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Top 150 Debt Questions from the IVA Forum
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TitlePostsViews
To all you good people entering or in an IVATo all you good people entering or in an IVA (by: Goosed) 3 26
Can i settle my multiple loan debts by setting up set installment amounts ?Can i settle my multiple loan debts by setting up set installment amounts ? (by: Foggy) 2 17
Why does PPI take so long?Why does PPI take so long? (by: Struzzo39) 3 61
Monthly insurance payments refused. Any suggestions for IVA friendly companies ?Monthly insurance payments refused. Any suggestions for IVA friendly companies ? (by: Struzzo39) 7 121
IVA.co.uk Survey  Winner!IVA.co.uk Survey Winner! (by: Struzzo39) 7 174
Today is the day!!!!Today is the day!!!! (by: Struzzo39) 7 109
Told by creditfix that we can put council tax arrears on IVA ?Told by creditfix that we can put council tax arrears on IVA ? (by: bridgey) 2 21
Final Year (5th) of IVAFinal Year (5th) of IVA (by: maximoose) 2 38
We cant carry on paying current amount to PayPlan. Any advice ?We cant carry on paying current amount to PayPlan. Any advice ? (by: Foggy) 9 450
Not wanting to cause issues with my wife I have qurries about an unsecured loan and equity.Not wanting to cause issues with my wife I have qurries about an unsecured loan and equity. (by: Andy Davie) 6 258
After 5 years of yearly reviews with no increases now told payments incompleteAfter 5 years of yearly reviews with no increases now told payments incomplete (by: Andy Davie) 4 202
Meeting at 1030! When might we hear!?Meeting at 1030! When might we hear!? (by: bridgey) 28 462
After a 15 month extension due to Ill health, will approx. 5% equity cause another extension ?After a 15 month extension due to Ill health, will approx. 5% equity cause another extension ? (by: Foggy) 2 61
Open Company after IVA or buy HouseOpen Company after IVA or buy House (by: ilkodimov) 1 62
Final IVA Payment was January 2014Final IVA Payment was January 2014 (by: Foggy) 7 389
GT not taking a durect debit on my IVAGT not taking a durect debit on my IVA (by: lesley) 2 151
My husband is not a joint mortgage holder. What right to equity does he have if I have an IVA .My husband is not a joint mortgage holder. What right to equity does he have if I have an IVA . (by: Foggy) 4 129
IVA company wont reply to emails and wont call us back when they said they willIVA company wont reply to emails and wont call us back when they said they will (by: Stephen.22) 5 185
Will husband s pension go to IVA ? It is the only income we have. I may not be able to workWill husband s pension go to IVA ? It is the only income we have. I may not be able to work (by: sponge) 2 130
I recently satisfied IVA in full, clear credit file. Am I allowed to say no IVA to mortgage broker ?I recently satisfied IVA in full, clear credit file. Am I allowed to say no IVA to mortgage broker ? (by: sponge) 29 856
Was I misinformed ? Told I could not have an IVA unless my partner took one out.Was I misinformed ? Told I could not have an IVA unless my partner took one out. (by: barleybear) 10 232
Completion Certificat from GT!Completion Certificat from GT! (by: Foggy) 2 126
Can anyone tell me how to take DFD to court for them to give me my Completion certificate ?Can anyone tell me how to take DFD to court for them to give me my Completion certificate ? (by: Broke n down) 8 820
I have a fixed rate mortgage with NAT WEST which ends soon. They are unaware of my IVA.I have a fixed rate mortgage with NAT WEST which ends soon. They are unaware of my IVA. (by: SUC) 6 215
IVA completed. Now need to move. Will it be possible to rent ?IVA completed. Now need to move. Will it be possible to rent ? (by: lesley) 2 101
Hi, Ive not declared some money which I should have. Is there any way I can keep IVA ?Hi, Ive not declared some money which I should have. Is there any way I can keep IVA ? (by: lesley) 13 941
