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Top 150 Debt Questions from the IVA Forum
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TitlePostsViews
Budget allowancesBudget allowances (by: Foggy) 13 398
I did not disclose earnings during payment break. Now looking for adviceI did not disclose earnings during payment break. Now looking for advice (by: Foggy) 36 1418
Looking for advice about selling property while in an IVALooking for advice about selling property while in an IVA (by: luluj) 3 87
Do you think creditors will agree to my brothers offer to pay off IVA early ?Do you think creditors will agree to my brothers offer to pay off IVA early ? (by: luluj) 4 107
3rd year review3rd year review (by: lesley) 8 1125
PPIPPI (by: Foggy) 2 81
Am I within my rights to say no to a home visit for my annual review ?Am I within my rights to say no to a home visit for my annual review ? (by: linrog) 22 1081
Is IVA or Bankruptcy the best solution?Is IVA or Bankruptcy the best solution? (by: Foggy) 5 91
As I have been sold on I would prefer advice about accident compensation before contacting IVAAs I have been sold on I would prefer advice about accident compensation before contacting IVA (by: ridingthestorm) 9 211
Completion Certificate Received todayCompletion Certificate Received today (by: luluj) 24 1329
I am finding the expenditurs guidelines, which my IVA are apparently sticking to, are lowI am finding the expenditurs guidelines, which my IVA are apparently sticking to, are low (by: Jason. j) 4 189
Additional overtime paymentAdditional overtime payment (by: Foggy) 5 162
I have just had a visit this week from a rep. from Creditfix.I have just had a visit this week from a rep. from Creditfix. (by: CreditKing) 10 367
Told completion wont go ahead with out signing the deed of assignment form which I refuse to signTold completion wont go ahead with out signing the deed of assignment form which I refuse to sign (by: Jeffrey.d) 16 627
Thoughts please on NRAMs stance. They are wanting 7 years for IVA if no equityThoughts please on NRAMs stance. They are wanting 7 years for IVA if no equity (by: Michael Peoples) 2 139
Message from Creditfix to PGJ ClientsMessage from Creditfix to PGJ Clients (by: hubert) 6 1336
Moving abroad.  Would this qualify for a payment break ?Moving abroad. Would this qualify for a payment break ? (by: Michael Peoples) 4 177
Car loanCar loan (by: lesley) 5 298
Waiting since June 2012 for overpayment to be refunded to us from GTWaiting since June 2012 for overpayment to be refunded to us from GT (by: strummer65) 3 176
pensionpension (by: Foggy) 2 194
Creditfix say it will cost 2 monthly charges up front.  Can I cancel ?Creditfix say it will cost 2 monthly charges up front. Can I cancel ? (by: hubert) 33 1125
Hi, Im new to the forum. Would it be possible to agree a lump sum offer from my pension?Hi, Im new to the forum. Would it be possible to agree a lump sum offer from my pension? (by: Foggy) 11 362
F and F offerF and F offer (by: Steve.123) 4 274
Help.. Not sure where we stand!Help.. Not sure where we stand! (by: Foggy) 8 453
Will I be able to get a mortgage?  IVA completed about 3 years ago.Will I be able to get a mortgage? IVA completed about 3 years ago. (by: Lee.12) 12 434
Can a contingent creditor be added to IVA ?Can a contingent creditor be added to IVA ? (by: Michael Peoples) 3 209
Is it a good idea to send  chairmans report to prove IVA ?Is it a good idea to send chairmans report to prove IVA ? (by: ilikewatch) 3 224
How long can terms be extended ?How long can terms be extended ? (by: Foggy) 2 195
Can IVA be extended if income increases ?Can IVA be extended if income increases ? (by: Foggy) 2 225
Creditors meetingCreditors meeting (by: Foggy) 2 200
Landlord refuses to disclaim my lease but has accepted IVA proposal.Landlord refuses to disclaim my lease but has accepted IVA proposal. (by: Michael Peoples) 2 256
PJG to Creditfix  IVA CompletionPJG to Creditfix IVA Completion (by: Cleo76) 6 451
Review has doubled my payments. I am considering bankruptcy.Review has doubled my payments. I am considering bankruptcy. (by: hubert) 3 338
