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Top 150 Debt Questions from the IVA Forum
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TitlePostsViews
I have recently run into a situation  I never expectedI have recently run into a situation I never expected (by: lesley) 4 167
My mum was paying an IVA but sadly passed away recently. What happens to her life insurance ?My mum was paying an IVA but sadly passed away recently. What happens to her life insurance ? (by: relieved33) 13 338
Can fiancees IVA touch or have any right to our joint savings account ?Can fiancees IVA touch or have any right to our joint savings account ? (by: relieved33) 7 391
Can I add my bank account fees to my expenditure ?Can I add my bank account fees to my expenditure ? (by: lesley) 5 425
Full & Final Suggested AmountFull & Final Suggested Amount (by: kallis3) 6 190
Insolvency RegisterInsolvency Register (by: NMC) 19 871
House EquityHouse Equity (by: Foggy) 11 659
100p being paid to IVA creditors but not not a penny refund to debtor.  Is this normal ?100p being paid to IVA creditors but not not a penny refund to debtor. Is this normal ? (by: kallis3) 2 360
Can I include tobacco as a expense in my IVA ?Can I include tobacco as a expense in my IVA ? (by: Michelled0422) 4 505
If I am successful in suing my ex employer, can I keep the money to buy the new taxi I need ?If I am successful in suing my ex employer, can I keep the money to buy the new taxi I need ? (by: lesley) 2 404
Will the referendum change anything?Will the referendum change anything? (by: Imhotep) 8 1071
Will it affect getting a mortgage in the future if we sell and rent now after completing IVA early ?Will it affect getting a mortgage in the future if we sell and rent now after completing IVA early ? (by: Foggy) 3 468
Hi there. We have completed our IVA after 21 months. Now looking for a mortgage.Hi there. We have completed our IVA after 21 months. Now looking for a mortgage. (by: Lisa Thomas) 2 469
Interest only mortgageInterest only mortgage (by: Foggy) 21 1740
An updateAn update (by: PayPlan rep) 19 1737
I was not told about releasing equity when I went on the IVAI was not told about releasing equity when I went on the IVA (by: Foggy) 4 573
New questions about  Equity release.New questions about Equity release. (by: Lisa Thomas) 3 555
Im not sure what is the best option for me.Im not sure what is the best option for me. (by: Lisa Thomas) 3 538
Message for Admin re user name change.Message for Admin re user name change. (by: Piglet71) 6 710
PPI ConundrumPPI Conundrum (by: Sheila.pl) 5 748
Hi, just an updateHi, just an update (by: Lisa Thomas) 10 1607
Thank you everyone for your support.Thank you everyone for your support. (by: Foggy) 4 626
Is it correct that we cant sell our property and keep the equity until our CC has arrived ?Is it correct that we cant sell our property and keep the equity until our CC has arrived ? (by: moneytree) 10 1896
Done!Done! (by: kallis3) 15 778
Does an IVA fail immediatly on death ?Does an IVA fail immediatly on death ? (by: kallis3) 4 567
What happens when creditors do not claim at the beginning of an IVA  which ultimately failed.What happens when creditors do not claim at the beginning of an IVA which ultimately failed. (by: Lisa Thomas) 2 497
Is there a timescale for F&F settlements ? What is required from me to avoid further hold ups ?Is there a timescale for F&F settlements ? What is required from me to avoid further hold ups ? (by: Lisa Thomas) 29 3295
Finished IVA June, 2015 after two and a half years. Where can I check my credit report ?Finished IVA June, 2015 after two and a half years. Where can I check my credit report ? (by: Foggy) 4 514
If Im not happy with my IVA company could I change to another company ?If Im not happy with my IVA company could I change to another company ? (by: Lisa Thomas) 3 503
Hello, I sold my house, need money to pay bills and rent. Can IVA take all the money ?Hello, I sold my house, need money to pay bills and rent. Can IVA take all the money ? (by: Lisa Thomas) 2 482
IVA completed years ago but still causing problemsIVA completed years ago but still causing problems (by: Lucinda123) 10 800
