IVA Home

Vincent Bond View all sponsors
IVA HOT TOPICS
Hot topics discussed on the IVA forum
Make a posting

- Make social post - Make debt post

See Top 300 Posts

All - Social Chat - Debt Questions - Most replies - Most views - IVA News -BankruptcyHelp Hot Topics - BankruptcyHelp Most Viewed

Top 150 Debt Questions from the IVA Forum
Active Topics on IVA Forum
TitlePostsViews
Does an IVA affect your credit rating ?Does an IVA affect your credit rating ? (by: hubert) 6 314
How would bonus payment affect my IVA ?How would bonus payment affect my IVA ? (by: plasticdaft) 4 447
Can I change from a DMP which will run for 19 years to an IVA ?Can I change from a DMP which will run for 19 years to an IVA ? (by: Michael Peoples) 5 118
Can I use a post office account to save some cash ?Can I use a post office account to save some cash ? (by: plasticdaft) 7 480
How will an IVA affect me ? Will I lose my home ? I am a disabled portfolio landlord.How will an IVA affect me ? Will I lose my home ? I am a disabled portfolio landlord. (by: Michael Peoples) 4 100
Credit file!!!Credit file!!! (by: plasticdaft) 6 189
If I have to continue for extra year I am way above the debt I originally had. I am very upset.If I have to continue for extra year I am way above the debt I originally had. I am very upset. (by: Michael Peoples) 5 124
Thank you F. J for sending CC in just 7 weeks. Also thanks to everyone who kept me going.Thank you F. J for sending CC in just 7 weeks. Also thanks to everyone who kept me going. (by: Foggy) 3 99
What happens nextWhat happens next (by: janez) 7 345
Annual Review decrease in earningsAnnual Review decrease in earnings (by: plasticdaft) 7 290
Accepted!!!!!!!!Accepted!!!!!!!! (by: plasticdaft) 13 360
Wondering what Harington Brooks would do if I received back payWondering what Harington Brooks would do if I received back pay (by: clanger) 4 200
CreditFix and equity releaseCreditFix and equity release (by: Seanj67) 75 6361
I dont understand the remortgage contribution of our IVAI dont understand the remortgage contribution of our IVA (by: Michael Peoples) 4 183
Hi, what are the fees for processing an IVA ?Hi, what are the fees for processing an IVA ? (by: Michael Peoples) 9 1847
I am so confused. I understood if no available equity, no further payments would be made.I am so confused. I understood if no available equity, no further payments would be made. (by: Tony.mac) 18 2388
All records have gone  from my credit report except one.All records have gone from my credit report except one. (by: hubert) 8 535
Hiya! I need to know the pros and cons of bankruptcy before signing for an IVA.Hiya! I need to know the pros and cons of bankruptcy before signing for an IVA. (by: Foggy) 4 277
Iva acceptance?Iva acceptance? (by: Michael Peoples) 54 3399
CC Received! Its finally overCC Received! Its finally over (by: MerlinL14) 8 374
Can I go straight to my creditors and pay off IVA ? I am divorcing and sold the property.Can I go straight to my creditors and pay off IVA ? I am divorcing and sold the property. (by: Michael Peoples) 19 1462
Will my wifes wages still be included in my IVA now that my salary has increased ?Will my wifes wages still be included in my IVA now that my salary has increased ? (by: Michael Peoples) 2 365
Hi everyone. IVA taken care of now and thanks agaln. I have a new question about a loan.Hi everyone. IVA taken care of now and thanks agaln. I have a new question about a loan. (by: Stuart.01) 4 1174
How would self employed income be calculated for IVA payments ?How would self employed income be calculated for IVA payments ? (by: watzki) 4 398
Will I have to pay the full amount back ?Will I have to pay the full amount back ? (by: Michael Peoples) 3 412
Can Cleardebt delay my completion .  I completed a F&F in October 2015.Can Cleardebt delay my completion . I completed a F&F in October 2015. (by: dipsy) 4 449
How do I complete a full and final with a pension without losing it all ?How do I complete a full and final with a pension without losing it all ? (by: Michael Peoples) 5 599
How would events such as moving into partners house, starting working,  affect my IVA ?How would events such as moving into partners house, starting working, affect my IVA ? (by: Michael Peoples) 4 426
