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Top 150 Debt Questions from the IVA Forum
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TitlePostsViews
GT didnt send IVA for completion until I phoned 8 months to check after finishing paymentsGT didnt send IVA for completion until I phoned 8 months to check after finishing payments (by: Jayne.01) 6 307
Rebuild credit after completion certificateRebuild credit after completion certificate (by: plasticdaft) 5 165
I have been in an IVA for 8 YEARS. How can I find out whats going on ? At my whits end.I have been in an IVA for 8 YEARS. How can I find out whats going on ? At my whits end. (by: plasticdaft) 6 191
Would I be able to act as guarantor for sons loan ?Would I be able to act as guarantor for sons loan ? (by: lesley) 3 91
If F&F settlement is accepted, would I be able to move in with partner without him being involved ?If F&F settlement is accepted, would I be able to move in with partner without him being involved ? (by: kazzafunk) 3 73
5th annual review5th annual review (by: wiggle1) 6 782
Hi there,So Ive just sent all my paper work to Step Change. I think I need a bit of reassuranceHi there,So Ive just sent all my paper work to Step Change. I think I need a bit of reassurance (by: wiggle1) 14 375
Letter from McDuffyLetter from McDuffy (by: mole) 10 529
Query about deductions at source in income and expenditure formQuery about deductions at source in income and expenditure form (by: Foggy) 2 110
Looking for a mortgage for a bigger house.  My IVA finished 2 months agoLooking for a mortgage for a bigger house. My IVA finished 2 months ago (by: Foggy) 2 94
Credit after ivaCredit after iva (by: skint til payday) 10 2034
Deductions from payslipsDeductions from payslips (by: Arek) 8 705
URGENT DFD. please  contact me as promisedURGENT DFD. please contact me as promised (by: Jason.66) 36 2680
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: Jason.66) 18 5798
Just starting out  and very scaredJust starting out and very scared (by: relieved33) 9 259
Insolvency registerInsolvency register (by: Foggy) 2 231
How long can i expect a creditors meeting to last ?How long can i expect a creditors meeting to last ? (by: Foggy) 2 151
Almost thereAlmost there (by: lesley) 13 511
Will I be able to get a mortgage a year after my IVA has completed ?Will I be able to get a mortgage a year after my IVA has completed ? (by: lesley) 5 268
Is it normal for a home visit during year six to fill in an income and expenditure form ?Is it normal for a home visit during year six to fill in an income and expenditure form ? (by: seagulls) 4 322
After my IVA failed told by creditor that they had been paid. Now asked for full payment.After my IVA failed told by creditor that they had been paid. Now asked for full payment. (by: Foggy) 3 266
What effect will it have on house sale if a joint mortgage exists with a partner in an IVA ?What effect will it have on house sale if a joint mortgage exists with a partner in an IVA ? (by: ginger323232) 2 184
The part owner of partners property wishes to sell. Can creditors legally refuse sale ?The part owner of partners property wishes to sell. Can creditors legally refuse sale ? (by: Pauldw83) 8 335
Overtime after completing IVAOvertime after completing IVA (by: Radish) 12 671
Care CostsCare Costs (by: Michael Peoples) 2 226
I have finally now received my completion certificate after making last payment June 2013 !!I have finally now received my completion certificate after making last payment June 2013 !! (by: Foggy) 4 285
OIL BOILERADVICEOIL BOILERADVICE (by: luluj) 3 319
Final review in April stated no further money due. Just received request to do another review.Final review in April stated no further money due. Just received request to do another review. (by: luluj) 2 285
Can ex partner be sued whilst in an IVA ?Can ex partner be sued whilst in an IVA ? (by: Michael Peoples) 6 319
I have just discovered that person who owed me money has entered an IVAI have just discovered that person who owed me money has entered an IVA (by: Michael Peoples) 4 390
After a particularly harrowing time could, should, Freeman Jones ask creditors to write off debt ?After a particularly harrowing time could, should, Freeman Jones ask creditors to write off debt ? (by: wiggle1) 4 377