How can I get a credit card post IVA but yet cannot get a mortgage with high street bank ?How can I get a credit card post IVA but yet cannot get a mortgage with high street bank ? (by: nonewdebt) 6 212
CountdownCountdown (by: sonj77) 7 310
upliftuplift (by: bridgey) 10 394
Having seen the light at end of tunnel last year it seems the tunnel has collapsed in front of usHaving seen the light at end of tunnel last year it seems the tunnel has collapsed in front of us (by: Christabellesparkle) 3 464
helphelp (by: kath1980) 8 331
Do I have to give my partners details and proof of her income? IVA is in my nameDo I have to give my partners details and proof of her income? IVA is in my name (by: Foggy) 2 223
Looking to lease a vehicle. My car on HP lease agreement has been taken back.Looking to lease a vehicle. My car on HP lease agreement has been taken back. (by: UpToMyNeckInIt) 17 1176
(Not another) Equity Release Question!(Not another) Equity Release Question! (by: Imhotep) 3 248
Has anyone else had equity issues with Creditfix ?Has anyone else had equity issues with Creditfix ? (by: Sarahdw83) 5 219
I am a self employed landlord. Can I use PPI to clear mortgage arrears ?I am a self employed landlord. Can I use PPI to clear mortgage arrears ? (by: Foggy) 2 197
How to remove IVA details from credit file ?How to remove IVA details from credit file ? (by: Foggy) 2 208
Kids have not had a holiday in 3 years. Dont want them to suffer for our mistakes.Kids have not had a holiday in 3 years. Dont want them to suffer for our mistakes. (by: Imhotep) 10 493
I am concerned that the 2014 IVA policy refers to either remortgage or a secure loanI am concerned that the 2014 IVA policy refers to either remortgage or a secure loan (by: bridgey) 5 363
weekly? Monthly?weekly? Monthly? (by: Goosed) 2 255
HI I am new to this.  How will the IVA company know that I have had a tax rebate ?HI I am new to this. How will the IVA company know that I have had a tax rebate ? (by: Tim24752) 7 475
CreditCredit (by: mole) 2 243
Told we cannot get a mortgage anywhere post IVA.  Is this correct ?Told we cannot get a mortgage anywhere post IVA. Is this correct ? (by: nonewdebt) 19 1370
Letter now confusedLetter now confused (by: jojo2102) 8 418
Phone calls ?!Phone calls ?! (by: Andy Davie) 6 365
Feeling worn outFeeling worn out (by: lesley) 11 1074
Hi, Im currently in an IVA with Grant Thornton and I would like to change my careerHi, Im currently in an IVA with Grant Thornton and I would like to change my career (by: lesley) 3 217
Adding a smallish shop onto overdraft while starting IVA process ?Adding a smallish shop onto overdraft while starting IVA process ? (by: lesley) 5 341
Worried about losing my job if I enter an IVA arrangementWorried about losing my job if I enter an IVA arrangement (by: kazzafunk) 9 949
Im really worried that I will have to pay my IVA for a further 12 months.Im really worried that I will have to pay my IVA for a further 12 months. (by: kazzafunk) 3 311
Creditor phone callsCreditor phone calls (by: kazzafunk) 10 422
Could do with advice about settling our IVA early.  Just going into fourth yearCould do with advice about settling our IVA early. Just going into fourth year (by: Lollipop) 3 829
Only a claim for a few hundred pounds outstanding. EIF have been chasing it for 2.5 yearsOnly a claim for a few hundred pounds outstanding. EIF have been chasing it for 2.5 years (by: Struzzo39) 5 579
IVA friendly banksIVA friendly banks (by: recovering) 18 4429
Hi just started our 4th year and one thing I cant understand is getting cheaper insuranceHi just started our 4th year and one thing I cant understand is getting cheaper insurance (by: lesley) 4 343
Completion with Harrington BrooksCompletion with Harrington Brooks (by: Dave Bowman) 9 1063
Wondering what will happen if I stop working now I am pregnant ?Wondering what will happen if I stop working now I am pregnant ? (by: Foggy) 2 288
Credit after ivaCredit after iva (by: Foggy) 5 444
I have 1 year left on my IVA but due to ill health have had to drastically cut my work hoursI have 1 year left on my IVA but due to ill health have had to drastically cut my work hours (by: Michael Peoples) 5 503
