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Top 150 Debt Questions from the IVA Forum
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TitlePostsViews
Where can I meet someone face to face to discuss an IVA ?Where can I meet someone face to face to discuss an IVA ? (by: lesley) 4 162
Arrears on IVAArrears on IVA (by: lesley) 10 175
Ive paid my last IVA payment last month, and now have queries afbout selling my houseIve paid my last IVA payment last month, and now have queries afbout selling my house (by: lesley) 3 67
Is it advisable to sell my house to pay off my debt ?Is it advisable to sell my house to pay off my debt ? (by: lesley) 3 62
How is this fair?How is this fair? (by: lesley) 7 366
Another one bites the dust........Another one bites the dust........ (by: Michael Peoples) 4 146
Advised I can claim 2 remaining PPI refunds for myself after receiving CC. Is this right ?Advised I can claim 2 remaining PPI refunds for myself after receiving CC. Is this right ? (by: Michael Peoples) 2 42
What do I do ? Received letter re PPI but I was not miss sold so dont want them claiming.What do I do ? Received letter re PPI but I was not miss sold so dont want them claiming. (by: dancer) 3 98
Where can I obtain information about having a mortgage ?  My IVA finishes next yearWhere can I obtain information about having a mortgage ? My IVA finishes next year (by: Foggy) 2 59
HalifaxHalifax (by: lesley) 3 163
We have nearly finished our IVA. What kind of mortgage could we get ?We have nearly finished our IVA. What kind of mortgage could we get ? (by: luluj) 4 138
Default Notice  NationwideDefault Notice Nationwide (by: WayneD) 6 376
I completed an IVA November 2011.  Which mortgage companies would consider me ?I completed an IVA November 2011. Which mortgage companies would consider me ? (by: luluj) 4 131
Problems clearing credit file after receiving completion certificateProblems clearing credit file after receiving completion certificate (by: Foggy) 2 83
I am looking for basic bank accounts which accept an IVAI am looking for basic bank accounts which accept an IVA (by: WayneD) 7 328
F&F payment questionsF&F payment questions (by: sponge) 5 142
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: sponge) 4 252
I am coming to the end of my IVA.I am coming to the end of my IVA. (by: Foggy) 6 194
Waiting creditors meeting.Waiting creditors meeting. (by: Chelsea3) 11 1412
Hi, Foolishly I took a Payday loan to help my brother whos paying it back.  Will IP find out ?Hi, Foolishly I took a Payday loan to help my brother whos paying it back. Will IP find out ? (by: MerlinL14) 8 525
EIC PPI Claim Farce!EIC PPI Claim Farce! (by: cherrypink) 3 166
Could we downsize and take out a cheaper rate repayment mortgage ?Could we downsize and take out a cheaper rate repayment mortgage ? (by: worriedchick) 4 227
Will all the PPI refund I receive go to the IVA ?Will all the PPI refund I receive go to the IVA ? (by: Heather60) 9 296
Are my personal creditors allowed any of the business PPI s due back to me ?Are my personal creditors allowed any of the business PPI s due back to me ? (by: lesley) 3 241
If IVA is overpaid with commission uplifts would F&F be accepted if circumstances change ?If IVA is overpaid with commission uplifts would F&F be accepted if circumstances change ? (by: worriedchick) 7 234
Please explain  deed of assignment under the terms of the mass variationPlease explain deed of assignment under the terms of the mass variation (by: Foggy) 2 206
Deed of AssignmentDeed of Assignment (by: Foggy) 3 199
Getting a house valuation ? Providing documents for end of IVA ?Getting a house valuation ? Providing documents for end of IVA ? (by: Til) 11 424
PPI  who does it?PPI who does it? (by: Foggy) 2 190
promotion...promotion... (by: chocoholic2) 3 263
An explanation on what happens when it is time to get a house valuation please.An explanation on what happens when it is time to get a house valuation please. (by: winterblues) 2 267
