it necessary for PayPlan to take out an insurance at the start of my IVA (by: kallis3) 3 652
How much would my house need to be worth for my IVA NOT to be extended ?How much would my house need to be worth for my IVA NOT to be extended ? (by: Michael Peoples) 2 629
Querying advice that I would have to take 100% of joint debt as I own a house.Querying advice that I would have to take 100% of joint debt as I own a house. (by: Michael Peoples) 10 1168
Will my partners IVA affect our tax credits ?Will my partners IVA affect our tax credits ? (by: Michael Peoples) 5 830
DFD completion certificateDFD completion certificate (by: Evette Everest) 11 1004
Compensation in PPI refundCompensation in PPI refund (by: Foggy) 4 730
Hope to use 0% credit deal. What would be the likely outcome if I have to declare previous IVA ?Hope to use 0% credit deal. What would be the likely outcome if I have to declare previous IVA ? (by: kallis3) 9 908
Gambling addictionGambling addiction (by: lesley) 26 3028
Two accounts that should have been on proposal were omitted.Two accounts that should have been on proposal were omitted. (by: lesley) 5 950
Off the register !Off the register ! (by: lesley) 9 1039
Will my friends motorbike which I am using be looked upon as an asset ?Will my friends motorbike which I am using be looked upon as an asset ? (by: kallis3) 4 1091
My husband is in an IVA agreement.  Can I refuse to sign petting a charge on our property ?My husband is in an IVA agreement. Can I refuse to sign petting a charge on our property ? (by: Andy Davie) 3 911
Just been informed that large PPI claim is being sent to IVA people. How does this work ?Just been informed that large PPI claim is being sent to IVA people. How does this work ? (by: Foggy) 3 864
Gutted. My poor carGutted. My poor car (by: thisusernameistaken) 5 1510
Nearly 2 years into my IVA, Im about to sell my house but have had conflicting adviceNearly 2 years into my IVA, Im about to sell my house but have had conflicting advice (by: luluj) 17 1416
Would it affect my IVA if I set up my own company.  I am a nurse.Would it affect my IVA if I set up my own company. I am a nurse. (by: lifenoteasy) 5 1011
How long after date of creditors meeting to decide F & F will I be notified of the outcome ?How long after date of creditors meeting to decide F & F will I be notified of the outcome ? (by: Yolanda.56) 18 2048
I do not now what to do or who to turn to. Letters, emails and phone calls have been ignoredI do not now what to do or who to turn to. Letters, emails and phone calls have been ignored (by: Michael Peoples) 8 1183
I have no equity at the moment but could creditors have claims on any future equity ?I have no equity at the moment but could creditors have claims on any future equity ? (by: Foggy) 2 997
Making a complaintMaking a complaint (by: Foggy) 7 1074
I just dont understand settlement policies of our IVA companyI just dont understand settlement policies of our IVA company (by: Thenameisnomax) 27 2880
I am with DFD, my last payment was in March now feeling fobbed off about receiving CCI am with DFD, my last payment was in March now feeling fobbed off about receiving CC (by: Evette Everest) 5 1091
Help re full and final offerHelp re full and final offer (by: Karendj19) 37 5301
Have come to the end of my IVA and now IVA representatives are asking for an extensionHave come to the end of my IVA and now IVA representatives are asking for an extension (by: lifenoteasy) 5 1083
I am so confused and really need some helpI am so confused and really need some help (by: David Mond) 6 1122
Is it normal practice for an IVA company to ask you to pay in full before a F & F ?Is it normal practice for an IVA company to ask you to pay in full before a F & F ? (by: Lisa Thomas) 8 1087
Any help would be appreciated about new terms and conditionsAny help would be appreciated about new terms and conditions (by: Lisa Thomas) 3 958
My IVA is due to finish in DecemberMy IVA is due to finish in December (by: Lisa Thomas) 4 977
How can I get an IVA, which I didnt go ahead with, removed from Experian ?How can I get an IVA, which I didnt go ahead with, removed from Experian ? (by: Lisa Thomas) 4 947
In a DMP but have had visit from bailiffs saying they will seize goods. What should I do ?In a DMP but have had visit from bailiffs saying they will seize goods. What should I do ? (by: Lisa Thomas) 5 1129
Is IVA complete?Is IVA complete? (by: Lisa Thomas) 8 1119
We are at month 60 of our IVA and have not had a request regards remortgage from GT.,We are at month 60 of our IVA and have not had a request regards remortgage from GT., (by: lifenoteasy) 12 1456
Re brand new loanRe brand new loan (by: Lisa Thomas) 8 1098
Long time, no seeLong time, no see (by: footiemad) 17 1239
some advice pleasesome advice please (by: jolou) 14 1177
Only 12 months leftOnly 12 months left (by: luluj) 4 967
I feel I am taking a huge risk.  Would appreciate your comments pleaseI feel I am taking a huge risk. Would appreciate your comments please (by: Foggy) 2 953
Full & Final AdviceFull & Final Advice (by: luluj) 10 999
PPI award sent to DFD after having received certificate of closure. Where do I stand ?PPI award sent to DFD after having received certificate of closure. Where do I stand ? (by: Martindr77) 6 1130