This month will be my last payment with my IVA company. What is going to happen then ?This month will be my last payment with my IVA company. What is going to happen then ? (by: Christabellesparkle) 4 561
F&F processF&F process (by: luluj) 10 1823
F&F offer accepted, thank you FJF&F offer accepted, thank you FJ (by: luluj) 6 727
I need help with mortgage since clearing an IVAI need help with mortgage since clearing an IVA (by: luluj) 3 607
Can one be forced to accept the 2014 IVA protocol ?Can one be forced to accept the 2014 IVA protocol ? (by: Goosed) 27 2047
Thank you DFD   FinallyThank you DFD Finally (by: lesley) 8 1125
I need to know where my money from my PPI refund is goingI need to know where my money from my PPI refund is going (by: Foggy) 5 455
What happens if i stop paying my IVA ? Reduced payments refused, Im getting into more debt.What happens if i stop paying my IVA ? Reduced payments refused, Im getting into more debt. (by: Foggy) 2 503
PayplanPayplan (by: country girl) 5 759
PPI delaysPPI delays (by: Sb30) 3 1466
Hi, I have just made my last payment. What is the lead time for final closure ?Hi, I have just made my last payment. What is the lead time for final closure ? (by: Foggy) 14 1536
QueryQuery (by: sosilly) 6 788
Equity ReleaseEquity Release (by: steve9864) 12 1270
Have I overpaid ? Kingsgate are being very vague despite asking for more money.Have I overpaid ? Kingsgate are being very vague despite asking for more money. (by: urbanfox) 4 613
PPI review...PPI review... (by: Foggy) 2 561
Having paid off my IVA last January , why am I still receiving letters from creditors ?Having paid off my IVA last January , why am I still receiving letters from creditors ? (by: luluj) 3 839
Its so daunting that there are so many IVA companies. Really worried about which one to choose.Its so daunting that there are so many IVA companies. Really worried about which one to choose. (by: Michael Peoples) 21 1448
Hi Evette could you look into my case ? When I phone I get fobbed off with different stories.Hi Evette could you look into my case ? When I phone I get fobbed off with different stories. (by: luluj) 2 635
Anyone use ClearDebt?Anyone use ClearDebt? (by: Sb30) 16 21773
Last payment August 2013. Do I have to wait until CC before debts show as clear ?Last payment August 2013. Do I have to wait until CC before debts show as clear ? (by: ginger323232) 2 616
I am a years and a half into my IVA, wondering if I can get a mobile phone contract ?I am a years and a half into my IVA, wondering if I can get a mobile phone contract ? (by: winterblues) 3 669
IVA failureIVA failure (by: chrissy12345) 8 904
Having to move to another rented property.  Would an increase in rent be accepted ?Having to move to another rented property. Would an increase in rent be accepted ? (by: Michael Peoples) 5 822
Been waiting nearly 7 years to be debt free. Still no further with DFD sending CC. NEED HELPBeen waiting nearly 7 years to be debt free. Still no further with DFD sending CC. NEED HELP (by: Sb30) 5 948
What happens to the money from a successful PPI claim if the IVA is failed ?What happens to the money from a successful PPI claim if the IVA is failed ? (by: Foggy) 4 863
hi I completed my IVA  in 2004, on basis that Completion certificate meant exactly that.hi I completed my IVA in 2004, on basis that Completion certificate meant exactly that. (by: seagulls) 2 766
Now having to repay over payments of tax credits that I was not aware of post IVANow having to repay over payments of tax credits that I was not aware of post IVA (by: Rich) 3 832
Hi. I am at my wits end. I am in year 9 and still technically in an IVA. Please help meHi. I am at my wits end. I am in year 9 and still technically in an IVA. Please help me (by: wiggle1) 5 1016
Signed deed assignment thus avoiding CC delay. Now told I have to wait until PPI is completed.Signed deed assignment thus avoiding CC delay. Now told I have to wait until PPI is completed. (by: Sharon.10) 2 691
