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TitlePostsViews
BUY HIGH QUALITY FAKE OR REALBUY HIGH QUALITY FAKE OR REAL (by: woodsholyes) 1 11
BUY HIGH QUALITY FAKE OR REALBUY HIGH QUALITY FAKE OR REAL (by: woodsholyes) 1 8
BUY HIGH QUALITY FAKE OR REAL PASSPORT,ID CARDSBUY HIGH QUALITY FAKE OR REAL PASSPORT,ID CARDS (by: woodsholyes) 1 11
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: UpToMyNeckInIt) 2 33
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: Alex.07) 1 22
Should I be worried about late payment to creditors ?Should I be worried about late payment to creditors ? (by: exonian) 1 31
Up front feesUp front fees (by: The Major) 3 56
If I cant remortgage my property ?If I cant remortgage my property ? (by: Kesa) 1 31
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 53
My nhs pension was never included as an expense or am assetMy nhs pension was never included as an expense or am asset (by: mollie) 1 32
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) 1 47
F&F meeting fridayF&F meeting friday (by: Foggy) 2 77
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: MerlinL14) 5 327
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) 4 144
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: Michael Peoples) 2 113
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 97
Debt from CC> Westcot > now to Robinson way?Debt from CC> Westcot > now to Robinson way? (by: flamingate) 4 679
How does the IVA work now we are separated ?How does the IVA work now we are separated ? (by: Michael Peoples) 2 119
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) 12 396
Mortgage 3 yrs after F&F settlementMortgage 3 yrs after F&F settlement (by: Ryan) 7 248
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) 5 303
Can PayPlan take my NHS pension payout ?Can PayPlan take my NHS pension payout ? (by: Michael Peoples) 3 246
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) 5 319
F&F advise pleaseF&F advise please (by: Michael Peoples) 6 413
Good news and a questionGood news and a question (by: luluj) 8 457
BlogsBlogs (by: luluj) 1 129
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) 3 295
re mortagere mortage (by: Jilld7276) 3 482
ppippi (by: Michael Peoples) 2 275
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: Jamesd1251) 4 273
How do I get record of uncompleted IVA removed from credit file as I went bankrupt ?How do I get record of uncompleted IVA removed from credit file as I went bankrupt ? (by: Michael Peoples) 2 201
IP states he will recommend bankruptcy and force my house to be sold if I cant remortgageIP states he will recommend bankruptcy and force my house to be sold if I cant remortgage (by: John.87) 11 1410
Confused with letter about remortgaging. I am now paying extra 12 months in lieuConfused with letter about remortgaging. I am now paying extra 12 months in lieu (by: sho2) 6 918
10 months out of my IVA, who would give me a mortgage to move house ?10 months out of my IVA, who would give me a mortgage to move house ? (by: Ryan) 3 613
Will PPI award be taken by IVA ?Will PPI award be taken by IVA ? (by: Radish) 8 489
Can an IVA find out if a client is a limited liability company ?Can an IVA find out if a client is a limited liability company ? (by: Andy Davie) 3 321
New jobNew job (by: Andy Davie) 4 335
I will be receiving back dated housing benefit.  Is this a windfall, or can I keep some of it ?I will be receiving back dated housing benefit. Is this a windfall, or can I keep some of it ? (by: Michael Peoples) 3 486
Please can you let me have your views on my situation regarding a F&F offer ?Please can you let me have your views on my situation regarding a F&F offer ? (by: Michael Peoples) 5 628
Every time we think there is light at the end of the tunnel another year is addedEvery time we think there is light at the end of the tunnel another year is added (by: mole) 4 423
Hopefully finished 46 weeksHopefully finished 46 weeks (by: leighxx) 4 712
Awarded PIP backdated to Sept 2013.  I need this money as my disability has got worse.Awarded PIP backdated to Sept 2013. I need this money as my disability has got worse. (by: luluj) 3 414
I finished my IVA in 2012.  How can I get public record on Experian removed ?I finished my IVA in 2012. How can I get public record on Experian removed ? (by: luluj) 3 336
Would it be madness to come off the property ladder ?Would it be madness to come off the property ladder ? (by: luluj) 2 351