I dont want to drop out of uni when Ive come so far.... Could my payments be lowered ?I dont want to drop out of uni when Ive come so far.... Could my payments be lowered ? (by: Michael Peoples) 3 428
iva early finishiva early finish (by: rover860) 5 617
Reclaiming chargesReclaiming charges (by: kallis3) 5 481
Received our CC in June, sadly recently my husband passed away. I quess I am a little scaredReceived our CC in June, sadly recently my husband passed away. I quess I am a little scared (by: Foggy) 5 490
I feel desperately for my parents, and would be grateful for any advice.I feel desperately for my parents, and would be grateful for any advice. (by: Lisa Thomas) 6 587
Experian ReportExperian Report (by: Lisa Thomas) 5 544
Hi.  How will change of job affect my IVA ?Hi. How will change of job affect my IVA ? (by: Lisa Thomas) 12 859
Default on credit fileDefault on credit file (by: PoorbutHappy) 5 585
What would be a reasonable offer ?What would be a reasonable offer ? (by: Michael Peoples) 15 1075
Completion CertificateCompletion Certificate (by: Lisa Thomas) 5 994
I would like to pay off our IVA with a secured loan.I would like to pay off our IVA with a secured loan. (by: Lisa Thomas) 18 1258
Need finance for a car, less than 3 years old, as company car replaced by monthly allowance.Need finance for a car, less than 3 years old, as company car replaced by monthly allowance. (by: Lisa Thomas) 4 706
How do I get more information about IVAs ?How do I get more information about IVAs ? (by: Lisa Thomas) 6 937
Remorgtage in final yearRemorgtage in final year (by: Lisa Thomas) 4 902
Credit reportCredit report (by: MerlinL14) 21 4904
I am in a dilemma. My partner wants to put me on mortgage deeds, but I am in an IVA.I am in a dilemma. My partner wants to put me on mortgage deeds, but I am in an IVA. (by: Shaun Vickery) 4 1170
Hello,This is a question for Ryan.Hello,This is a question for Ryan. (by: Shaun Vickery) 5 831
What happens if we decline the offer by Select Partnership ? I fear an astronomical rateWhat happens if we decline the offer by Select Partnership ? I fear an astronomical rate (by: Michael Peoples) 4 908
Are these fees excessive ?Are these fees excessive ? (by: Foggy) 3 775
Barclaycard keep trying to contact meBarclaycard keep trying to contact me (by: kallis3) 8 925
Early Exit Loans .....Early Exit Loans ..... (by: luluj) 5 961
Experts;I would like to thank you. Whats the difference between a notice of completion and a CC?Experts;I would like to thank you. Whats the difference between a notice of completion and a CC? (by: Foggy) 6 1126
If I cannot stay on interest only mortgage I cannot continue.  Devastating after 5 yearsIf I cannot stay on interest only mortgage I cannot continue. Devastating after 5 years (by: KAZZA) 106 19491
With 2 months left on my IVA, Ive just received forms for PPI. Why ?  Its worrying.With 2 months left on my IVA, Ive just received forms for PPI. Why ? Its worrying. (by: Foggy) 3 966
How does an IVA affect bank accounts ? Does my employer need to know of an IVA ?How does an IVA affect bank accounts ? Does my employer need to know of an IVA ? (by: Foggy) 9 1106
Would this be likely to be accepted ?Would this be likely to be accepted ? (by: Foggy) 3 860
What is a variation and a F&F ?  What happens if we sell the house ?What is a variation and a F&F ? What happens if we sell the house ? (by: kallis3) 2 817
My creditors are still contacting meMy creditors are still contacting me (by: kallis3) 3 894
How much do people realstically have to live on in an IVA ?How much do people realstically have to live on in an IVA ? (by: kallis3) 14 1351
Am I legally obliged to mention IVA, completed in full 2011 in application for FCA licence ?Am I legally obliged to mention IVA, completed in full 2011 in application for FCA licence ? (by: kallis3) 8 952
Full & Final QuestionsFull & Final Questions (by: kallis3) 8 1140
PPI Interest Refund  AperturePPI Interest Refund Aperture (by: dth8030) 3 881
Is it correct that PPI claimed even after after CC received goes to IVA ?Is it correct that PPI claimed even after after CC received goes to IVA ? (by: Lisa Thomas) 6 1043
Been offered an early exit loan. Any suggestions please.Been offered an early exit loan. Any suggestions please. (by: hubert) 16 1482
IVA completed as a one off payment in 2014 but credit rating still showing an active IVAIVA completed as a one off payment in 2014 but credit rating still showing an active IVA (by: ginger323232) 10 1384