Ive had a notice of completion from pay plan even though I stopped payments February 2016Ive had a notice of completion from pay plan even though I stopped payments February 2016 (by: Lisa Thomas) 4 588
Will my partner have to pay any redundancy money she receives into my IVA ?Will my partner have to pay any redundancy money she receives into my IVA ? (by: Lisa Thomas) 3 553
IP contact detailsIP contact details (by: Lisa Thomas) 3 599
My IVA is finishing in September this year. How long will the RX1 stay on file after this ?My IVA is finishing in September this year. How long will the RX1 stay on file after this ? (by: Lisa Thomas) 4 672
If I pay the final settlement figure given to me, will I still have to remortgage ?If I pay the final settlement figure given to me, will I still have to remortgage ? (by: Lisa Thomas) 6 751
I cant stand another week of me and my partner not eating so my children can.I cant stand another week of me and my partner not eating so my children can. (by: Lisa Thomas) 10 1020
Missed payments payment breaks.Missed payments payment breaks. (by: Lisa Thomas) 12 1112
Hi everyone!  I am currently almost 2 years into an IVA and looking for business insuranceHi everyone! I am currently almost 2 years into an IVA and looking for business insurance (by: watzki) 5 665
IVA queryIVA query (by: Lisa Thomas) 9 2561
I used to own a petrol station and shop before major theft. Now facing bankruptcy. Advice please.I used to own a petrol station and shop before major theft. Now facing bankruptcy. Advice please. (by: Lisa Thomas) 4 676
paying back payment breakspaying back payment breaks (by: Foggy) 2 606
Made it!.Made it!. (by: Laura.Harrop) 17 16884
Morning Pepes Ive had my IVA extended for another year. Will it still come off record in 6 years ?Morning Pepes Ive had my IVA extended for another year. Will it still come off record in 6 years ? (by: Lisa Thomas) 3 650
Will I be asked to increase payments to IVA when my wife receives her state pension ?Will I be asked to increase payments to IVA when my wife receives her state pension ? (by: Lisa Thomas) 3 619
Hi I am in final year of IVA.  I have not heard anything about a F&F settlement offered in May.Hi I am in final year of IVA. I have not heard anything about a F&F settlement offered in May. (by: Lisa Thomas) 2 574
My ex husband and I split.   Is it legal for him to have an IVA without me signing anything ?My ex husband and I split. Is it legal for him to have an IVA without me signing anything ? (by: Lisa Thomas) 4 692
Good news ! 2 weeks ago we paid the agree amount in lieu of equity, now received our CC !Good news ! 2 weeks ago we paid the agree amount in lieu of equity, now received our CC ! (by: moneytree) 8 967
I can finally say that Im now debt free!! Harrington Brooks have been excellent. Massive relief.I can finally say that Im now debt free!! Harrington Brooks have been excellent. Massive relief. (by: Sally1966) 14 1473
CC received!CC received! (by: watzki) 10 799
No phone call after creditors meeting on the 17th June. Do I take it that there are no problems ?No phone call after creditors meeting on the 17th June. Do I take it that there are no problems ? (by: watzki) 13 1264
Help and AdviceHelp and Advice (by: kallis3) 9 780
Been told PPI payment is just given to creditors and does not reduce amount owed.Been told PPI payment is just given to creditors and does not reduce amount owed. (by: Lisa Thomas) 21 1547
Stitched up BIG timeStitched up BIG time (by: Foggy) 15 1637
C.C received 2012, aiming to return to UK, saving for. mortgage. Any advice welcomeC.C received 2012, aiming to return to UK, saving for. mortgage. Any advice welcome (by: Lisa Thomas) 2 943
Hi Im after the contact details for Ryan at Zebra pleaseHi Im after the contact details for Ryan at Zebra please (by: Foggy) 3 952
How long does it take,  after papers signed, it find out if IVA has been accepted ?How long does it take, after papers signed, it find out if IVA has been accepted ? (by: kallis3) 9 1095
Working in InsolvencyWorking in Insolvency (by: Lisa Thomas) 6 1065
Hello Laura (DFD). Please could you look into info I sent about my husband s  death.Hello Laura (DFD). Please could you look into info I sent about my husband s death. (by: lesley) 254 68796
I would like to sell my propertyI would like to sell my property (by: Lisa Thomas) 6 986