Claims Broker??Claims Broker?? (by: bombshell) 4 303
I am very concerned that I have had no communication during my 4 years in an IVAI am very concerned that I have had no communication during my 4 years in an IVA (by: Foggy) 4 330
I went bankrupt over five years ago. TSB has paid PPI To IVAI went bankrupt over five years ago. TSB has paid PPI To IVA (by: Michael Peoples) 2 323
Permission from GT to put my house up for sale?Permission from GT to put my house up for sale? (by: bombshell) 3 300
Is it right to class my goodwill payment from last employer as windfall ? I am out of workIs it right to class my goodwill payment from last employer as windfall ? I am out of work (by: Michael Peoples) 2 323
Could I pay equity with a lump sum and end my IVA at the 5 year mark ?Could I pay equity with a lump sum and end my IVA at the 5 year mark ? (by: Michael Peoples) 2 311
Received a PPI form oday, 15 months after Iast payment. Surely this should have been dealt withReceived a PPI form oday, 15 months after Iast payment. Surely this should have been dealt with (by: Croydon lady) 8 397
What info does GT need at the end of 72 month IVAWhat info does GT need at the end of 72 month IVA (by: bombshell) 6 320
DFD Closure ProcessDFD Closure Process (by: Til) 5 1010
I have recently been made bankrupt.  I owed ex and he took car as paymentI have recently been made bankrupt. I owed ex and he took car as payment (by: Michael Peoples) 3 343
I now live in Australia and thought my IVA with GT was finished.I now live in Australia and thought my IVA with GT was finished. (by: Michael Peoples) 3 297
Pay rise with 5 months to goPay rise with 5 months to go (by: Michael Peoples) 5 394
Can I do anything to port my existing mortgage to a new property in Northern Ireland ?Can I do anything to port my existing mortgage to a new property in Northern Ireland ? (by: Michael Peoples) 3 337
My IVA will be paid off in full after 3.5 years by house sale. Shouldnt PPI be deducted ?My IVA will be paid off in full after 3.5 years by house sale. Shouldnt PPI be deducted ? (by: Michael Peoples) 3 341
DFD calling relentlessly about sending a representative to our home to complete annual review.DFD calling relentlessly about sending a representative to our home to complete annual review. (by: luluj) 6 645
Took out IVA in 2007. Now have to pay back loan arranged by DFD and SP for next 10 years.Took out IVA in 2007. Now have to pay back loan arranged by DFD and SP for next 10 years. (by: luluj) 13 1470
My IVA finished in May. PPI cheque sent to IVA company. Whos money is it ? Mine or theirs ?My IVA finished in May. PPI cheque sent to IVA company. Whos money is it ? Mine or theirs ? (by: luluj) 4 328
Made last payment to Freeman Jones.  Is it safe to relax and enjoy being debt free ?Made last payment to Freeman Jones. Is it safe to relax and enjoy being debt free ? (by: seagulls) 12 759
Help.. F&F process GTHelp.. F&F process GT (by: relieved33) 19 591
Are my depts written of after the five year period ?Are my depts written of after the five year period ? (by: Foggy) 2 392
Finished payments last Feb 2014 to Freeman Jones. Had nothing in writing about equity.Finished payments last Feb 2014 to Freeman Jones. Had nothing in writing about equity. (by: Sarah Jolly) 3 483
Why are some full and final settlements declined ?Why are some full and final settlements declined ? (by: Andy Davie) 3 429
How would it affect my IVA if I got made redundant 3 months before IVA ends ?How would it affect my IVA if I got made redundant 3 months before IVA ends ? (by: Andy Davie) 4 609
Our endowment matures March 2015; IVA finishes June 2015. Will this be classed as a windfall ?Our endowment matures March 2015; IVA finishes June 2015. Will this be classed as a windfall ? (by: Michael Peoples) 11 540
Partial Settlement appears postIVAPartial Settlement appears postIVA (by: Shaun Vickery) 14 814
How do I get my credit history back to normal afteR being in an IVA ?How do I get my credit history back to normal afteR being in an IVA ? (by: Foggy) 3 457
Hi, my IVA is due to finish this November, wondering if I can remortgage in the New Year ?Hi, my IVA is due to finish this November, wondering if I can remortgage in the New Year ? (by: luluj) 6 478
