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Top 150 Debt Questions from the IVA Forum
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TitlePostsViews
What are the options to pay exces income accumulated over final year, into IVA ?What are the options to pay exces income accumulated over final year, into IVA ? (by: Michael Peoples) 2 35
Natwest & RBSNatwest & RBS (by: flowerpot) 1 29
I have been accepted on a NHS funded university course.  What effect will this have on IVA?I have been accepted on a NHS funded university course. What effect will this have on IVA? (by: Lesley.01) 9 370
Legal action from non voting creditorLegal action from non voting creditor (by: luluj) 4 203
Mortgage chances after IVAMortgage chances after IVA (by: luluj) 6 369
Sent in my paperwork, what now?Sent in my paperwork, what now? (by: luluj) 5 144
Melanie GilesMelanie Giles (by: luluj) 6 286
Feeling scaredFeeling scared (by: sonj77) 15 466
IVA terminated after variation refused. Should we enter into a new IVA ?IVA terminated after variation refused. Should we enter into a new IVA ? (by: Emma2772) 16 803
PPI quite peed offPPI quite peed off (by: luluj) 7 468
MortgageMortgage (by: luluj) 5 104
Credit file after f&f settlementCredit file after f&f settlement (by: arrmickk) 3 103
RemortgageRemortgage (by: Foggy) 6 326
Who can see my credit file?Who can see my credit file? (by: TzeKin) 8 365
Will extra income paid into my IVA clear my debt sooner ?Will extra income paid into my IVA clear my debt sooner ? (by: Foggy) 4 153
Can I ask my mortgage lender for a lower rate now I am out of a fixed rate whist in an IVA ?Can I ask my mortgage lender for a lower rate now I am out of a fixed rate whist in an IVA ? (by: Al.86) 8 215
If I sell my home now the equity is more than the amount I owe.If I sell my home now the equity is more than the amount I owe. (by: Foggy) 2 150
Will my repayment be different as I retire in November ?Will my repayment be different as I retire in November ? (by: lesley) 4 232
Will my debts be taken into consideration at the review of my husbands IVA ?Will my debts be taken into consideration at the review of my husbands IVA ? (by: lesley) 4 234
My wife and kids will get nothing if we sell our house because we are splitting up. Please helpMy wife and kids will get nothing if we sell our house because we are splitting up. Please help (by: lesley) 4 477
What can I do ? Still not had my completion certificate 30 + months after final paymentWhat can I do ? Still not had my completion certificate 30 + months after final payment (by: lesley) 3 271
Can I lease a car whilst in an IVA ?Can I lease a car whilst in an IVA ? (by: lesley) 3 288
Last IVA payment April.  Can I sell my house and get a new mortgage ?Last IVA payment April. Can I sell my house and get a new mortgage ? (by: Ryan) 5 418
The calls have startedThe calls have started (by: sonj77) 22 1207
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: Jason.66) 8 1784
Does anyone get a mortgage at week 54?Does anyone get a mortgage at week 54? (by: lesley) 3 462
Positive post DFDPositive post DFD (by: lesley) 6 531
Can PPI be claimed without me signing any forms ?Can PPI be claimed without me signing any forms ? (by: sarahgod) 7 493
IVA ProtocolIVA Protocol (by: Foggy) 8 846
Is there an approval threshold for IVAIs there an approval threshold for IVA (by: MarkH2) 3 439
Next stepNext step (by: sonj77) 3 431
Can I a loan somewhere to pay out my last IVA year ?Can I a loan somewhere to pay out my last IVA year ? (by: Michael Peoples) 3 481
My husband has been putting off a serious operation for fear of failing IVA. Please helpMy husband has been putting off a serious operation for fear of failing IVA. Please help (by: Michael Peoples) 2 448
Would loss of employment due to ill health be a valid reason to offer a Full and Final ?Would loss of employment due to ill health be a valid reason to offer a Full and Final ? (by: Michael Peoples) 2 412
My husband and myself are separated.  Can he use some of our equity to fund an IVA ?My husband and myself are separated. Can he use some of our equity to fund an IVA ? (by: Michael Peoples) 2 381
Waiting creditors meeting.Waiting creditors meeting. (by: luluj) 42 5656
Kids Savings IVAKids Savings IVA (by: luluj) 3 599
Hi there, im seriously considering an IVA. Is it possible to leave the mortgage alone ?Hi there, im seriously considering an IVA. Is it possible to leave the mortgage alone ? (by: luluj) 5 627
Question on which Company to useQuestion on which Company to use (by: Michael Peoples) 28 3412
Im self employed. How can my tax be listed in the creditor section if it is deducted at source ?Im self employed. How can my tax be listed in the creditor section if it is deducted at source ? (by: Michael Peoples) 3 423
What happens to the interest on PPI ?What happens to the interest on PPI ? (by: Michael Peoples) 3 595