Fed up of Equity in FinanceFed up of Equity in Finance (by: The Major) 13 2096
7 months after we were told our IVA had finished we have been contacted about equity release7 months after we were told our IVA had finished we have been contacted about equity release (by: Foggy) 2 430
Am I liable for Credit?  I finished my IVA in AprilAm I liable for Credit? I finished my IVA in April (by: Nicola.n) 7 578
Is a secured loan the same as a remortgage ?Is a secured loan the same as a remortgage ? (by: Heretoday) 18 1265
equity release calculation????equity release calculation???? (by: chrisA) 9 733
RedundancyRedundancy (by: mole) 8 570
Car leasingCar leasing (by: nittykitty) 7 605
Releasing my share of the equity ?Releasing my share of the equity ? (by: esgt1967) 2 500
Hi, can two people in same household have a IVA at the same time ?Hi, can two people in same household have a IVA at the same time ? (by: esgt1967) 3 516
Is it OK to use a pre paid credit card in an IVA ?Is it OK to use a pre paid credit card in an IVA ? (by: SUC) 4 554
Credit report queryCredit report query (by: Foggy) 2 472
How much from house sale would I have to pay into IVA ? Can restriction be removed ?How much from house sale would I have to pay into IVA ? Can restriction be removed ? (by: Foggy) 2 475
What is the notice period a DMP company has to give clients about a take over ?What is the notice period a DMP company has to give clients about a take over ? (by: Foggy) 2 519
What happens to the PPI refund ?What happens to the PPI refund ? (by: Foggy) 4 550
Please can you give me some advice before I go out of my mindPlease can you give me some advice before I go out of my mind (by: Carole H) 9 696
3 months in3 months in (by: Struzzo39) 6 781
Can you be on IVA if you are a governor of a school ?Can you be on IVA if you are a governor of a school ? (by: luluj) 6 606
URGENT ...FAO JUDITH ANDERTON DFDURGENT ...FAO JUDITH ANDERTON DFD (by: Nichola.70) 17 1302
I have been trying to arrange an IVA with Creditfix since January without success.I have been trying to arrange an IVA with Creditfix since January without success. (by: Rubyred) 4 569
Mortgage in PrincipalMortgage in Principal (by: luluj) 99 16062
We are now being pursued for business rates. What is our position ?We are now being pursued for business rates. What is our position ? (by: Gerard.m) 3 497
Need to relocate to keep job. Can I sell home and buy new property in the new location ?Need to relocate to keep job. Can I sell home and buy new property in the new location ? (by: Foggy) 2 567
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: Foggy) 2 594
Hi, my other half has an IVA. Do I need to provide bank statements for a F & F settlement ?Hi, my other half has an IVA. Do I need to provide bank statements for a F & F settlement ? (by: Andy Davie) 3 493
I have been accepted for a new job. Will the IVA affect this ?I have been accepted for a new job. Will the IVA affect this ? (by: Foggy) 2 479
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: khorat) 35 7225
Can my  student bursaries and loans be taken into account as income ?Can my student bursaries and loans be taken into account as income ? (by: Michael Peoples) 2 486
Hi, My IVA company have been holding a cheque for almost a year.Hi, My IVA company have been holding a cheque for almost a year. (by: Michael Peoples) 2 519
Can my supervisor keep extending the final clearance date ?Can my supervisor keep extending the final clearance date ? (by: Michael Peoples) 2 487
My accountant is suggesting bankruptcy.  I have no assets and going through a divorce.My accountant is suggesting bankruptcy. I have no assets and going through a divorce. (by: Michael Peoples) 2 475
Getting nervous againGetting nervous again (by: pavel33) 7 800
Full and final meeting next weekFull and final meeting next week (by: Michael Peoples) 10 1077
Can IVA take accident compensation as a windfall ?Can IVA take accident compensation as a windfall ? (by: Michael Peoples) 3 652
12 months in lieu of Equity a question12 months in lieu of Equity a question (by: country girl) 9 1003
Looking at F&F offer and wondering it the following sounds reasonable ?Looking at F&F offer and wondering it the following sounds reasonable ? (by: MelanieGiles) 3 707
Is there any way an extension can be rejected or is this a right of passage ?Is there any way an extension can be rejected or is this a right of passage ? (by: MelanieGiles) 4 697