Advised to take legal advice before paying off IVA ?Advised to take legal advice before paying off IVA ? (by: kallis3) 3 944
When does the clock stop ticking on how long default shows?   Can I change the default status ?When does the clock stop ticking on how long default shows? Can I change the default status ? (by: Kevin.95) 6 1316
IVA completed Jan 2016. No CC yet from DFD. Does this delay effect my credit score ?IVA completed Jan 2016. No CC yet from DFD. Does this delay effect my credit score ? (by: Foggy) 11 1825
Aperture 🙄🙄🙄Aperture 🙄🙄🙄 (by: Lisa Thomas) 10 1269
I live in a static caravan, my only home.   Would I have to sell it in an IVA ?I live in a static caravan, my only home. Would I have to sell it in an IVA ? (by: Lisa Thomas) 14 2087
Should I cancel IVA and take on debts myself or can I make an offer ?Should I cancel IVA and take on debts myself or can I make an offer ? (by: Foggy) 22 1884
Does IVA companies carry out your income checks?Does IVA companies carry out your income checks? (by: Foggy) 5 1026
I am at a loss as to why a creditor is insistent that my husband relinquishes his depositI am at a loss as to why a creditor is insistent that my husband relinquishes his deposit (by: Foggy) 9 1343
I have a complaint against Cambridge McDuffyI have a complaint against Cambridge McDuffy (by: Michael Peoples) 6 1250
Is an IVA at all possible for me ?Is an IVA at all possible for me ? (by: Michael Peoples) 7 1093
Should I be worried that my IVA company is in administration ?Should I be worried that my IVA company is in administration ? (by: luluj) 4 978
Can we sell during 6th year and pay off the balance ? I am no longer able to work full time.Can we sell during 6th year and pay off the balance ? I am no longer able to work full time. (by: Lisa Thomas) 4 1005
Whats the likely hood of getting a decent mortgage after the IVA has been completed ?Whats the likely hood of getting a decent mortgage after the IVA has been completed ? (by: Lisa Thomas) 5 1128
I am in year 6 of my IVA, can the IVA company add another year for the equity ?I am in year 6 of my IVA, can the IVA company add another year for the equity ? (by: Lisa Thomas) 4 1077
Do I have a chance of this offer being accepted ?Do I have a chance of this offer being accepted ? (by: Lisa Thomas) 4 1035
Im very stressed, waiting for IVA approval.  Will it be OK for me to continue with present banks ?Im very stressed, waiting for IVA approval. Will it be OK for me to continue with present banks ? (by: kallis3) 10 1059
Im 2yrs into my 5yr IVA, worried about bank statements showing I have been playing poker.Im 2yrs into my 5yr IVA, worried about bank statements showing I have been playing poker. (by: plasticdaft) 6 1340
Bit of adice please as worried. Why would IVA ask to see last 3 months of bank statements ?Bit of adice please as worried. Why would IVA ask to see last 3 months of bank statements ? (by: plasticdaft) 4 1053
Thank you Aperture for your speedy conclusion to my IVAThank you Aperture for your speedy conclusion to my IVA (by: Starry30) 8 1977
Will cancelled IVA be automatically removed from my credit report ? Started August 2016Will cancelled IVA be automatically removed from my credit report ? Started August 2016 (by: Lisa Thomas) 9 1215
Do I need to inform IVA about change from fulltime to part time work due to ill health?Do I need to inform IVA about change from fulltime to part time work due to ill health? (by: Lisa Thomas) 5 1332
I have started a new IVA after first one failed,  with same companyI have started a new IVA after first one failed, with same company (by: Lisa Thomas) 4 1155
Has anyone had success securing a HTB mortgage after an IVA ?Has anyone had success securing a HTB mortgage after an IVA ? (by: Lisa Thomas) 5 2061
Hi all. Im new to the forum and wanted to share my story and gain some valuable adviceHi all. Im new to the forum and wanted to share my story and gain some valuable advice (by: Lisa Thomas) 10 1722
Equity releaseEquity release (by: Foggy) 16 1741
Does Nat West credit check to change from current account to rewards account ?Does Nat West credit check to change from current account to rewards account ? (by: welshwiz) 14 1634
credit scorecredit score (by: nursecrippin) 25 4458