Since August 4th nobody has been abe to find my over paid money.Since August 4th nobody has been abe to find my over paid money. (by: Foggy) 3 265
PJGPJG (by: recovering) 416 24190
Almost nearly there!Almost nearly there! (by: ontheroad) 6 484
BonusBonus (by: bobbydavro) 16 872
Are there rules that IVA companies must follow ?Are there rules that IVA companies must follow ? (by: Foggy) 5 329
I now have th change DDs. Is it going to be the nightmare I suspect it might be ?I now have th change DDs. Is it going to be the nightmare I suspect it might be ? (by: hubert) 11 492
Declined for Santander Joint AccountDeclined for Santander Joint Account (by: lesley) 8 514
Equity Release?Equity Release? (by: Carl.ph) 6 373
PPI delaysPPI delays (by: saltyseaplumbs) 4 2675
HiI have been informed that someone who owes me money has attempted to set up an IVAHiI have been informed that someone who owes me money has attempted to set up an IVA (by: Michael Peoples) 2 340
If I enter into an IVA will I still be able to keep trading ?If I enter into an IVA will I still be able to keep trading ? (by: Foggy) 3 305
Can the current years Council tax be included in an IVA ?Can the current years Council tax be included in an IVA ? (by: Foggy) 3 299
How do I get myself a new home and furnish it ? I have recently split from husbandHow do I get myself a new home and furnish it ? I have recently split from husband (by: Michael Peoples) 2 267
Decalring umpaid monies in IVADecalring umpaid monies in IVA (by: Michael Peoples) 2 332
My IVA has been extended for 12 months. This not mentioned in any documents.My IVA has been extended for 12 months. This not mentioned in any documents. (by: Foggy) 3 371
Providing we keep up the IVA payments, do you forsee any problems with our plans ?Providing we keep up the IVA payments, do you forsee any problems with our plans ? (by: Michael Peoples) 3 421
We have been on a pay break to sell house but it hasnt sold. Any advice please?We have been on a pay break to sell house but it hasnt sold. Any advice please? (by: Foggy) 2 288
Can I get my money back from my old bank account which has been frozen ?Can I get my money back from my old bank account which has been frozen ? (by: Foggy) 2 326
Im a little confused about remortgaging for equityIm a little confused about remortgaging for equity (by: Foggy) 2 373
We are desperate to buy a house. IVA finally closed 31st October.We are desperate to buy a house. IVA finally closed 31st October. (by: Ryan) 4 363
Enforcement of judgements letterEnforcement of judgements letter (by: susan.t) 12 965
Banking with an old creditorBanking with an old creditor (by: Pingu) 12 737
DFD Closure ProcessDFD Closure Process (by: Foggy) 22 3827
Why does our credit report show IVA as active when last payment was 2 years ago ?Why does our credit report show IVA as active when last payment was 2 years ago ? (by: Foggy) 3 400
VanquisVanquis (by: Foggy) 11 666
Surely PPI money should be deducted from the total ?Surely PPI money should be deducted from the total ? (by: Foggy) 4 395
My other half has just had a full and final offer rejected. Any advice would be appreciatedMy other half has just had a full and final offer rejected. Any advice would be appreciated (by: Steven Hewitt) 3 581
Can anyone advise where I can go to try and get my mortgage payments down ?Can anyone advise where I can go to try and get my mortgage payments down ? (by: bridgey) 3 379
New Job and IVANew Job and IVA (by: Michael Peoples) 6 446
Wondering if our extra payments could be cancelled because of large amounts of PPI ?Wondering if our extra payments could be cancelled because of large amounts of PPI ? (by: Radish) 6 489
Hi, A question about how HMRC debts are treated in IVAHi, A question about how HMRC debts are treated in IVA (by: Michael Peoples) 2 416
Hi, I was wandering what the acceptance rate is with an IVAHi, I was wandering what the acceptance rate is with an IVA (by: Michael Peoples) 6 473