In iva, going bankrupt :(In iva, going bankrupt :( (by: MelanieGiles) 13 822
Need a little help!Need a little help! (by: MelanieGiles) 8 1218
Secured LoansSecured Loans (by: MelanieGiles) 2 593
Car questionCar question (by: MelanieGiles) 8 844
UPDATED  Why cant Payplan Understand????UPDATED Why cant Payplan Understand???? (by: MelanieGiles) 26 2183
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: wiggle1) 56 6333
How long after the IVA is finished would I be likely to get a mortgage ?How long after the IVA is finished would I be likely to get a mortgage ? (by: Ryan) 4 604
Ive completed but cant rebuild my credit rating.Ive completed but cant rebuild my credit rating. (by: TzeKin) 12 1137
Terrified by stories of DFD stalling, what can I do now to assist them in finalising my IVA ?Terrified by stories of DFD stalling, what can I do now to assist them in finalising my IVA ? (by: tiva) 10 1219
Roughly how long will completion certificate take ? IP is ignoring my emailsRoughly how long will completion certificate take ? IP is ignoring my emails (by: carole2662) 9 757
Is it classed as a loan or does the family member offering a F&F payment have to gift it ?Is it classed as a loan or does the family member offering a F&F payment have to gift it ? (by: MelanieGiles) 5 711
Our property has been excluded from IVA ?Our property has been excluded from IVA ? (by: MelanieGiles) 9 1272
Despite making my last payment almost 18 months ago I cant get released from IVADespite making my last payment almost 18 months ago I cant get released from IVA (by: MelanieGiles) 2 629
A bit fed up.A bit fed up. (by: MelanieGiles) 22 2244
Hello all.We are currently looking at taking on an IVAHello all.We are currently looking at taking on an IVA (by: MelanieGiles) 3 700
Mis sold investment, recovering frozen pension ?Mis sold investment, recovering frozen pension ? (by: MelanieGiles) 4 729
Ryan and team achieve peoples dreams!Ryan and team achieve peoples dreams! (by: Struzzo39) 2 465
What are the chances Im forced to release equity if I switch from DMP to IVA ?What are the chances Im forced to release equity if I switch from DMP to IVA ? (by: Andy Davie) 3 639
Is there any way I can appeal against equity decision ?Is there any way I can appeal against equity decision ? (by: Michael Peoples) 2 643
What happens to the creditors who do not agree ?What happens to the creditors who do not agree ? (by: Michael Peoples) 2 604
Hi I have just paid my last IVA payment and looking to move.Hi I have just paid my last IVA payment and looking to move. (by: Andy Davie) 2 656
Queries about a Fill and Final offerQueries about a Fill and Final offer (by: kernewek) 3 662
Does it get easier?Does it get easier? (by: craigiewicked1) 8 889
Would I lose my n.h.s pension if I retired early ?Would I lose my n.h.s pension if I retired early ? (by: MelanieGiles) 10 949
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) 39 3975
How does private work pension affect an application for an IVA or bankruptcy ?How does private work pension affect an application for an IVA or bankruptcy ? (by: MelanieGiles) 2 713
I wish to sell a joint mortgaged house and obtain a mortgage with partner.I wish to sell a joint mortgaged house and obtain a mortgage with partner. (by: luluj) 3 695
how to remove a topichow to remove a topic (by: Foggy) 2 669
Words of Thanks and a QuestionWords of Thanks and a Question (by: relieved33) 7 782
Credit reportCredit report (by: sponge) 2 623
Paying off my IVA in full with sale of my house ?Paying off my IVA in full with sale of my house ? (by: gizmo6) 5 817
What would be a realistic sum to end our IVAs ?What would be a realistic sum to end our IVAs ? (by: gill123) 4 1102
Advise please on removing default and getting a mortgageAdvise please on removing default and getting a mortgage (by: Ryan) 3 871
Could not find any mention of equity release in paperwork.  IVA started in September 2009.Could not find any mention of equity release in paperwork. IVA started in September 2009. (by: Michael Peoples) 4 739
Credit report & ex wife!Credit report & ex wife! (by: Foggy) 6 700
Why is my IP stalling in sending out the paperwork for a Full and Final Settlement ?Why is my IP stalling in sending out the paperwork for a Full and Final Settlement ? (by: Michael Peoples) 11 1052