I am very confusedI am very confused (by: Michael Peoples) 2 555
Is it abnormal for me to be scared of ringing PayPlan about a salary sacrifice lease car ?Is it abnormal for me to be scared of ringing PayPlan about a salary sacrifice lease car ? (by: Struzzo39) 6 854
Are creditors allowed to ask us to stop paying into our pensions ? I am near retirementAre creditors allowed to ask us to stop paying into our pensions ? I am near retirement (by: Foggy) 2 521
Other halfs PPI, my IVAOther halfs PPI, my IVA (by: jdlem) 3 510
Hopefully finished 46 weeksHopefully finished 46 weeks (by: lesley) 9 2220
banksbanks (by: lesley) 8 763
What should I do first?What should I do first? (by: steppingstones) 13 944
We are in a joint IVA.  Will my partners redundancy money be taken ?We are in a joint IVA. Will my partners redundancy money be taken ? (by: vaughan) 3 587
Why is my partner being penalised for my mistakes ? He has been denied a loan.Why is my partner being penalised for my mistakes ? He has been denied a loan. (by: TzeKin) 2 619
Equity release againEquity release again (by: country girl) 20 1846
KnightsbridgeKnightsbridge (by: sonj77) 6 597
Please could someone suggest a full and final offer ?Please could someone suggest a full and final offer ? (by: JULIERATTY) 3 589
I thought after 5 years I would be debt free, now I find I owe money againI thought after 5 years I would be debt free, now I find I owe money again (by: relieved33) 3 688
I have my completion certificate but insolvency exchange still showing defaultsI have my completion certificate but insolvency exchange still showing defaults (by: Foggy) 2 545
F&F processF&F process (by: Foggy) 4 363
Can I sell my vehicle ?Can I sell my vehicle ? (by: Foggy) 2 542
What will happen if our IVA is terminated ?What will happen if our IVA is terminated ? (by: Foggy) 2 551
Hi All? I have an offer of a gift to end IVA early. Do I have much chance of acceptance ?Hi All? I have an offer of a gift to end IVA early. Do I have much chance of acceptance ? (by: Foggy) 11 982
Hi My IVA has been passed but I have some doubts about signing chairmans reportHi My IVA has been passed but I have some doubts about signing chairmans report (by: Arek) 5 770
first year review.first year review. (by: relieved33) 5 573
Told that I will have to pay a 7th year. Bright light at the end of the tunnel is dimming fast.Told that I will have to pay a 7th year. Bright light at the end of the tunnel is dimming fast. (by: Til) 24 2570
One year on....One year on.... (by: Christabellesparkle) 11 1077
Validity of car accident claim questioned and charging order issuedValidity of car accident claim questioned and charging order issued (by: Sarah Jolly) 5 1980
My IP has increased my payments now that my benefits have increased. Is this permitted ?My IP has increased my payments now that my benefits have increased. Is this permitted ? (by: Michael Peoples) 3 633
Finished IVA payments last October with DFD. Any advice on what to do to get certificate ?Finished IVA payments last October with DFD. Any advice on what to do to get certificate ? (by: luluj) 2 729
Do I have to inform my employer if I go bankrupt or into an IVA ?Do I have to inform my employer if I go bankrupt or into an IVA ? (by: seagulls) 3 703
What are the advantages and disadvantages of an IVA or bankruptcy ?What are the advantages and disadvantages of an IVA or bankruptcy ? (by: sponge) 3 707
My 6 years are up today, told I would receive certificate by now. What can I do ?My 6 years are up today, told I would receive certificate by now. What can I do ? (by: Croydon lady) 10 769
Any opinions about gopher money IVA ?Any opinions about gopher money IVA ? (by: Foggy) 4 755
My husband is bankrupt, yet trustee discussed him making an offer to buy trustees interestMy husband is bankrupt, yet trustee discussed him making an offer to buy trustees interest (by: Brigid.g) 1 439
Change of Mortgage productChange of Mortgage product (by: Michael Peoples) 4 597
Cross cross cross!Cross cross cross! (by: lesley) 4 932
Equity releasePersonal loan!Equity releasePersonal loan! (by: TzeKin) 9 1539
Privacy concernsPrivacy concerns (by: Foggy) 3 811
Will IVA affect UK citizenship ?Will IVA affect UK citizenship ? (by: Michael Peoples) 2 694
Can I apply for an IVA while unemployed studying with partner covering monthly payments ?Can I apply for an IVA while unemployed studying with partner covering monthly payments ? (by: Michael Peoples) 3 668
Am struggling on Financial and my creditors worrying me all the timeAm struggling on Financial and my creditors worrying me all the time (by: Michael Peoples) 2 662
😄😄 (by: welshwiz) 5 913
DFD TextsDFD Texts (by: luluj) 6 758
My deceased husband stopped paying our joint IVA without my knowledge.My deceased husband stopped paying our joint IVA without my knowledge. (by: luluj) 3 803