How do I rectify breach due to another person taking out hp on my behalf ?How do I rectify breach due to another person taking out hp on my behalf ? (by: Foggy) 3 439
IVA is in my name only. Does my husband get to keep any of his increased earnings ?IVA is in my name only. Does my husband get to keep any of his increased earnings ? (by: Sarahd7869) 7 463
Can any creditor put a charge on against my house as well as the IVA ?Can any creditor put a charge on against my house as well as the IVA ? (by: Foggy) 3 352
Wording a letter in the correct way for a full and final offer ?Wording a letter in the correct way for a full and final offer ? (by: Foggy) 3 421
No contact from GTNo contact from GT (by: Lollipop) 10 1558
Defaults?Defaults? (by: Foggy) 9 399
I am in an IVA, would I be allowed a Very catalogue ?I am in an IVA, would I be allowed a Very catalogue ? (by: country girl) 8 664
I have just made a full and final offer. What are the chances of this being accepted ?I have just made a full and final offer. What are the chances of this being accepted ? (by: kazzafunk) 5 467
Why are DID still wanting me to sign PPI forms ? i have just paid off my IVA early.Why are DID still wanting me to sign PPI forms ? i have just paid off my IVA early. (by: Foggy) 2 400
Can I get out of my IVA ?Can I get out of my IVA ? (by: Foggy) 2 440
Personal Injury ClaimPersonal Injury Claim (by: kazzafunk) 4 518
I am feeling deflated. Have certificate yet told we still cant get credit 7 years later.I am feeling deflated. Have certificate yet told we still cant get credit 7 years later. (by: Foggy) 6 634
How do I ensure that my details are removed from my credit file after the 6 years are up ?How do I ensure that my details are removed from my credit file after the 6 years are up ? (by: Foggy) 3 489
Waiting for completion with DFD after 2 yrsWaiting for completion with DFD after 2 yrs (by: Foggy) 11 588
I am desperate to get a mortgageI am desperate to get a mortgage (by: lesley) 7 608
Hi, how much of your disposable income is DFD allowed to take ?Hi, how much of your disposable income is DFD allowed to take ? (by: Evette Everest) 7 816
Substantial Pay DropSubstantial Pay Drop (by: Michael Peoples) 6 676
Should fuel costs and reductions in tax credits be taken in consideration ?Should fuel costs and reductions in tax credits be taken in consideration ? (by: Michael Peoples) 6 719
My IVA finished after 5 years. Will the hold on house sale last 6 years still ?My IVA finished after 5 years. Will the hold on house sale last 6 years still ? (by: Andy Davie) 3 475
Grant Thornton... completion certificate???Grant Thornton... completion certificate??? (by: lesley) 4 611
Intresting PPI issueIntresting PPI issue (by: jimi1) 5 647
4 months and in trouble.4 months and in trouble. (by: bobbydavro) 10 1240
Is this a realistic full and final offer ?Is this a realistic full and final offer ? (by: Foggy) 5 581
in a joint mortgage, do both parties qualify for deminimis over 85% of house value ?in a joint mortgage, do both parties qualify for deminimis over 85% of house value ? (by: esgt1967) 4 577
I have just received a payment from an IVA. Am I entitled to interest ?I have just received a payment from an IVA. Am I entitled to interest ? (by: Foggy) 2 552
Do I have to declare shares given as a bonus to share in companies success ?Do I have to declare shares given as a bonus to share in companies success ? (by: kazzafunk) 5 613
A creditor has been defaulting me on a monthly basis. How should I sort this out ?A creditor has been defaulting me on a monthly basis. How should I sort this out ? (by: beaumontblu) 20 796
Positive post re DFDPositive post re DFD (by: TzeKin) 6 740
if I pay balance directly with creditors, can I get a mortgage ?if I pay balance directly with creditors, can I get a mortgage ? (by: Foggy) 4 434
Concerned that Step change advise us to pay creditors until the IVA has been approved.Concerned that Step change advise us to pay creditors until the IVA has been approved. (by: Foggy) 9 1397
I Have only ever received one annuaal review.  I have been in an IVA for 5 years next August.I Have only ever received one annuaal review. I have been in an IVA for 5 years next August. (by: plasticdaft) 3 740