My lovely cottage sold due to divorce. Is there a broker who would consider me for a mortgage ?My lovely cottage sold due to divorce. Is there a broker who would consider me for a mortgage ? (by: luluj) 2 436
3rd year review3rd year review (by: linrog) 5 486
Can I remove myself from joint IVA?Can I remove myself from joint IVA? (by: Foggy) 7 456
Asked over and over again if it was just 5 years. Did not see the small print which said 72 months.Asked over and over again if it was just 5 years. Did not see the small print which said 72 months. (by: Imhotep) 10 745
Is it a good idea to pay a little extra resulting in the debt being paid quicker ?Is it a good idea to pay a little extra resulting in the debt being paid quicker ? (by: Foggy) 10 804
Do I have the right to withdraw from a joint IVA where the other party wishes to continue ?Do I have the right to withdraw from a joint IVA where the other party wishes to continue ? (by: Foggy) 2 413
Am I entitled to PPI from a creditor who was not part of my IVA, and repaid prior to it ?Am I entitled to PPI from a creditor who was not part of my IVA, and repaid prior to it ? (by: Foggy) 2 406
How does a bonus workHow does a bonus work (by: Indeep) 8 1436
Todays the day......Todays the day...... (by: luna) 21 931
How to word a F+F letter?How to word a F+F letter? (by: Andy Davie) 5 584
Can PPI money be kept by IVA company even when the IVA is finished ?Can PPI money be kept by IVA company even when the IVA is finished ? (by: Foggy) 5 434
What paperwork is required for self employed F&F ? Is a variation meeting called ?What paperwork is required for self employed F&F ? Is a variation meeting called ? (by: Michael Peoples) 8 448
IVA friendly banksIVA friendly banks (by: linrog) 19 6396
Iva.co.uk Survey Findings  Debt and Mental HealthIva.co.uk Survey Findings Debt and Mental Health (by: relieved33) 5 634
Can we put joint debts into IVA ?Can we put joint debts into IVA ? (by: Michael Peoples) 7 547
Will newly awarded benefit and backdated payment have to be disclosed to IP setting up IVA ?Will newly awarded benefit and backdated payment have to be disclosed to IP setting up IVA ? (by: Foggy) 2 513
I am just into my 5th year, my wife is just into year. 4. Will we each need to get a valuation ?I am just into my 5th year, my wife is just into year. 4. Will we each need to get a valuation ? (by: Michael Peoples) 2 487
i have car on finance, will i have to give it back in an IVA ?i have car on finance, will i have to give it back in an IVA ? (by: Michael Peoples) 2 390
Do I have to relinquish my Premises Licence if I have entered an IVA ?Do I have to relinquish my Premises Licence if I have entered an IVA ? (by: Michael Peoples) 2 610
Do I just have to ask for 2 separate mortgage offers, when we would not be offered a mortgage ?Do I just have to ask for 2 separate mortgage offers, when we would not be offered a mortgage ? (by: Shaun Vickery) 4 889
My husband is just about to close off his IVA, but I cannot get credit. How can I solve situation ?My husband is just about to close off his IVA, but I cannot get credit. How can I solve situation ? (by: Andy Davie) 3 693
I am selling a property. What happens to the equity ?I am selling a property. What happens to the equity ? (by: Andy Davie) 2 563
How do I replace my car? Repairs would cost more than cars value.How do I replace my car? Repairs would cost more than cars value. (by: luluj) 2 587
My IVA company are claiming all my husbands compensation for loss of earningsMy IVA company are claiming all my husbands compensation for loss of earnings (by: Michelle.n) 28 1317
Mortgage after IVAMortgage after IVA (by: BelliniButterfly) 7 7019
Looking for a mortgage in principal so I have some idea of what I would be able to obtain.Looking for a mortgage in principal so I have some idea of what I would be able to obtain. (by: plasticdaft) 5 509
OvertimeOvertime (by: sosilly) 7 701
I have  been contacted by Creditfix. I dont know if I should trust a company who called me.I have been contacted by Creditfix. I dont know if I should trust a company who called me. (by: lesley) 5 514
Do I have to declare the end of employment payment ? I have not yet got a CC.Do I have to declare the end of employment payment ? I have not yet got a CC. (by: Michael Peoples) 2 556