Bank account frozen, salary returned to employer without notifying me.Bank account frozen, salary returned to employer without notifying me. (by: TzeKin) 3 413
Can I dispute balance because of a discrepancy in year one ? Just started final year.Can I dispute balance because of a discrepancy in year one ? Just started final year. (by: althas) 2 267
What happens if myself and partner start living together ?What happens if myself and partner start living together ? (by: Foggy) 2 236
Grant Thornton and EIC re PPIGrant Thornton and EIC re PPI (by: HST) 7 1233
Does IVA still come off credit file 6 years from start date when it has been extended ?Does IVA still come off credit file 6 years from start date when it has been extended ? (by: Simondl12) 3 281
No job in an IVANo job in an IVA (by: worriedchick) 3 304
What is the next step if my full and final offer is accepted ?What is the next step if my full and final offer is accepted ? (by: Foggy) 3 810
gophermoney have just taken £80 out of my account, can I get my money back ?gophermoney have just taken £80 out of my account, can I get my money back ? (by: Struzzo39) 7 614
Credit File Clean UpCredit File Clean Up (by: mole) 4 386
Closed IVA PPI ClaimClosed IVA PPI Claim (by: Sharon.10) 2 376
Certificate received today thank you GTCertificate received today thank you GT (by: luluj) 3 415
Post amendedPost amended (by: luluj) 7 550
Unsure whether to rent or sell my property which is in negative equityUnsure whether to rent or sell my property which is in negative equity (by: Foggy) 2 318
When will My IVA end tired of all the dramaWhen will My IVA end tired of all the drama (by: rotherhamdan) 10 1265
How would new situation be assessed on my IVA ?How would new situation be assessed on my IVA ? (by: Michael Peoples) 6 507
Compensation whilst in IVACompensation whilst in IVA (by: Michael Peoples) 2 363
Some Companies Not Being PaidSome Companies Not Being Paid (by: Michael Peoples) 2 368
Is it correct that I can defer my pension until after the end of my IVA ?  I am 65.Is it correct that I can defer my pension until after the end of my IVA ? I am 65. (by: mole) 11 1234
My partner is concerned about paying more into IVA on accepting job offerMy partner is concerned about paying more into IVA on accepting job offer (by: Sam.87) 5 491
IVAs in the News todayIVAs in the News today (by: Michael Peoples) 3 604
Can a CMC do a credit search to look for credit that PPI can be claimed on ?Can a CMC do a credit search to look for credit that PPI can be claimed on ? (by: Andy Davie) 3 505
Its OverIts Over (by: lesley) 9 713
Will the savings for our wedding, made by careful budgeting,  have to be paid to IVAWill the savings for our wedding, made by careful budgeting, have to be paid to IVA (by: Struzzo39) 7 588
BlogsBlogs (by: lesley) 4 1068
Still no further forward with receiving CC from DFD since last posting, copied below.Still no further forward with receiving CC from DFD since last posting, copied below. (by: TzeKin) 59 8063
Is there anything I can do to speed up process of a F&F settlement offer with FJ ?Is there anything I can do to speed up process of a F&F settlement offer with FJ ? (by: Kate37) 14 944
newbie!newbie! (by: lindyduds) 8 366
Is there any mortgage company that offers mortgages to IVA people ?Is there any mortgage company that offers mortgages to IVA people ? (by: Ryan) 4 517
Will my IVA affect joint bank account ?  I do not want my husband to knowWill my IVA affect joint bank account ? I do not want my husband to know (by: country girl) 8 664
Can I put shortfall into IVA ?Can I put shortfall into IVA ? (by: Robd1268) 5 588
IVA and secured loans how to complainIVA and secured loans how to complain (by: plasticdaft) 3 627
Need some advice on cc issues still cant get in touch with GT. Who can I complain to ?Need some advice on cc issues still cant get in touch with GT. Who can I complain to ? (by: Foggy) 3 489