Should I have been advised that I did not need to use all my student finance as income ?Should I have been advised that I did not need to use all my student finance as income ? (by: Michael Peoples) 7 1077
Despite being told our personal IVA would not affect our business, we now cant get funding.Despite being told our personal IVA would not affect our business, we now cant get funding. (by: Michael Peoples) 9 868
4 weekly pay4 weekly pay (by: Michael Peoples) 5 787
Friday is d dayFriday is d day (by: Michael Peoples) 41 2654
Would I be allowed to borrow money to continue IVA as I have been told it has failed ?Would I be allowed to borrow money to continue IVA as I have been told it has failed ? (by: MelanieGiles) 3 903
Is it possible to get an IVA once a n1cpc form has been sent out for completion ?Is it possible to get an IVA once a n1cpc form has been sent out for completion ? (by: MelanieGiles) 3 736
Will if affect my IVA if I witness a mortgage application ?Will if affect my IVA if I witness a mortgage application ? (by: MelanieGiles) 7 773
Cleardebt Completion CertificateCleardebt Completion Certificate (by: MelanieGiles) 4 740
hi , I am in an IVA, can I add overpayment from tax credits ?hi , I am in an IVA, can I add overpayment from tax credits ? (by: MelanieGiles) 2 668
HI  I am in an IVA but being harassed by a creditorHI I am in an IVA but being harassed by a creditor (by: MelanieGiles) 3 691
what is the abbreviation of DOA when you have made the final payment ?what is the abbreviation of DOA when you have made the final payment ? (by: relieved33) 2 694
Will IVA started 8 years ago, now finished, prevent us being a guarantor for her flat ?Will IVA started 8 years ago, now finished, prevent us being a guarantor for her flat ? (by: MelanieGiles) 4 859
Not sure where I stand now?Not sure where I stand now? (by: MelanieGiles) 25 2692
How would it affect the guarantor of my loan if I settled my IVA early ?How would it affect the guarantor of my loan if I settled my IVA early ? (by: MelanieGiles) 3 703
Credit check on rental agreement ?Credit check on rental agreement ? (by: Foggy) 2 699
When mortgage deal is up ?When mortgage deal is up ? (by: Goosed) 7 846
We cant afford our monthly payments which have almost doubled. Should we go bankrupt ?We cant afford our monthly payments which have almost doubled. Should we go bankrupt ? (by: MelanieGiles) 4 918
Originally with Money Debt and Credit, found out by chance that GT had taken over.Originally with Money Debt and Credit, found out by chance that GT had taken over. (by: MelanieGiles) 10 1230
Does an IVA constitute a legal restriction on gaining credit 3 months after completion ?Does an IVA constitute a legal restriction on gaining credit 3 months after completion ? (by: MelanieGiles) 4 815
Hi need some help getting letters of rejection for remortgageHi need some help getting letters of rejection for remortgage (by: Sensible77) 3 769
Final payment vs completion certificate?Final payment vs completion certificate? (by: luluj) 5 1108
Have no way of paying off debts. Have recently become unemployed.Have no way of paying off debts. Have recently become unemployed. (by: luluj) 3 796
Cant believe that nobody from Credit Fix contacted me to say I was in breech.Cant believe that nobody from Credit Fix contacted me to say I was in breech. (by: dawnlougib) 15 1319
A family member has offered to pay off our IVA. Would we have any chance of moving home ?A family member has offered to pay off our IVA. Would we have any chance of moving home ? (by: luluj) 2 739
House equityHouse equity (by: Stephanie.g) 7 1009
What do I need to do about defaults on my credit file ?What do I need to do about defaults on my credit file ? (by: luluj) 3 906
PJG RecoveryPJG Recovery (by: Bob and Gill) 8 1231
LIGHT AT THE END OF THE TUNNEL!!!LIGHT AT THE END OF THE TUNNEL!!! (by: Struzzo39) 6 1192
PPIPPI (by: Foggy) 2 865
What happens at the end of year 5What happens at the end of year 5 (by: Wolfie) 8 1098
PPIPPI (by: Michael Peoples) 2 897
How much should my Father in law offer for a f&f settlement ?How much should my Father in law offer for a f&f settlement ? (by: Michael Peoples) 5 1062
Thats itThats it (by: Foggy) 2 887
Can a very good credit rating ever be achieved again ? Can IVA show up in a hidden record ?Can a very good credit rating ever be achieved again ? Can IVA show up in a hidden record ? (by: Foggy) 3 909

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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.