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TitlePostsViews
Would I be able to have another IVA ?Would I be able to have another IVA ? (by: Iechyd da) 3 18
I am struggling to organise a new mortgage after bankruptcy 3+ years ago.I am struggling to organise a new mortgage after bankruptcy 3+ years ago. (by: Nick.s) 5 239
At my wits ends and dont know what to do.  Weve not paid for 10 monthsAt my wits ends and dont know what to do. Weve not paid for 10 months (by: Michael Peoples) 3 128
I have claimed PPI on a secured loan, not part of my IVA , but it is being sent to IVA company.I have claimed PPI on a secured loan, not part of my IVA , but it is being sent to IVA company. (by: Michael Peoples) 2 83
PJG?PJG? (by: Michael Peoples) 5 187
IVA FailedIVA Failed (by: Michael Peoples) 3 129
I am so angryI am so angry (by: Michael Peoples) 5 212
IP says settlement offer is too low. Please help, this is stressing me out.IP says settlement offer is too low. Please help, this is stressing me out. (by: Michael Peoples) 3 37
Has anyone recently completed an IVA with payplan?Has anyone recently completed an IVA with payplan? (by: back on track) 5 180
Im moving out of my parents and in with my boyfriend. What happens next ?Im moving out of my parents and in with my boyfriend. What happens next ? (by: Andy Davie) 2 89
Can I offer a full and final payment without trying to remortgage ?Can I offer a full and final payment without trying to remortgage ? (by: Andy Davie) 2 121
Difficulty with getting payslips for Full and Final Settlement.  Any suggestions and many thanks.Difficulty with getting payslips for Full and Final Settlement. Any suggestions and many thanks. (by: Michael Peoples) 2 125
Need some advice about releasing equityNeed some advice about releasing equity (by: Michael Peoples) 2 120
Upgrade Bank AccountUpgrade Bank Account (by: plasticdaft) 2 166
Almost there?!!Almost there?!! (by: vlc1507) 9 475
Just got an IVA via Knightsbridge. Bank has taken my tax savings. Now Ill have to go bankruptJust got an IVA via Knightsbridge. Bank has taken my tax savings. Now Ill have to go bankrupt (by: Michael Peoples) 12 443
Hi, wanting some advice really about PPI claims after receiving completion certificateHi, wanting some advice really about PPI claims after receiving completion certificate (by: Daviddw71) 3 343
Credit ref agency helpCredit ref agency help (by: TzeKin) 3 235
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: TzeKin) 20 6186
Just starting out  and very scaredJust starting out and very scared (by: Daviddw71) 13 668
Credit after ivaCredit after iva (by: TzeKin) 12 2391
Does GT have any claim over PPI after receiving my completion certificate ?Does GT have any claim over PPI after receiving my completion certificate ? (by: Daviddw71) 8 343
Bankruptcy and parents houseBankruptcy and parents house (by: Michael Peoples) 5 189
Hi, just wondered if someone could advise me about discrepancy in start date ?Hi, just wondered if someone could advise me about discrepancy in start date ? (by: Sarah Jolly) 10 365
I am having ongoing treatment for cancer and at a total loss at what to do about equity.I am having ongoing treatment for cancer and at a total loss at what to do about equity. (by: Michael Peoples) 4 245
Im being taken to court by ex for money, gifts and car. If he wins, will the IVA  protect me ?Im being taken to court by ex for money, gifts and car. If he wins, will the IVA protect me ? (by: Michael Peoples) 2 210
Can I deduct the 15% supervisors fees from a full and final settlement ?Can I deduct the 15% supervisors fees from a full and final settlement ? (by: Michael Peoples) 2 240
URGENT DFD. please  contact me as promisedURGENT DFD. please contact me as promised (by: wiggle1) 47 3464
Rebuild credit after completion certificateRebuild credit after completion certificate (by: plasticdaft) 11 596
creditor meetingcreditor meeting (by: nu4an) 8 374
Hi. Are any others in this forum teachers or school staff ?Hi. Are any others in this forum teachers or school staff ? (by: seagulls) 8 413
IVA agreedIVA agreed (by: Michael Peoples) 4 202
Sorted thanks McCambridge Duffy. Fantastic customer service throughout.Sorted thanks McCambridge Duffy. Fantastic customer service throughout. (by: Blueskies) 8 348
PPI queriesPPI queries (by: Michael Peoples) 2 205
Mis sold IVAMis sold IVA (by: Michael Peoples) 10 500
If authorities have levied or taken control of goods the debt cannot be included ?If authorities have levied or taken control of goods the debt cannot be included ? (by: Michael Peoples) 2 196
Hi All Hoping someone can offer advice as I am confused about PPI and starting eBay business.Hi All Hoping someone can offer advice as I am confused about PPI and starting eBay business. (by: Michael Peoples) 5 335
How does working on a commission basis work with an IVA?How does working on a commission basis work with an IVA? (by: Steve Rees) 2 201
Notice Of Correction On my Credit reportNotice Of Correction On my Credit report (by: Goosed) 8 1763