Could I (if icame into some money) pay off the IVA ?Could I (if icame into some money) pay off the IVA ? (by: Andy Davie) 4 593
Can you take an IVA if self employed and if so will it affect your business ?Can you take an IVA if self employed and if so will it affect your business ? (by: Andy Davie) 4 522
Please help. I cant eat or sleep.  IVA taken over and relevant paperwork re car lost.Please help. I cant eat or sleep. IVA taken over and relevant paperwork re car lost. (by: Michael Peoples) 2 589
Will court be willing to accept my offer of a token monthly payment ?Will court be willing to accept my offer of a token monthly payment ? (by: oldlady) 4 709
Overtime v BonusOvertime v Bonus (by: MelanieGiles) 4 599
How long does an IVA last ? Mine has been running for 16 years.How long does an IVA last ? Mine has been running for 16 years. (by: plasticdaft) 4 737
Help needed with I & EHelp needed with I & E (by: Leese) 9 644
Can I ask for a list of outgoings as submitted to creditors ?Can I ask for a list of outgoings as submitted to creditors ? (by: MelanieGiles) 3 593
EquityEquity (by: MelanieGiles) 5 633
Would I be left having to pay partners contribution for him if he changes career ?Would I be left having to pay partners contribution for him if he changes career ? (by: MelanieGiles) 3 559
Need advice about clearing bad credit rating.  Finally received certificate after 8 year IVA.Need advice about clearing bad credit rating. Finally received certificate after 8 year IVA. (by: Foggy) 2 582
When my IVA is finished, will I be able to keep surplus or will it go to husbands IVA ?When my IVA is finished, will I be able to keep surplus or will it go to husbands IVA ? (by: dancer) 26 1862
M&SM&S (by: MelanieGiles) 11 1115
How do I make a complaint as to why GT are taking so long to issue completion certificate ?How do I make a complaint as to why GT are taking so long to issue completion certificate ? (by: mrportman) 10 1563
Can DFD re assess the mortgage again ? I have paid an additional 12 months onto my IVACan DFD re assess the mortgage again ? I have paid an additional 12 months onto my IVA (by: Michael Peoples) 9 868
PPIPPI (by: kazzafunk) 2 552
Completion Certificate  DFDCompletion Certificate DFD (by: luluj) 4 1018
1 year into iva1 year into iva (by: MelanieGiles) 5 687
1st year review1st year review (by: MelanieGiles) 2 638
iva reveiwiva reveiw (by: MelanieGiles) 3 703
Hello,I recieved my completion certificate two weeks ago. On Saturday won on the LottoHello,I recieved my completion certificate two weeks ago. On Saturday won on the Lotto (by: MelanieGiles) 8 1307
Would I have to declare ISA savings to an IVA ?  My DMP company went into receivership.Would I have to declare ISA savings to an IVA ? My DMP company went into receivership. (by: MelanieGiles) 6 702
We have a joint mortgage. If partners IVA fails and mine is up to date,  what happens to house ?We have a joint mortgage. If partners IVA fails and mine is up to date, what happens to house ? (by: darcus30) 15 792
Thinking of letting present IVA fail and starting a new oneThinking of letting present IVA fail and starting a new one (by: Andy Davie) 4 965
Can I claim PPI ?Can I claim PPI ? (by: Andy Davie) 3 792
12 months in lieu of Equity a question12 months in lieu of Equity a question (by: country girl) 15 2149
4 months age had F & F accepted, certificate promised soon.  Now stand to inherit.4 months age had F & F accepted, certificate promised soon. Now stand to inherit. (by: MelanieGiles) 13 1251
Been told if final settlement not accepted all my redundancy retirement payout will be taken.Been told if final settlement not accepted all my redundancy retirement payout will be taken. (by: MelanieGiles) 3 899
Hi Melanie, have you received my emails?Hi Melanie, have you received my emails? (by: Nichola.70) 5 726
We paid f&f to GT in October 2013, no certificate yet.  Really want to move and downsizeWe paid f&f to GT in October 2013, no certificate yet. Really want to move and downsize (by: MelanieGiles) 2 613