What is my chance of getting a mortgage ?What is my chance of getting a mortgage ? (by: Lisa Thomas) 12 1135
Hi could somebody please advise me as Im really worried about my futureHi could somebody please advise me as Im really worried about my future (by: Garry.d) 68 6275
Can I sell my house to pay off my IVA ?Can I sell my house to pay off my IVA ? (by: Lisa Thomas) 6 948
Hi, I have been offered to go with IVA from a firm who are chasing me 3 times a dayHi, I have been offered to go with IVA from a firm who are chasing me 3 times a day (by: Lisa Thomas) 6 1160
Is it safe now to shredburn all paperwork .We received our CC today.Is it safe now to shredburn all paperwork .We received our CC today. (by: Lisa Thomas) 8 1160
Iva closureIva closure (by: Lisa Thomas) 8 2025
I work within the financial industry, what are the implications of an IVA ?I work within the financial industry, what are the implications of an IVA ? (by: Lisa Thomas) 4 984
I sorted out the PPI so they got the whole lot,  no fees.I sorted out the PPI so they got the whole lot, no fees. (by: Lisa Thomas) 3 1090
I&EI&E (by: Lisa Thomas) 13 1165
Can anybody help !, Im 4 years in and want to sell my house and pay off my IVACan anybody help !, Im 4 years in and want to sell my house and pay off my IVA (by: Lisa Thomas) 4 1057
I am in the position to pay in full my IVA.  Company are talking about secured loan.I am in the position to pay in full my IVA. Company are talking about secured loan. (by: kallis3) 23 3993
Post IVA  the past and future...Post IVA the past and future... (by: Lisa Thomas) 52 9214
Im after some advice.  IVA completed 2011 but unable to sell our house because of restriction.Im after some advice. IVA completed 2011 but unable to sell our house because of restriction. (by: Lisa Thomas) 17 2193
Hi, My wife and I are just about in the final year.  I am about to be made redundant.Hi, My wife and I are just about in the final year. I am about to be made redundant. (by: Lisa Thomas) 17 2600
Harrington Brooks?Harrington Brooks? (by: Lisa Thomas) 42 8209
Defaults with Value  £Defaults with Value £ (by: lesley) 8 1878
Paying off my IVA ?Paying off my IVA ? (by: Kirsty.01) 10 1253
Dear All, Just received CC. I want to thank you for your support you have been my sanity !Dear All, Just received CC. I want to thank you for your support you have been my sanity ! (by: Mont) 19 2541
I need public liability insurance for a sole trader in an IVA.I need public liability insurance for a sole trader in an IVA. (by: watzki) 2 1052
Advice please on changing car to one of a standard required by employers.Advice please on changing car to one of a standard required by employers. (by: Foggy) 3 1051
Can anybody tell me if RBS would credit check to open a savings account ?Can anybody tell me if RBS would credit check to open a savings account ? (by: welshwiz) 4 1278
Mortgage needed: IVA completed in March 2016Mortgage needed: IVA completed in March 2016 (by: Lisa Thomas) 4 1086
Creditfix advise that redundancy payment is a windfall and cannot be used as F&F. Please help !Creditfix advise that redundancy payment is a windfall and cannot be used as F&F. Please help ! (by: Lisa Thomas) 4 1059
Variation meetingVariation meeting (by: Lisa Thomas) 18 3402
At time of review I am employed, what can I claim as allowable living expenses ?At time of review I am employed, what can I claim as allowable living expenses ? (by: kallis3) 2 1005
Experian Credit ReportExperian Credit Report (by: wannabedj) 7 2405
Hello is there anywhere I can get a list of what is allowed for expenditure ?Hello is there anywhere I can get a list of what is allowed for expenditure ? (by: Foggy) 5 1121
IVA & House Sale F&F ProblemIVA & House Sale F&F Problem (by: Lisa Thomas) 10 1057
Savings in an IVA for emergencies. How much am I allowed ?  Can a savings account be set up ?Savings in an IVA for emergencies. How much am I allowed ? Can a savings account be set up ? (by: watzki) 26 2473
Full & final, told I could be bankrupted ??Full & final, told I could be bankrupted ?? (by: kallis3) 11 1269
My review IVA with ClearDebt says I am in arrears, the annual creditors report does not.My review IVA with ClearDebt says I am in arrears, the annual creditors report does not. (by: Lisa Thomas) 8 1436