The PPI claims company are checking for PPI I claimed 4 years ago, well before IVA startedThe PPI claims company are checking for PPI I claimed 4 years ago, well before IVA started (by: Foggy) 3 559
Is statuary interest included as part of realisations ?Is statuary interest included as part of realisations ? (by: Foggy) 3 775
IVA confusionIVA confusion (by: Foggy) 5 809
Is there any set time scale we should expect from Freeman Jones for full and final offer ?Is there any set time scale we should expect from Freeman Jones for full and final offer ? (by: welshwiz) 4 566
Can we put wheels in motion for a DMP or IVA without an income at present ?Can we put wheels in motion for a DMP or IVA without an income at present ? (by: Michael Peoples) 6 759
ID signatoryID signatory (by: Blueskies) 9 938
DPSDPS (by: Michael Peoples) 7 1021
F+F Offer?F+F Offer? (by: Michael Peoples) 5 945
Getting phone calls from my old bank regarding loans that were taken out in 1999Getting phone calls from my old bank regarding loans that were taken out in 1999 (by: Garyd0559) 4 1139
Wondering what will happen when we get a call tomorrow about our DRO and IVA from PayPlan ?Wondering what will happen when we get a call tomorrow about our DRO and IVA from PayPlan ? (by: seagulls) 3 894
MOT.......Bricking it!MOT.......Bricking it! (by: lesley) 10 886
Going on holiday, need to hire a car but dont have the necessary credit card.Going on holiday, need to hire a car but dont have the necessary credit card. (by: steve9864) 8 1125
Hi Im new on here just wondered if there are any mortgage films for remortgage ?Hi Im new on here just wondered if there are any mortgage films for remortgage ? (by: Shaun Vickery) 4 879
Evette could you get in contact with me ?Evette could you get in contact with me ? (by: Foggy) 2 851
PPI Reclaims  when is best?PPI Reclaims when is best? (by: Foggy) 6 885
F&F Offered.........F&F Offered......... (by: Michael Peoples) 4 756
Rung up DFD to complain 6 times. Told not to bother. What sort of attitude is that ?Rung up DFD to complain 6 times. Told not to bother. What sort of attitude is that ? (by: Evette Everest) 3 1020
This is a question for Evette Everest.This is a question for Evette Everest. (by: Evette Everest) 3 954
IP will not give certificate until all PPI claimed. Could take a year. IVA finished December 2013IP will not give certificate until all PPI claimed. Could take a year. IVA finished December 2013 (by: Foggy) 5 929
Final PaymentsFinal Payments (by: Foggy) 2 872
What can I do ? GT refuse to pay interest on PPI as promisedWhat can I do ? GT refuse to pay interest on PPI as promised (by: Sharon.10) 30 4696
I have finished my 5 year IVA and now they are telling me I need to pay for another year.I have finished my 5 year IVA and now they are telling me I need to pay for another year. (by: Michael Peoples) 2 726
UpdateUpdate (by: Michael Peoples) 4 850
Is my remaining equity at risk after additional 12 months in lieu of equity release ?Is my remaining equity at risk after additional 12 months in lieu of equity release ? (by: bridgey) 3 910
If after a year or two I pay off my IVA, how would my credit file be affected ?If after a year or two I pay off my IVA, how would my credit file be affected ? (by: Foggy) 3 819
The end is in sight!....Or is it?The end is in sight!....Or is it? (by: Struzzo39) 15 1282
We are uneasy and unsure of what happens now. We completed our IVA in JulyWe are uneasy and unsure of what happens now. We completed our IVA in July (by: Foggy) 2 803
Newbie here can anyone help meNewbie here can anyone help me (by: Beth1978) 3 753
Can our IVA be extended to seven years ?Can our IVA be extended to seven years ? (by: Beth1978) 3 813
Chairmans ReportChairmans Report (by: sosilly) 7 1423
I have just found out that MY IVA completed but nor received anything in the post from GTI have just found out that MY IVA completed but nor received anything in the post from GT (by: Foggy) 2 682