How would a IVA affect my employment etc ?How would a IVA affect my employment etc ? (by: kallis3) 3 1205
Does an IVA blacklist you?Does an IVA blacklist you? (by: kallis3) 3 1137
Hello Laura. Please help. The email address in your details appears to be restricted.Hello Laura. Please help. The email address in your details appears to be restricted. (by: Laura.Harrop) 6 1922
Creditors have fallen off credit file except one who refuses to do this as its a true reflection.Creditors have fallen off credit file except one who refuses to do this as its a true reflection. (by: Shaun Vickery) 14 1549
Can I buy a property for the same value as my current home which I own.Can I buy a property for the same value as my current home which I own. (by: Shaun Vickery) 7 1255
Life after IVALife after IVA (by: Shaun Vickery) 14 1756
RbsRbs (by: Lisa Thomas) 4 1128
Can our IVA revert back to its original agreed term now IVA company has received PPI ?Can our IVA revert back to its original agreed term now IVA company has received PPI ? (by: Lisa Thomas) 4 1232
Estate agent asked if I wanted valuation on cash buyinvestor.  Is this OK ?Estate agent asked if I wanted valuation on cash buyinvestor. Is this OK ? (by: Lisa Thomas) 6 1385
What figure do IVA company use to calculate equity ?What figure do IVA company use to calculate equity ? (by: Lisa Thomas) 4 1320
Does the IVA company do a final credit check on the final payment ?Does the IVA company do a final credit check on the final payment ? (by: kallis3) 5 1296
Can I sue my ex wife for taking out an IVA without me knowing ? We have a joint mortgage.Can I sue my ex wife for taking out an IVA without me knowing ? We have a joint mortgage. (by: Lisa Thomas) 6 1362
How can I look further into an IVA ?How can I look further into an IVA ? (by: Lisa Thomas) 5 1302
DRO and Ltd company questionDRO and Ltd company question (by: Michael Peoples) 2 1072
Insolvency RegisterInsolvency Register (by: Goosed) 34 4096
Im tempted but cautious about going down the bankruptcy route with a fresh start.Im tempted but cautious about going down the bankruptcy route with a fresh start. (by: Lisa Thomas) 4 1427
Info re alleged IVA dishonesty is not being followed up as person has cried harassment.Info re alleged IVA dishonesty is not being followed up as person has cried harassment. (by: Lisa Thomas) 3 1483
I have been trying to get my credit file updated but Creditfix have not settled some accounts.I have been trying to get my credit file updated but Creditfix have not settled some accounts. (by: Lisa Thomas) 12 1741
Hello can you let me how the equity release is worked out ?Hello can you let me how the equity release is worked out ? (by: Michael Peoples) 4 1215
What does it mean for the IVA practitioner to make a bulk payment ?What does it mean for the IVA practitioner to make a bulk payment ? (by: Michael Peoples) 3 1262
IVA Approval  ChancesIVA Approval Chances (by: Michael Peoples) 16 2827
A driving accident.  How does it affect my IVA ?  Anyone got any tips of advice ?A driving accident. How does it affect my IVA ? Anyone got any tips of advice ? (by: MerlinL14) 10 1600
Going with McCambridge DuffyGoing with McCambridge Duffy (by: Foggy) 15 2348
Is this worth pursuing ? A possible refund of charges according to consumer information officeIs this worth pursuing ? A possible refund of charges according to consumer information office (by: stevie43) 9 1795
Experian Credit Matcher free for life?  Curious as to how accurate it proves to be.Experian Credit Matcher free for life? Curious as to how accurate it proves to be. (by: kallis3) 2 1308
Feedback and advice welcomed about an innovative new product, ie a loan to pay off IVA.Feedback and advice welcomed about an innovative new product, ie a loan to pay off IVA. (by: kallis3) 2 1323
I am offering 100p in the £ and today had my IVA rejected. Why ?I am offering 100p in the £ and today had my IVA rejected. Why ? (by: size5) 6 1806
Anyone heard of Sprout LoansAnyone heard of Sprout Loans (by: Foggy) 8 1556
Ending in Nov but they want a reviewEnding in Nov but they want a review (by: kallis3) 7 1165
Any advice on companies giving free  property valuations ?Any advice on companies giving free property valuations ? (by: kallis3) 6 1478
How do I go about replacing my work vehicle ?How do I go about replacing my work vehicle ? (by: kallis3) 7 1341