Year 4 and my husband has just lost his job. What will this mean for us ?Year 4 and my husband has just lost his job. What will this mean for us ? (by: plasticdaft) 4 826
Is it correct that money available but actually left in the pension pot is not a windfall ?Is it correct that money available but actually left in the pension pot is not a windfall ? (by: plasticdaft) 4 729
Still no completion!Still no completion! (by: Nichola.70) 5 595
I would like to offer my annual bonus towards a full and final offer.I would like to offer my annual bonus towards a full and final offer. (by: plasticdaft) 3 700
Can you get al life time mortgage if you have an IVA ?Can you get al life time mortgage if you have an IVA ? (by: Foggy) 2 683
Can I leave my IVA and arrange a payment plan direct with my creditors ?Can I leave my IVA and arrange a payment plan direct with my creditors ? (by: Foggy) 4 716
Another yearAnother year (by: plasticdaft) 5 906
Can a matured mortgage balance be included in an IVA?Can a matured mortgage balance be included in an IVA? (by: Michael Peoples) 2 656
What are the chances of getting a mortgage ?What are the chances of getting a mortgage ? (by: Ryan) 4 751
Last Annual review has come back.Last Annual review has come back. (by: sharky980) 7 1000
I have not got this years p60 or last months payslip. Will this affect my review ?I have not got this years p60 or last months payslip. Will this affect my review ? (by: Foggy) 3 778
Is it possible to change an Insolvency practitioner ?Is it possible to change an Insolvency practitioner ? (by: Foggy) 4 768
Can DFD inrease my payments when I have paid 100 % back ?Can DFD inrease my payments when I have paid 100 % back ? (by: Foggy) 3 776
I am concerned that I may lose my house.I am concerned that I may lose my house. (by: Foggy) 3 736
Hello, wondering why Ive just received a Power of Attorney letterHello, wondering why Ive just received a Power of Attorney letter (by: Foggy) 2 659
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: Croydon lady) 24 2985
Do you have to declare inherited money ?Do you have to declare inherited money ? (by: Foggy) 4 772
Hi, I have a guarantor loan, which I no longer can no longer payHi, I have a guarantor loan, which I no longer can no longer pay (by: Steve Rees) 3 745
Secured loan questionSecured loan question (by: Shaun Vickery) 14 1088
Is there any chance of successfully appealing monthly payments ?Is there any chance of successfully appealing monthly payments ? (by: Michael Peoples) 2 802
Can part of my small lump sum pension be taken when I retire ?Can part of my small lump sum pension be taken when I retire ? (by: Foggy) 2 639
Hi all  We have just had our f&f accepted, how long should we wait before selling house ?Hi all We have just had our f&f accepted, how long should we wait before selling house ? (by: Foggy) 2 755
I work for an insurance company who are FSA, will I get the sack if I take out an IVA ?I work for an insurance company who are FSA, will I get the sack if I take out an IVA ? (by: hubert) 6 920
PPI offset post IVA CompletionPPI offset post IVA Completion (by: Michael Peoples) 6 848
How long can agreement last for after final payment made ?How long can agreement last for after final payment made ? (by: Foggy) 3 836
Is it allowed to get a car on finance ?Is it allowed to get a car on finance ? (by: bridgey) 4 818
I have been called the lead name and creditor keeping all funds from refund on joint account.I have been called the lead name and creditor keeping all funds from refund on joint account. (by: Foggy) 3 778
Final Year ReviewFinal Year Review (by: Michael Peoples) 2 841
No longer afford to pay quarantor loan, quarantor has included it in IVA. I am being chased for it.No longer afford to pay quarantor loan, quarantor has included it in IVA. I am being chased for it. (by: Michael Peoples) 2 783
Can Spouse gain creditCan Spouse gain credit (by: longroad2freedom) 8 924