Under what circumstances would creditors accept whats been paid already as a F&F settlement ?Under what circumstances would creditors accept whats been paid already as a F&F settlement ? (by: Foggy) 2 719
Mortgage in PrincipalMortgage in Principal (by: Irishrams) 116 25327
A bit fed up of waitingA bit fed up of waiting (by: lesley) 4 765
Does Tesco accept people with IVAs ?Does Tesco accept people with IVAs ? (by: TzeKin) 9 1681
month 54 Vs month 60  equitymonth 54 Vs month 60 equity (by: scoobydooby) 3 725
Property equity releaseProperty equity release (by: Michael Peoples) 8 1088
Hi, this is getting more stressful than before the IVA with PayPlan. Need a payment break.Hi, this is getting more stressful than before the IVA with PayPlan. Need a payment break. (by: Michael Peoples) 12 880
IVA in husbands name,  if i get made redundant will they want the redundancy money ?IVA in husbands name, if i get made redundant will they want the redundancy money ? (by: Andy Davie) 3 842
Is it possible to put house on the market and wait for CC before exchanging contracts ?Is it possible to put house on the market and wait for CC before exchanging contracts ? (by: luluj) 4 834
Freehold land and property paymentFreehold land and property payment (by: Michael Peoples) 2 800
10 months from completing IVA, NRAM moving mortgage from IO to repayment.10 months from completing IVA, NRAM moving mortgage from IO to repayment. (by: Michael Peoples) 10 3111
Will it be better to sell house before starting an IVA ?Will it be better to sell house before starting an IVA ? (by: Michael Peoples) 5 955
I am paying back 100p in the pound.  Do I still need to release equity ?I am paying back 100p in the pound. Do I still need to release equity ? (by: Michael Peoples) 11 1243
Help with Month 54 Question PleaseHelp with Month 54 Question Please (by: vlc1507) 4 998
Any advice greatly appreciated about the equity outcome of selling property.Any advice greatly appreciated about the equity outcome of selling property. (by: Michael Peoples) 4 1057
What are my options if creditors dont agree there is no equity ?What are my options if creditors dont agree there is no equity ? (by: Andy Davie) 3 669
PPI. Used to pay off outstanding debt or to go towards creditors original 5 year agreement ?PPI. Used to pay off outstanding debt or to go towards creditors original 5 year agreement ? (by: Andy Davie) 5 849
Received certificate September 2013. Looking to remortgage to include secured loan.Received certificate September 2013. Looking to remortgage to include secured loan. (by: Ryan) 4 821
Am I paying too much?Am I paying too much? (by: Foggy) 8 966
With PPI money most creditors have been repaid100%.  Is this more favourable for future credit ?With PPI money most creditors have been repaid100%. Is this more favourable for future credit ? (by: Foggy) 3 851
Is this an excessive amount of fees and interest to have to pay in order to complete early ?Is this an excessive amount of fees and interest to have to pay in order to complete early ? (by: Foggy) 5 877
Credit reports after IVA completedCredit reports after IVA completed (by: TzeKin) 5 909
We paid our IVA off with a F&F payment last October. When will our credit be OK ?We paid our IVA off with a F&F payment last October. When will our credit be OK ? (by: TzeKin) 3 833
What exactly does bound by the terms until we receive the closure certificate mean for us ?What exactly does bound by the terms until we receive the closure certificate mean for us ? (by: Sarah Jolly) 12 1447
Ryan and team achieve peoples dreams!Ryan and team achieve peoples dreams! (by: Ryan) 10 2839
Would it be better if I cancelled my IVA and payed creditors in full if parents gift money ?Would it be better if I cancelled my IVA and payed creditors in full if parents gift money ? (by: Andy Davie) 6 1258
Where can i apply for a mortgageWhere can i apply for a mortgage (by: luluj) 6 1139
vanquis credit cardvanquis credit card (by: lesley) 13 1582
Feeling I have no choice but to allow IVA to failFeeling I have no choice but to allow IVA to fail (by: Rob.97) 3 1437
Hi all....my IVA will take 85% of my equity. Will my relocation costs be taken into consideration ?Hi all....my IVA will take 85% of my equity. Will my relocation costs be taken into consideration ? (by: seagulls) 2 902
I have been assured by GT that my IVA has been fully concluded. Can I pursue PPI claim ?I have been assured by GT that my IVA has been fully concluded. Can I pursue PPI claim ? (by: Foggy) 2 951
Wondering if anyone has upgraded existing Orange account with EE successfully ?Wondering if anyone has upgraded existing Orange account with EE successfully ? (by: Karen.tr) 6 993
My husband is looking into going on an IVA plan. Would my assets be taken into account ?My husband is looking into going on an IVA plan. Would my assets be taken into account ? (by: Jill.r) 11 1241