Hi Im trying to find out about a company called dept free anglesHi Im trying to find out about a company called dept free angles (by: ST1100) 8 1201
I have just got my IVA meeting due for 28th June, petrified it will be declined.I have just got my IVA meeting due for 28th June, petrified it will be declined. (by: Lisa Thomas) 7 1211
income reducedincome reduced (by: Lisa Thomas) 5 962
My friend has a loan and I am her guarantor. What effect will it have if she goes for an IVA ?My friend has a loan and I am her guarantor. What effect will it have if she goes for an IVA ? (by: Lisa Thomas) 4 1330
IVA warningIVA warning (by: Lisa Thomas) 20 1427
I have spoken with an IP company and things going OKI have spoken with an IP company and things going OK (by: lesley) 4 1258
Credit reports  for the hell of it ....Credit reports for the hell of it .... (by: MerlinL14) 9 1502
CCJCCJ (by: mitch2311) 3 1219
I would like to appreciate your hard work in writing this valuable post. Thanks for sharing.I would like to appreciate your hard work in writing this valuable post. Thanks for sharing. (by: kallis3) 2 1216
Im getting a promotion. Will allowance be made for extra travelling expenses ?Im getting a promotion. Will allowance be made for extra travelling expenses ? (by: Rebecca.h) 4 1604
Would like some advice please on seemingly very high F&F settlement figure asked forWould like some advice please on seemingly very high F&F settlement figure asked for (by: kallis3) 4 1277
Mortage after IVA.  Just wanted to share.  There is light at the end of the tunnel.Mortage after IVA. Just wanted to share. There is light at the end of the tunnel. (by: MG12) 6 1290
Do you think this offer has a chance of being accepted ?Do you think this offer has a chance of being accepted ? (by: Lisa Thomas) 14 1333
Hi, if I was made redundant would I have to give redundancy pay out to IVA ?Hi, if I was made redundant would I have to give redundancy pay out to IVA ? (by: Lisa Thomas) 4 1292
Clarity please on the 85% maximum figure for a property valuationClarity please on the 85% maximum figure for a property valuation (by: Lisa Thomas) 3 1235
What affect will company going into administration have on my IVA ?What affect will company going into administration have on my IVA ? (by: size5) 4 1273
Hello,I havent heard anything since being sold onto Creditfix in March 2016. What do I do ?Hello,I havent heard anything since being sold onto Creditfix in March 2016. What do I do ? (by: lesley) 5 1226
My IVA was approved one month after I got a new job.  Will it affect my employment ?My IVA was approved one month after I got a new job. Will it affect my employment ? (by: lesley) 12 1543
I completed my IVA 3 years ago, now offered PPI,  asking for documentation I dont have.I completed my IVA 3 years ago, now offered PPI, asking for documentation I dont have. (by: Foggy) 5 1287
How would it effect my credit, property if I added my partner, who has an IVA, to my mortgage ?How would it effect my credit, property if I added my partner, who has an IVA, to my mortgage ? (by: Foggy) 3 1174
Equity complexityEquity complexity (by: Lisa Thomas) 8 2069
BarclaycardBarclaycard (by: kallis3) 9 1040
Completion CertificateCompletion Certificate (by: kallis3) 20 2515
IVA finished November 2015. IP wont provide CC until I sign PPI document.  Should I sign ?IVA finished November 2015. IP wont provide CC until I sign PPI document. Should I sign ? (by: Lisa Thomas) 5 1352
HelpHelp (by: Lisa Thomas) 4 1321
Annual ReviewAnnual Review (by: Lisa Thomas) 19 3405
Possible final settlement helpPossible final settlement help (by: Lisa Thomas) 21 2609
A creditor advised that they were not included in IVA but paperwork states this debt is included.A creditor advised that they were not included in IVA but paperwork states this debt is included. (by: Lisa Thomas) 6 1369
I am self employed and may wait 2 or 3 years to get paid but tax is paid when fees are submitted.I am self employed and may wait 2 or 3 years to get paid but tax is paid when fees are submitted. (by: Chris55) 5 1359
Sleepless NightsSleepless Nights (by: kallis3) 13 1460
My husband settled his IVA in January as early settlement but mortgage application declined.My husband settled his IVA in January as early settlement but mortgage application declined. (by: Lisa Thomas) 5 1354