Creditor is threatening to bankrupt me. What is the best course of action ?Creditor is threatening to bankrupt me. What is the best course of action ? (by: Michael Peoples) 4 891
If I come into money will I have to pay the remainder of current agreement or original debt ?If I come into money will I have to pay the remainder of current agreement or original debt ? (by: luluj) 3 854
Applying for a joint mortgage ?Applying for a joint mortgage ? (by: luluj) 3 810
I emailed Evette Everest yesterday. Just wondering if she has received my email ?I emailed Evette Everest yesterday. Just wondering if she has received my email ? (by: luluj) 6 935
Payplan IP changes figures to suit guidelines. What allowances am I able to claim ?Payplan IP changes figures to suit guidelines. What allowances am I able to claim ? (by: abbiesmum2003) 6 1050
Arrears. I should have to pay the value of missed payments, not at current level ?Arrears. I should have to pay the value of missed payments, not at current level ? (by: relieved33) 9 999
I have become slightly unnerved reading about issues encountered when nearing the end.I have become slightly unnerved reading about issues encountered when nearing the end. (by: Foggy) 21 1247
Is it also against IVA ruling to get a student loan ?Is it also against IVA ruling to get a student loan ? (by: Michael Peoples) 2 823
I owe the tax man a lot of money and have nothing. Will an IVA help me ?I owe the tax man a lot of money and have nothing. Will an IVA help me ? (by: Michael Peoples) 3 865
Creditors meeting date & questionCreditors meeting date & question (by: Michael Peoples) 7 963
If I succeed in getting child maintenance through CSA, will some or all of it go into IVA ?If I succeed in getting child maintenance through CSA, will some or all of it go into IVA ? (by: Michael Peoples) 3 779
Presumed IVA was finished when it was paid off 2 years ago. Now asked for expenditure details.Presumed IVA was finished when it was paid off 2 years ago. Now asked for expenditure details. (by: Foggy) 5 933
Concerned that I could be homeless after selling my house.Concerned that I could be homeless after selling my house. (by: djrocco) 3 835
How will a divorce effect an IVA which is being paid equally by both parties ?How will a divorce effect an IVA which is being paid equally by both parties ? (by: Foggy) 2 804
Now unemployed.  Can I apply for a DRO ? My circumstances are unlikely to improve.Now unemployed. Can I apply for a DRO ? My circumstances are unlikely to improve. (by: Foggy) 2 794
I feel a bit in limbo, having made my final payment, but not having my certificate yetI feel a bit in limbo, having made my final payment, but not having my certificate yet (by: Gemma.cw) 14 1205
Cleardebt have been taking legal advice about PPI for 2 years ? Is there an answer to this ?Cleardebt have been taking legal advice about PPI for 2 years ? Is there an answer to this ? (by: Foggy) 2 855
We have recently split up.  If my wife gets an IVA will it effect my income ?We have recently split up. If my wife gets an IVA will it effect my income ? (by: Foggy) 3 839
Last IVA payment on september 2013. Why is DFD now wanting another set of paperwork ?Last IVA payment on september 2013. Why is DFD now wanting another set of paperwork ? (by: Evette Everest) 2 852
Is it legal for someone in an IVA to be the executer of a will ?Is it legal for someone in an IVA to be the executer of a will ? (by: luluj) 3 908
When the IVA disappears from my credit report, will it get recorded elsewhere ?When the IVA disappears from my credit report, will it get recorded elsewhere ? (by: Foggy) 6 1010
If my wife has an IVA, can we sell our house which is in joint names ?If my wife has an IVA, can we sell our house which is in joint names ? (by: Foggy) 2 868
Rebuilding credit historyRebuilding credit history (by: hubert) 8 1169
IVA is now over and I am looking for a car loan at a reasonable rateIVA is now over and I am looking for a car loan at a reasonable rate (by: luluj) 4 1102

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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.