notice of breachnotice of breach (by: MelanieGiles) 3 675
Told I need to start a new IVA by GT although I have made 5 years of payments.Told I need to start a new IVA by GT although I have made 5 years of payments. (by: MelanieGiles) 46 6624
Ryan and team achieve peoples dreams!Ryan and team achieve peoples dreams! (by: Paulb78) 8 1214
How long does it take to get your completion certificate ? Last payment made December 2013How long does it take to get your completion certificate ? Last payment made December 2013 (by: MelanieGiles) 8 1043
Am I better off with a charity or a debt management company ?Am I better off with a charity or a debt management company ? (by: MelanieGiles) 4 898
Dad has received exemplary advice and service from PJG. F&F accepted. Thank you so muchDad has received exemplary advice and service from PJG. F&F accepted. Thank you so much (by: MelanieGiles) 7 968
i want to sell my house and buy another but worried that IVA will want proceeds of salei want to sell my house and buy another but worried that IVA will want proceeds of sale (by: MelanieGiles) 4 837
final certificatefinal certificate (by: lesley) 5 613
Advice about how to go about a full and final settlement much appreciated.Advice about how to go about a full and final settlement much appreciated. (by: MelanieGiles) 3 785
F&F october 2013, waiting for certificate. Are GT holding the money ? Creditor says nothing paid.F&F october 2013, waiting for certificate. Are GT holding the money ? Creditor says nothing paid. (by: MelanieGiles) 3 772
When selling a house do I have to pay the full amount of the IVA back ?When selling a house do I have to pay the full amount of the IVA back ? (by: MelanieGiles) 2 610
Debit cards if bank knows about IvaDebit cards if bank knows about Iva (by: MelanieGiles) 10 1185
Can an interim order be voided ?Can an interim order be voided ? (by: MelanieGiles) 3 690
To all my new friends on the forum, solicitors are looking into notice of breach from DFD ?To all my new friends on the forum, solicitors are looking into notice of breach from DFD ? (by: MelanieGiles) 4 1089
Can mortgage company come to me for shortfall after repossession ?Can mortgage company come to me for shortfall after repossession ? (by: MelanieGiles) 2 497
We are seriously considering an IVAWe are seriously considering an IVA (by: MelanieGiles) 9 805
Final Certificate  PG RecoveryFinal Certificate PG Recovery (by: lesley) 6 829
Contesting HMRCs position on HMRC v Paymex ltd case.Contesting HMRCs position on HMRC v Paymex ltd case. (by: Glenndw64) 12 980
What happens  if I pay more than my original debt ?What happens if I pay more than my original debt ? (by: Foggy) 2 765
I would like to look into a F&F IVA. I have equity but not in a position to remortgage.I would like to look into a F&F IVA. I have equity but not in a position to remortgage. (by: Michael Peoples) 2 791
5050 Overtime Rule5050 Overtime Rule (by: Andy Davie) 3 860
Would it be madness to come off the property ladder ?Would it be madness to come off the property ladder ? (by: UpToMyNeckInIt) 3 1446
I need some urgent advice on getting a business accountI need some urgent advice on getting a business account (by: UpToMyNeckInIt) 4 968
Surely we are no longer in an IVA arrangement ? Completion certificate dated February 2014Surely we are no longer in an IVA arrangement ? Completion certificate dated February 2014 (by: pushcaddy) 3 1635
New excuse for not sending certificate  closures department is up for repairNew excuse for not sending certificate closures department is up for repair (by: TzeKin) 4 935
Mortgage in PrincipalMortgage in Principal (by: Michael Peoples) 106 19143
i have a six year iva with 9 months added for some PPI recoveryi have a six year iva with 9 months added for some PPI recovery (by: Chrisdn88) 8 1108
Arrears StatementsArrears Statements (by: Andy Davie) 2 832