IVA say they are going to extend my IVA for 3 years in lieu of equity release. Can they ?IVA say they are going to extend my IVA for 3 years in lieu of equity release. Can they ? (by: Lisa Thomas) 5 1513
I am worried that my 6 on 3 off shift work is having a detrimental effect on my health.I am worried that my 6 on 3 off shift work is having a detrimental effect on my health. (by: Lisa Thomas) 5 1339
Hello, I signed a promissory note alongside my husbandHello, I signed a promissory note alongside my husband (by: Lisa Thomas) 5 1437
full and final advice please  ?full and final advice please ? (by: Lisa Thomas) 10 1337
I am very stressed, please can someone explain what actually happens with a house sale ?I am very stressed, please can someone explain what actually happens with a house sale ? (by: Lisa Thomas) 4 1569
I am in the last year (extended) of my IVA. Would I have to pay in a small private pension ?I am in the last year (extended) of my IVA. Would I have to pay in a small private pension ? (by: Lisa Thomas) 5 1533
I am retired.  Can a gas bill that I cant afford to pay be added to my IVA ?I am retired. Can a gas bill that I cant afford to pay be added to my IVA ? (by: Lisa Thomas) 6 1540
Am I debt free ?Am I debt free ? (by: Lisa Thomas) 4 1582
Hi,first time on here.Hi,first time on here. (by: Lisa Thomas) 12 1987
Experian Credit MatcherExperian Credit Matcher (by: Foggy) 3 1246
In my last year of my IVA.Is there anything I should do to make life easier ?In my last year of my IVA.Is there anything I should do to make life easier ? (by: Foggy) 3 1248
I am so worried that my IVA could go on and on. When will it end ?I am so worried that my IVA could go on and on. When will it end ? (by: Michael Peoples) 3 1610
I am worried.  What can I do ? I have been waiting 4 months for CC.I am worried. What can I do ? I have been waiting 4 months for CC. (by: kallis3) 3 1543
Is there anything I can do to get my CC from Varden Nuttal ? IVA finished 2012.Is there anything I can do to get my CC from Varden Nuttal ? IVA finished 2012. (by: Foggy) 2 1519
How does PPI work when in an IVA?How does PPI work when in an IVA? (by: Foggy) 8 1692
Will I have to show IVA company how I have acted as executor of late Mums will ?Will I have to show IVA company how I have acted as executor of late Mums will ? (by: Foggy) 4 1667
Received CC 7 years ago. How can anyone get information about of my credit history ?Received CC 7 years ago. How can anyone get information about of my credit history ? (by: Foggy) 5 1759
I recieved an Email today telling us we can finish early for good behaviourI recieved an Email today telling us we can finish early for good behaviour (by: Lisa Thomas) 17 1914
Hi, I dont know if anyone can help.  We have an interest only mortgage with Northern Rock.Hi, I dont know if anyone can help. We have an interest only mortgage with Northern Rock. (by: Shaun Vickery) 13 1913
Should early mortgage repayment costs be factored into equity calculation ?Should early mortgage repayment costs be factored into equity calculation ? (by: Michael Peoples) 4 1609
I may have to, very reluctantly, resort to instant house buyers to sell house to clear debts.I may have to, very reluctantly, resort to instant house buyers to sell house to clear debts. (by: kallis3) 8 2253
Would I be expected to pay full amount ?Would I be expected to pay full amount ? (by: Lisa Thomas) 3 1591
Hi, Im new here but am in desperate need of adviceHi, Im new here but am in desperate need of advice (by: Lisa Thomas) 18 3171
Vincent bond .. Have they stopped dmp????Vincent bond .. Have they stopped dmp???? (by: Foggy) 4 1593
Creditfix completionCreditfix completion (by: headbanger) 7 1742
Council is offering to buy my flat due to be demolished for regeneration plan.Council is offering to buy my flat due to be demolished for regeneration plan. (by: alameperapautanga) 5 2282
Is this mortgage realistic for a retiree who has had an IVA ? Is it affordable ?Is this mortgage realistic for a retiree who has had an IVA ? Is it affordable ? (by: Ryan) 7 2129
Looking for a mortgage advisor for people in IVAsLooking for a mortgage advisor for people in IVAs (by: Ryan) 5 2072
What is the best F&F offer I should make ?What is the best F&F offer I should make ? (by: Lisa Thomas) 3 1614