My debts and my income are so low I do feel I shouldnt be in an IVA.My debts and my income are so low I do feel I shouldnt be in an IVA. (by: size5) 10 1686
My last payment will be March 2017. Advice please about getting a mortgage in the future.My last payment will be March 2017. Advice please about getting a mortgage in the future. (by: Lisa Thomas) 4 1356
Applying for British Citizenship, asked if I have been bankrupt. I had an IVA 7 years ago.Applying for British Citizenship, asked if I have been bankrupt. I had an IVA 7 years ago. (by: Lisa Thomas) 3 1267
I was supposed to have finished IVA in 2012 but have not received any documentation.I was supposed to have finished IVA in 2012 but have not received any documentation. (by: Lisa Thomas) 3 1314
Looking for a full list of items classed as reasonable expenditure.Looking for a full list of items classed as reasonable expenditure. (by: Lisa Thomas) 4 1289
Temporary overtimeTemporary overtime (by: Lisa Thomas) 4 1234
I am struggling.  The regular overtime that was included as income has finished.I am struggling. The regular overtime that was included as income has finished. (by: Lisa Thomas) 4 1269
Would I be okay to do a 3 year plan IVA ?Would I be okay to do a 3 year plan IVA ? (by: Lisa Thomas) 5 1271
Are we jumping the gun to book our holiday for October. Our last payment was in March.Are we jumping the gun to book our holiday for October. Our last payment was in March. (by: MG12) 21 2872
Is it correct that if  I started my payments in July then my last payment  is June 60 months later ?Is it correct that if I started my payments in July then my last payment is June 60 months later ? (by: Andy.75) 3 1268
I completed my IVA 24th may 2016, what companies are best to approach for a mortgage ?,I completed my IVA 24th may 2016, what companies are best to approach for a mortgage ?, (by: luluj) 16 1531
We rely on keeping tax rebate and worried that we will have to hand it over to IVAWe rely on keeping tax rebate and worried that we will have to hand it over to IVA (by: Julie.h) 3 1235
equityequity (by: abbiesmum2003) 12 1420
Am I likely to get any refund ?Am I likely to get any refund ? (by: kallis3) 4 1393
We are in the final 6 months of our IVA, stressed and looking for advice about remortgage.We are in the final 6 months of our IVA, stressed and looking for advice about remortgage. (by: Lisa Thomas) 4 1246
Full and Final RulesFull and Final Rules (by: kallis3) 8 1313
queryquery (by: Lisa Thomas) 4 1346
If I am on an IVA, can I transfer to a DMP ?If I am on an IVA, can I transfer to a DMP ? (by: Lisa Thomas) 6 1529
Can we move to a house big enough for our 3 children ?Can we move to a house big enough for our 3 children ? (by: Lisa Thomas) 6 1605
Thanks for replies from previous question, I feel like IVA is never going to end. ImThanks for replies from previous question, I feel like IVA is never going to end. Im (by: Lisa Thomas) 5 1624
Started IVA with PayPlan September 2010, settled early. How can I rectify defaults ?Started IVA with PayPlan September 2010, settled early. How can I rectify defaults ? (by: Lisa Thomas) 4 1620
Getting stressed about length of time it is taking to prepare for creditors agreement meetingGetting stressed about length of time it is taking to prepare for creditors agreement meeting (by: Lisa Thomas) 5 1689
Bank AccountBank Account (by: Lisa Thomas) 22 2924
Why has my settlement figure been increased if interest was frozen ?Why has my settlement figure been increased if interest was frozen ? (by: Lisa Thomas) 13 2026
Can the IP see the activity of your bank account?Can the IP see the activity of your bank account? (by: Lisa Thomas) 14 2356
credit check Car dealers.credit check Car dealers. (by: baldy) 4 2095
DESPERATE for mortgage, are we likely to be successful with Ryan ?DESPERATE for mortgage, are we likely to be successful with Ryan ? (by: lesley) 9 1536
How will it affect my IVA if I add my wife as joint holder on my property and on the mortgage ?How will it affect my IVA if I add my wife as joint holder on my property and on the mortgage ? (by: Jaikumar) 9 1553

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