I paid a full and final in October 2013, and am still awaiting a completion certificateI paid a full and final in October 2013, and am still awaiting a completion certificate (by: Evette Everest) 5 284
F&F April 2014. DFD refuse to give me a date for completion certificate, never answer emailsF&F April 2014. DFD refuse to give me a date for completion certificate, never answer emails (by: Evette Everest) 3 315
Heading for disaster ? Now unemployed, paid around half of what I should. Is this unusual ?Heading for disaster ? Now unemployed, paid around half of what I should. Is this unusual ? (by: Andy Davie) 3 254
Dont understand why DFD is arranging house visit when IVA finished October 2013Dont understand why DFD is arranging house visit when IVA finished October 2013 (by: Evette Everest) 3 311
Can I use back dated PPI to offer a Full and Final offer ?Can I use back dated PPI to offer a Full and Final offer ? (by: Andy Davie) 2 188
Hi.  I met a new client yesterday who has an IVA. Wondered if you could assist ?Hi. I met a new client yesterday who has an IVA. Wondered if you could assist ? (by: Andy Davie) 3 271
3rd year review3rd year review (by: linrog) 10 465
IVA Friendly Bank AccountsIVA Friendly Bank Accounts (by: plasticdaft) 9 295
Insolvency registerInsolvency register (by: luluj) 5 712
Hi. I have been awarded pip and have received back pay. Can I offer this as a Full & Final ?Hi. I have been awarded pip and have received back pay. Can I offer this as a Full & Final ? (by: luluj) 3 244
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: lesley) 43 10518
Credit Cleanup quick questionCredit Cleanup quick question (by: Ryan) 7 309
Can you have 2 IVAs ? We have extra debts that were not debts when we went onto the IVA .Can you have 2 IVAs ? We have extra debts that were not debts when we went onto the IVA . (by: luluj) 2 310
Sarah Jolly.  I am attempting to contact you. Emails at your address keep saying invalid addressSarah Jolly. I am attempting to contact you. Emails at your address keep saying invalid address (by: Caroline.77) 1 237
F&F Accepted, what happens next?F&F Accepted, what happens next? (by: Dougie) 5 371
Max recovery default still showingMax recovery default still showing (by: john.jk) 3 326
IVA APPROVED!IVA APPROVED! (by: cheesecake12) 10 457
Deductions from payslipsDeductions from payslips (by: Arek) 11 1024
We have an offer to make final settlement. Will we have to pay full amount because of equity ?We have an offer to make final settlement. Will we have to pay full amount because of equity ? (by: Michael Peoples) 2 297
The PPI I have successfully claimed was not part of my IVA but is being paid to them.The PPI I have successfully claimed was not part of my IVA but is being paid to them. (by: Michael Peoples) 2 271
Can I be asked for more when I have completed a 6 year term ?Can I be asked for more when I have completed a 6 year term ? (by: Andy Davie) 3 359
What will happen if my IVA fails?What will happen if my IVA fails? (by: Andy Davie) 3 278
if my partner moves in with me during my IVA,  can he be made to pay my debts ?if my partner moves in with me during my IVA, can he be made to pay my debts ? (by: Andy Davie) 3 281
Awaiting completion cert. we receive letter from DFD asking for review & for someone to call on usAwaiting completion cert. we receive letter from DFD asking for review & for someone to call on us (by: Michael Peoples) 2 348
If I have been over paying can anything be done about it ? Creditfix are going to look into it.If I have been over paying can anything be done about it ? Creditfix are going to look into it. (by: Michael Peoples) 3 354
Can anyone advise on options for paying arrears ?Can anyone advise on options for paying arrears ? (by: plasticdaft) 2 304
Hi Team, wondering what usually happens at the end of the IVA. NOW 3+ years into IVAHi Team, wondering what usually happens at the end of the IVA. NOW 3+ years into IVA (by: luluj) 3 296
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: lesley) 4 437
Will being in an IVA affect my chances of getting into the police force ?Will being in an IVA affect my chances of getting into the police force ? (by: lesley) 3 357
Almost d dayAlmost d day (by: lesley) 3 235
How will cheque for an accident claim affect my IVA ?How will cheque for an accident claim affect my IVA ? (by: lesley) 2 329
PPI HavocPPI Havoc (by: Foxy81) 7 401
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: luluj) 6 684
After making an early settlement payment last January getting no sense from DFD about CCAfter making an early settlement payment last January getting no sense from DFD about CC (by: luluj) 4 298
Anyone use ClearDebt?Anyone use ClearDebt? (by: Foxy81) 20 22690
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: Michael Peoples) 13 634
House ValuationHouse Valuation (by: Michael Peoples) 16 1437
Change of job  salary increase.Change of job salary increase. (by: Foggy) 2 310
Claims Broker??Claims Broker?? (by: bombshell) 5 608
I thought IVA sold to GT ended in 2011. Creditor now demanding payment. What do I do ?I thought IVA sold to GT ended in 2011. Creditor now demanding payment. What do I do ? (by: Michael Peoples) 2 282