Equity Release Calculation. Can anyone explain ?Equity Release Calculation. Can anyone explain ? (by: Michael Peoples) 7 1077
Hi Ive recently divorced from my partnerHi Ive recently divorced from my partner (by: Andy Davie) 2 987
How difficult would it be to get a mortgage accepted after settlement ?How difficult would it be to get a mortgage accepted after settlement ? (by: Ryan) 5 982
IVA paid June 2015 but 6 years not up until 2017. Which bank would accept basic account ?IVA paid June 2015 but 6 years not up until 2017. Which bank would accept basic account ? (by: kravarran) 7 949
Have paid last payment, how does it work if you have any equity ?Have paid last payment, how does it work if you have any equity ? (by: Daviddn59) 11 2614
I entered IVA July 2012, repaid in full December 2014. Is there anyone who will lend to me ?I entered IVA July 2012, repaid in full December 2014. Is there anyone who will lend to me ? (by: Foggy) 3 892
I was paying into an IVA for more then 3 years, what can I do now ?I was paying into an IVA for more then 3 years, what can I do now ? (by: Foggy) 3 882
Can IVA refuse to give discharge papers because of ongoing PPI and VAT claims ?Can IVA refuse to give discharge papers because of ongoing PPI and VAT claims ? (by: Foggy) 3 874
I have just received my certification of completion. When will CCJ be removed ?I have just received my certification of completion. When will CCJ be removed ? (by: lifenoteasy) 4 1082
If I cant remortgage what will happen ?If I cant remortgage what will happen ? (by: Foggy) 3 920
i am in a DMP but dont feel i am getting anywherei am in a DMP but dont feel i am getting anywhere (by: Andy Davie) 4 1073
Can I obtain an IVA without my husbands knowledge ?Can I obtain an IVA without my husbands knowledge ? (by: Andy Davie) 5 1215
We are just about to start yr 5 of a 6 yr IVA .  Can it be extended to 7 years for equity release ?We are just about to start yr 5 of a 6 yr IVA . Can it be extended to 7 years for equity release ? (by: Foggy) 3 1077
I just want to pay the IVA off and be rid of it. How much will that be ?I just want to pay the IVA off and be rid of it. How much will that be ? (by: Foggy) 24 2875
This solution for equity release seems a little unfair.  Have I read the agreement correctly ?This solution for equity release seems a little unfair. Have I read the agreement correctly ? (by: Michael Peoples) 4 1257
I have terminated my IVA. Best option would be bankruptcy but would lose car essential for work.I have terminated my IVA. Best option would be bankruptcy but would lose car essential for work. (by: Michael Peoples) 4 1073
I have split with my wife and she wants to opt out of the IVA.I have split with my wife and she wants to opt out of the IVA. (by: lifenoteasy) 7 1342
My mother in law has been sent a letter, addressed to recently deceased husband.My mother in law has been sent a letter, addressed to recently deceased husband. (by: lifenoteasy) 2 1095
Will my IVA be taken into account when my husband applies for a mortgage ?Will my IVA be taken into account when my husband applies for a mortgage ? (by: Ryan) 5 1258
Mortgage after IVAMortgage after IVA (by: Ryan) 13 16151
My husband is now a full time carer for our daughterMy husband is now a full time carer for our daughter (by: Andy Davie) 13 2447
I took out an IVA about a year ago, but now I keep being pestered for more moneyI took out an IVA about a year ago, but now I keep being pestered for more money (by: lifenoteasy) 4 1071
I had an IVA some years ago. Can I do another.I had an IVA some years ago. Can I do another. (by: Andy Davie) 3 1044
My equity date is December 2015 and I have a few queries.My equity date is December 2015 and I have a few queries. (by: Foggy) 13 1123
Full and finalFull and final (by: Lisa Thomas) 3 1064
What should I do now my IVA finishes in September ?What should I do now my IVA finishes in September ? (by: lifenoteasy) 6 1428
I dont know if an IVA is a viable option ?I dont know if an IVA is a viable option ? (by: Andy Davie) 6 1030
Mortgage application formMortgage application form (by: Michael Peoples) 7 1473
Received a statement!Received a statement! (by: Lisa Thomas) 6 1082
IVA with GT finished 2014 and was bluntly told recently I wouldnt be getting discharge papers.IVA with GT finished 2014 and was bluntly told recently I wouldnt be getting discharge papers. (by: plasticdaft) 5 1158
Wondering what percentage of the total amount owing I should offer for settlement ?Wondering what percentage of the total amount owing I should offer for settlement ? (by: Lisa Thomas) 4 1177
What is the smoothest way to go about obtaining remortgage quotes ?What is the smoothest way to go about obtaining remortgage quotes ? (by: Michael Peoples) 3 1005
Credit file cleanup queryCredit file cleanup query (by: Sharon.10) 11 2173
If you are unsure of anything ask the forum experts for advice and ask your chosen IP to clarify.If you are unsure of anything ask the forum experts for advice and ask your chosen IP to clarify. (by: luluj) 5 1209

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