PPI delaysPPI delays (by: moira723) 1 604
Sorting out our debts ?Sorting out our debts ? (by: Michael Peoples) 2 917
If I dont pay my arrears my IVA will be closed. What can I do ?If I dont pay my arrears my IVA will be closed. What can I do ? (by: Michael Peoples) 2 1001
Up front feesUp front fees (by: Michael Peoples) 7 1045
Can you have an IVA if you have equity in your home and are not insolvent ?Can you have an IVA if you have equity in your home and are not insolvent ? (by: Michael Peoples) 4 1039
Can I buy a new house if my husband has an IVA and mortgage ?Can I buy a new house if my husband has an IVA and mortgage ? (by: Michael Peoples) 4 1024
hi, me and my ex partner have a joint loan and overdraft.hi, me and my ex partner have a joint loan and overdraft. (by: Andy Davie) 4 916
I have a joint account with my wife in my IVA.  She is still being chased as main account holder.I have a joint account with my wife in my IVA. She is still being chased as main account holder. (by: Michael Peoples) 4 952
My nhs pension was never included as an expense or am assetMy nhs pension was never included as an expense or am asset (by: Michael Peoples) 2 871
Can I transfer to another company ?Can I transfer to another company ? (by: Foggy) 2 945
Will the 85% loan to value apply as I have negative equity ?Will the 85% loan to value apply as I have negative equity ? (by: Foggy) 4 1004
My DMP company has gone into liquidation. I am getting a lot of conflicting advice.My DMP company has gone into liquidation. I am getting a lot of conflicting advice. (by: Foggy) 10 1361
My partner is out of work and we are really struggling. I have obtained payday loansMy partner is out of work and we are really struggling. I have obtained payday loans (by: Foggy) 4 978
Should I be worried about late payment to creditors ?Should I be worried about late payment to creditors ? (by: Foggy) 2 904
If I cant remortgage my property ?If I cant remortgage my property ? (by: Struzzo39) 2 891
What happens if an IVA fails, or is threatened to fail?What happens if an IVA fails, or is threatened to fail? (by: Foggy) 2 926
F&F meeting fridayF&F meeting friday (by: Foggy) 2 979
Hi,Im a little confused as to the time scale of being debt free after an IVA.Hi,Im a little confused as to the time scale of being debt free after an IVA. (by: Andy Davie) 4 998
After out IVA ends in November, can my ex wife buy me out ?After out IVA ends in November, can my ex wife buy me out ? (by: Michael Peoples) 2 896
Debt from CC> Westcot > now to Robinson way?Debt from CC> Westcot > now to Robinson way? (by: flamingate) 4 1458
How does the IVA work now we are separated ?How does the IVA work now we are separated ? (by: Michael Peoples) 2 928
Finished IVA 2 years ago and now looking for another mortgage lenderFinished IVA 2 years ago and now looking for another mortgage lender (by: Ryan) 12 1296
Mortgage 3 yrs after F&F settlementMortgage 3 yrs after F&F settlement (by: Ryan) 7 1058
Will child benefit be seen as extra income and taken from me towards monthly payments ?Will child benefit be seen as extra income and taken from me towards monthly payments ? (by: Michael Peoples) 5 1098
Can PayPlan take my NHS pension payout ?Can PayPlan take my NHS pension payout ? (by: Michael Peoples) 3 1046
I am beginning to feel very inadequate and quite scared due to debt.  Looking for some advice.I am beginning to feel very inadequate and quite scared due to debt. Looking for some advice. (by: Michael Peoples) 5 1183
F&F advise pleaseF&F advise please (by: Michael Peoples) 6 1284
Good news and a questionGood news and a question (by: luluj) 8 1316
How can I get IVA closed more speedily and get redress for GTs appalling maladministration ?How can I get IVA closed more speedily and get redress for GTs appalling maladministration ? (by: mrportman) 3 1124

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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.