Letter from McDuffyLetter from McDuffy (by: Til) 15 868
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: Will.66) 8 607
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: lesley) 7 613
Would I be able to act as guarantor for sons loan ?Would I be able to act as guarantor for sons loan ? (by: lesley) 3 400
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) 3 350
5th annual review5th annual review (by: wiggle1) 6 1018
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) 14 684
Query about deductions at source in income and expenditure formQuery about deductions at source in income and expenditure form (by: Foggy) 2 351
How long can i expect a creditors meeting to last ?How long can i expect a creditors meeting to last ? (by: Foggy) 2 366
Almost thereAlmost there (by: lesley) 13 789
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) 5 570
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) 3 547
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) 2 472
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) 8 619
Overtime after completing IVAOvertime after completing IVA (by: Radish) 12 943
Care CostsCare Costs (by: Michael Peoples) 2 456
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) 4 575
OIL BOILERADVICEOIL BOILERADVICE (by: luluj) 3 537
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) 2 573
Can ex partner be sued whilst in an IVA ?Can ex partner be sued whilst in an IVA ? (by: Michael Peoples) 6 591
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) 4 607
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) 4 577
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) 4 618
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) 2 610
Permission from GT to put my house up for sale?Permission from GT to put my house up for sale? (by: bombshell) 3 602
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) 2 531
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) 2 623
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) 6 549
DFD Closure ProcessDFD Closure Process (by: Til) 5 1235
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) 3 622
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) 3 448
Pay rise with 5 months to goPay rise with 5 months to go (by: Michael Peoples) 5 607
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) 3 615
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) 3 621
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) 6 892
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 1729
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) 4 576
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 1062
Help.. F&F process GTHelp.. F&F process GT (by: relieved33) 19 836
Are my depts written of after the five year period ?Are my depts written of after the five year period ? (by: Foggy) 2 664
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) 3 751
Why are some full and final settlements declined ?Why are some full and final settlements declined ? (by: Andy Davie) 3 659
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) 4 901
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) 11 822
Partial Settlement appears postIVAPartial Settlement appears postIVA (by: Shaun Vickery) 14 1108
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) 3 730
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) 6 699
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) 2 728
3rd year review3rd year review (by: linrog) 5 734
Can I remove myself from joint IVA?Can I remove myself from joint IVA? (by: Foggy) 7 716
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 1039
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 1057
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) 2 677
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) 2 698
How does a bonus workHow does a bonus work (by: Indeep) 8 1692
Todays the day......Todays the day...... (by: luna) 21 1228
How to word a F+F letter?How to word a F+F letter? (by: Andy Davie) 5 883
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) 5 666
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) 8 701
IVA friendly banksIVA friendly banks (by: linrog) 19 6914
Iva.co.uk Survey Findings  Debt and Mental HealthIva.co.uk Survey Findings Debt and Mental Health (by: relieved33) 5 935
Can we put joint debts into IVA ?Can we put joint debts into IVA ? (by: Michael Peoples) 7 837
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) 2 782
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) 2 699
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) 2 620
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) 2 868
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 1169
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) 3 998
I am selling a property. What happens to the equity ?I am selling a property. What happens to the equity ? (by: Andy Davie) 2 835
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) 2 876
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 1580

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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.