Next
IVA CALCULATOR
IVA CALCULATOR
  • Do I qualify?
  • How much written off?
  • Monthly payment amount?
  • Total Debt:
    £
  • No of creditors:
  • Income:
    £
  • Expenses:
    £
  • Own home?
    Yes No
  • NOTE:

    An IVA is not for everyone. This calculator will give information on how an IVA could work.

  • Live Help
Resources
Jobs Available

- Head of social media
- Flexible hours
- Work from home

More info...

Social Media
Clear my debt

- Talk to an advisor
- Discuss your options
- Make an informed choice

  • Name
  • Email
  • Tel
  • Total Debt
  • Tick this box to confirm you have read our terms and conditions
  • What's the sum of 1 + 6 ?
    (spam protection)
Trustpilot Badge
Chat Now
Live Help
IVA.co.uk Newsletter
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. Adam Davies 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.

Important Information:
Iva.co.uk does not provide debt advice. You must always seek professional advice before taking any action to resolve your debts. If you use the IVA Calculator or call the IVA Helpline, we will pass on your details or connect you to one of our partners who will contact you and explain all the options available to you. They will then be able to help you set up a debt solution which is right for you.

Iva.co.uk does not charge you any fees for use of our forum or the IVA Calculator, however we do get paid by our sponsors and the partners we work with. Our partners charge fees and those vary depending on the partner and the debt solution. Customers should refer to our partners' websites for more information regarding their services.

Before entering into any debt solution you should ensure that you have considered the implications. Failure to keep up with repayments can result in bankruptcy or legal action. Lenders are not obliged to accept less in settlement of a debt than they are entitled to or to freeze interest or charges. Not all solutions involve debt write off and some solutions may result in the total amount payable increasing, or the period over which it is to be repaid increasing. Debt solutions will affect your credit rating which records all financial activity for 6 years.

The debt solutions offered by our partners depend on your criteria and circumstances; including how much you owe and how many creditors you owe money to. You need to speak to a debt advisor to obtain a full assessment.

Terms and conditions