Hello. I completed my IVA in August 2012 with DFD, not received completion certificate.Hello. I completed my IVA in August 2012 with DFD, not received completion certificate. (by: Sharon.10) 2 1098
DIRECT DEBITSDIRECT DEBITS (by: bezo82) 3 607
Want to move next year to another rented house.  Have not yet received completion certificate.Want to move next year to another rented house. Have not yet received completion certificate. (by: ginger323232) 2 725
Dfd are asking for a expenditure form for 2012Dfd are asking for a expenditure form for 2012 (by: Evette Everest) 3 924
Wondering if its legal to leave large owing from over earning until our IVA was nearly finished.Wondering if its legal to leave large owing from over earning until our IVA was nearly finished. (by: Andy Davie) 11 1494
PPI  does it mean IVA terms ongoing?PPI does it mean IVA terms ongoing? (by: Foggy) 6 1284
I am moving, and applied for a flat. Will it be an issue that I was in an IVA four years ago ?I am moving, and applied for a flat. Will it be an issue that I was in an IVA four years ago ? (by: Michael Peoples) 3 802
Can I cancel my IVA ? I have only just sent in the paperwork.Can I cancel my IVA ? I have only just sent in the paperwork. (by: Andy Davie) 3 797
Hi. Looking for a mortgage. Waiting for completion certificate.Hi. Looking for a mortgage. Waiting for completion certificate. (by: Shaun Vickery) 6 803
What happens to my partners share of the equity ?What happens to my partners share of the equity ? (by: Michael Peoples) 2 694
I am a taxi driver and If I enter into an IVA, will it affect my CRB renewal ?I am a taxi driver and If I enter into an IVA, will it affect my CRB renewal ? (by: Andy Davie) 2 798
Variation settlement rejected. Can anyone help please ?Variation settlement rejected. Can anyone help please ? (by: Michael Peoples) 18 3194
What will happen to my home if I allow my IVA to fail ?What will happen to my home if I allow my IVA to fail ? (by: Michael Peoples) 8 854
Blog of the week winnerBlog of the week winner (by: Car1e) 875 109766
Can phone providers be changed during course of an IVA ?Can phone providers be changed during course of an IVA ? (by: UpToMyNeckInIt) 4 1254
Can I pay less ?Can I pay less ? (by: Foggy) 2 615
Urgent advice needed .Urgent advice needed . (by: Til) 14 1384
Does the income of my girlfriend, who lives with me, get added to my income ?Does the income of my girlfriend, who lives with me, get added to my income ? (by: Michael Peoples) 2 800
3rd party?????3rd party????? (by: Michael Peoples) 2 766
Finished IVA in feb 2013.  DFD say it is with closure team beaut will not give us a date for CCFinished IVA in feb 2013. DFD say it is with closure team beaut will not give us a date for CC (by: Foggy) 2 789
Will my IVA be affected if I go over 40 hoursWill my IVA be affected if I go over 40 hours (by: Michael Peoples) 2 756
Notice of breechNotice of breech (by: Michael Peoples) 18 1545
Will my payments on an iva be less than a dmp ?Will my payments on an iva be less than a dmp ? (by: size5) 3 1115
What effect will it have on partner and children when I move in, and how will it effect my IVA ?What effect will it have on partner and children when I move in, and how will it effect my IVA ? (by: Michael Peoples) 8 1002
IVA completed 5 years ago. Now looking to remortgage, have been turned down three times.IVA completed 5 years ago. Now looking to remortgage, have been turned down three times. (by: TzeKin) 7 1017
Looking for a mortgageLooking for a mortgage (by: Ryan) 3 1006
Benefits in IVABenefits in IVA (by: Michael Peoples) 4 908
i had a serious accident and have 18 months to comi had a serious accident and have 18 months to com (by: Michael Peoples) 3 903
questions about forced sale for equity valuationquestions about forced sale for equity valuation (by: Michael Peoples) 5 806
WobbleWobble (by: lesley) 15 918
Would having an IVA prevent me from taking my children on holiday ?Would having an IVA prevent me from taking my children on holiday ? (by: Struzzo39) 30 3319

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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.