My friend is utterly distraught and terrified as to what will happen about sons inheritance.My friend is utterly distraught and terrified as to what will happen about sons inheritance. (by: lesley) 4 1291
Annual review GTAnnual review GT (by: lesley) 5 1148
Am I compelled to complete another financial assessment after my IVA with GT finishes ?Am I compelled to complete another financial assessment after my IVA with GT finishes ? (by: lesley) 4 1097
I only signed for a 5 year IVA contract.   Can they now say I have to pay for another year ?I only signed for a 5 year IVA contract. Can they now say I have to pay for another year ? (by: lesley) 5 1228
Hi, I am with Mel teams.  How many copies of bank statements etc.  will I need for review ?Hi, I am with Mel teams. How many copies of bank statements etc. will I need for review ? (by: lesley) 4 1438
Business bank accountBusiness bank account (by: UpToMyNeckInIt) 5 1240
As our life insurance has been excluded from IVA, will we need to inform IP of maturity value ?As our life insurance has been excluded from IVA, will we need to inform IP of maturity value ? (by: Michael Peoples) 4 1105
IVA for the selfemployedIVA for the selfemployed (by: Michael Peoples) 5 1428
My IVA  is about to finish and I need to release some equityMy IVA is about to finish and I need to release some equity (by: Michael Peoples) 3 1073
Am I now covered by the new modification protocol after signing ?Am I now covered by the new modification protocol after signing ? (by: Michael Peoples) 2 901
Would I be able to take advantage of car lease scheme at work ?Would I be able to take advantage of car lease scheme at work ? (by: Foggy) 7 1062
Bank cardBank card (by: lesley) 4 1010
Hihow long after an iva as finished ie 6years afHihow long after an iva as finished ie 6years af (by: Foggy) 2 1041
Words of Thanks and a QuestionWords of Thanks and a Question (by: luluj) 10 2266
WorriedWorried (by: kazzafunk) 5 1196
Credit Card or loan to increase credit rating?!Credit Card or loan to increase credit rating?! (by: sponge) 11 1582
Surely I should have been told that I owed extra money at yearly reviews ?Surely I should have been told that I owed extra money at yearly reviews ? (by: Foggy) 3 1214
Why?Why? (by: Foggy) 2 1244
Anything I can do to get a mortgage ? IVA entered 2011, now paid off.Anything I can do to get a mortgage ? IVA entered 2011, now paid off. (by: luluj) 4 1244
My husband completed his IVA and received his certificate. When can we remortgage ?My husband completed his IVA and received his certificate. When can we remortgage ? (by: Foggy) 2 1111
IVA failed, what nowIVA failed, what now (by: Freeman Jones) 11 1810
How would new situation be assessed on my IVA ?How would new situation be assessed on my IVA ? (by: Foggy) 8 2217
PPI claim relevant to loan AFTER IVA finished 12 years ago payable to trustee ? Please helpPPI claim relevant to loan AFTER IVA finished 12 years ago payable to trustee ? Please help (by: Foggy) 2 1292
Redundancy paymentRedundancy payment (by: Andy Davie) 2 1214
Completion Certificate  DFDCompletion Certificate DFD (by: Random Lady) 24 4909
We finished our IVA 2 years ago, when will it come off our credit file ?We finished our IVA 2 years ago, when will it come off our credit file ? (by: luluj) 3 1230
Very confused and worried that proposal will be rejected.Very confused and worried that proposal will be rejected. (by: Struzzo39) 2 1209
Wondering how to speed up getting completion certificate. Finished paying +16 months agoWondering how to speed up getting completion certificate. Finished paying +16 months ago (by: Sharon.10) 4 1172
Hi. I completed my IVA in may 2012. Where do I stand in claiming back any PPI ?Hi. I completed my IVA in may 2012. Where do I stand in claiming back any PPI ? (by: relieved33) 2 1129
Experian credit reportExperian credit report (by: TzeKin) 6 1276
2014 protocol and equity2014 protocol and equity (by: Chrisdn88) 1 690
Can I enter salary sacrifice scheme for a car? Current car requires repairs which outweigh value.Can I enter salary sacrifice scheme for a car? Current car requires repairs which outweigh value. (by: size5) 4 1269
Calculating yieldCalculating yield (by: downandout) 16 1625
Hi Judith Anderton. My IVA finished in April 2013. Called repeatedly but no certificate.Hi Judith Anderton. My IVA finished in April 2013. Called repeatedly but no certificate. (by: Evette Everest) 6 1309
Right, I completed my IVA October 2011 with GT and its still not closed.Right, I completed my IVA October 2011 with GT and its still not closed. (by: Goosed) 5 1264
Freeman Jones  BewareFreeman Jones Beware (by: KTC14) 10 1716

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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.