Where can I get a normal current account ? IVA settled with a F&F in  May after one year.Where can I get a normal current account ? IVA settled with a F&F in May after one year. (by: SFA) 8 822
Business bank accountBusiness bank account (by: UpToMyNeckInIt) 3 795
Was visa application denied because I am in an IVA ?Was visa application denied because I am in an IVA ? (by: Foggy) 3 733
Would a preferential payment of a lump sum cause problems in sorting out an IVA ?Would a preferential payment of a lump sum cause problems in sorting out an IVA ? (by: Michael Peoples) 2 378
Is it possible to get an additional bank account on an IVA ?Is it possible to get an additional bank account on an IVA ? (by: Foggy) 2 625
Hi ! We have one payment left on our IVA but Im feeling nervous that this isnt the endHi ! We have one payment left on our IVA but Im feeling nervous that this isnt the end (by: Kate.c) 3 684
The sound of silenceThe sound of silence (by: Blueskies) 7 708
Another mortgage approvedAnother mortgage approved (by: Shaun Vickery) 18 1540
Please can you advise on the correct time it will take to get a mortgage ?Please can you advise on the correct time it will take to get a mortgage ? (by: Ryan) 3 789
Im considering an IVA . Im confused though ...Im considering an IVA . Im confused though ... (by: Michael Peoples) 6 715
Total debt payed in full from inheritance last year.  Now told I am in serious arrears ?Total debt payed in full from inheritance last year. Now told I am in serious arrears ? (by: lesley) 6 859
Wondering what a settlement figure would be, and whether it is possible ?Wondering what a settlement figure would be, and whether it is possible ? (by: Andy Davie) 4 562
Settled IVA and have CC.  We really need more space and advice as to the nest way forward.Settled IVA and have CC. We really need more space and advice as to the nest way forward. (by: Shaun Vickery) 7 890
I have terminal cancer. How will this affect IVA ?I have terminal cancer. How will this affect IVA ? (by: luluj) 9 828
phewphew (by: Struzzo39) 5 1016
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: SFA) 40 10073
Should I do a Full and FinalShould I do a Full and Final (by: Foggy) 10 968
PaypalPaypal (by: Radish) 14 1159
Putting things into perspectivePutting things into perspective (by: esgt1967) 6 905
I finnished my iva over 2 years ago, still not received certificate.I finnished my iva over 2 years ago, still not received certificate. (by: Borneo) 9 933
Is Tomlin order null and void as we did not sign the consent ? We only signed the schedule.Is Tomlin order null and void as we did not sign the consent ? We only signed the schedule. (by: lesley) 5 785
Can any of a successful PPI claim be kept if hardship can be demonstrated ?Can any of a successful PPI claim be kept if hardship can be demonstrated ? (by: Sandra.v) 9 930
GT rant!!!GT rant!!! (by: kaza) 13 1450
Cam the equity review be done once or can it be reviewed again ?Cam the equity review be done once or can it be reviewed again ? (by: Karantiggy) 6 575
Charging Order and IVACharging Order and IVA (by: Michael Peoples) 2 467
Near second review, but have thoughts.Near second review, but have thoughts. (by: footiemad) 20 1657
If I receive an inheritance will my IVA be reviewed and increased ?If I receive an inheritance will my IVA be reviewed and increased ? (by: Foggy) 2 525
Wondering what is the likelihood of a F&F settlement being accepted  ?Wondering what is the likelihood of a F&F settlement being accepted ? (by: Foggy) 2 770
With an IVA can you have Sky tv ?With an IVA can you have Sky tv ? (by: Foggy) 3 900
Alarmed to see debt still showing as outstanding on credit file.  My IVA finished a year agoAlarmed to see debt still showing as outstanding on credit file. My IVA finished a year ago (by: Foggy) 2 681
Is my daughters equity safe ? She is a single mum with young children on benefits.Is my daughters equity safe ? She is a single mum with young children on benefits. (by: Foggy) 3 777
In a joint IVA is equity amount one overall figure ?In a joint IVA is equity amount one overall figure ? (by: Michael Peoples) 3 783
A complex equity problem.A complex equity problem. (by: relieved33) 3 826
Can a person have an IVA and let her boyfriend move in and totally redo house ?Can a person have an IVA and let her boyfriend move in and totally redo house ? (by: Michael Peoples) 3 723
What is a reasonable time for response ? What is the procedure if IVA company is obstructive ?What is a reasonable time for response ? What is the procedure if IVA company is obstructive ? (by: Foggy) 3 795
Apparently I have not received my CC because of backlog. Can they now ask for more ?Apparently I have not received my CC because of backlog. Can they now ask for more ? (by: Christabellesparkle) 5 1054
Im losing heart.  What will be the consequences if I break off my IVA arrangements ?Im losing heart. What will be the consequences if I break off my IVA arrangements ? (by: TzeKin) 3 989
F+F Offer?F+F Offer? (by: emptypockets) 8 2126
Do I have to declare my young daughters inheritance ?Do I have to declare my young daughters inheritance ? (by: mole) 5 999
Full and final offersFull and final offers (by: Michael Peoples) 4 909
Help.. House costing thousands to repairHelp.. House costing thousands to repair (by: Foggy) 2 890
Urgent advice needed .Urgent advice needed . (by: Struzzo39) 15 2368
Will getting a salary saccrifice car, without informing PayPlan,  mean the IVA will fail ?Will getting a salary saccrifice car, without informing PayPlan, mean the IVA will fail ? (by: linrog) 3 928
What does expected dividedn of pence in the pound mean ? What happens if this is not reached ?What does expected dividedn of pence in the pound mean ? What happens if this is not reached ? (by: Foggy) 2 923
Seeking legal advice as to whether IP can claim PPI and pension. Completion cert received 2010.Seeking legal advice as to whether IP can claim PPI and pension. Completion cert received 2010. (by: Foggy) 6 1122
settlement advisesettlement advise (by: Foggy) 10 1068
Due to a rogue practitioner I was transferred to GT, made a F&F. Can I make a PPI claim ?Due to a rogue practitioner I was transferred to GT, made a F&F. Can I make a PPI claim ? (by: gazzio) 7 841
Wondering if my F&F offer will be accepted ?Wondering if my F&F offer will be accepted ? (by: Michael Peoples) 2 808
Wondering what my monthly payment to IVA would be if I returned to work ?Wondering what my monthly payment to IVA would be if I returned to work ? (by: Andy Davie) 5 936
what to do?what to do? (by: kath1980) 8 1117
Will an IVA have an effect on mobile phone contracts or car finance payments ?Will an IVA have an effect on mobile phone contracts or car finance payments ? (by: Michael Peoples) 2 1000
ConfusedConfused (by: Michael Peoples) 2 1028
Do I have to include maintenance payments ? They are paid erratically, beyond my control.Do I have to include maintenance payments ? They are paid erratically, beyond my control. (by: Andy Davie) 2 931
F & F accepted todayF & F accepted today (by: Struzzo39) 5 1043
Are letters from lenders, saying no PPI to be claimed, enough to cover me ?Are letters from lenders, saying no PPI to be claimed, enough to cover me ? (by: Anthony.01) 6 1035
We both urgently need operations and going out of our minds with worry that IVA could fail.We both urgently need operations and going out of our minds with worry that IVA could fail. (by: Foggy) 2 943
iva acceptanceiva acceptance (by: nu4an) 9 1012
What is a variation report ?What is a variation report ? (by: Foggy) 2 918
Is anyone able to assist me on getting a mortgage ? IVA cleared March 2012.Is anyone able to assist me on getting a mortgage ? IVA cleared March 2012. (by: Foggy) 3 960
CC now receivedCC now received (by: lesley) 3 1008
I have received compensation for a serious crash prior to IVA.  Now wondering about F&F offer.I have received compensation for a serious crash prior to IVA. Now wondering about F&F offer. (by: kaza100) 3 1070
Hi All,  Im seeking some advice and opinion with a full and final settlement of my IVAHi All, Im seeking some advice and opinion with a full and final settlement of my IVA (by: plasticdaft) 2 1000
Can I sell my home when I finish IVA ?Can I sell my home when I finish IVA ? (by: plasticdaft) 3 798

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Reviews for IVA.co.uk
IVA.co.uk is rated 4.9 on a scale of 5 based on on reviewcentre.com.
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.