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TitlePostsViews
Hi all its been a while  More PPI Forms?Hi all its been a while More PPI Forms? (by: lifenoteasy) 18 479
Post IVA  the past and future...Post IVA the past and future... (by: antm) 20 3319
Hello there please could someone help as we feel we are being treated unfairly by DFDHello there please could someone help as we feel we are being treated unfairly by DFD (by: Blueboy) 10 1384
I dont understand why it is taking PayPlan 6 months to investigate PPII dont understand why it is taking PayPlan 6 months to investigate PPI (by: garthybarthy) 22 2419
Is IVA complete?Is IVA complete? (by: Sheila.pl) 56 13842
Really stressed out with KnightsbridgeReally stressed out with Knightsbridge (by: Lisa Thomas) 12 441
Our IVA finishes in May this Year.  Is there anyway we can refuse to remortgage ?Our IVA finishes in May this Year. Is there anyway we can refuse to remortgage ? (by: Foggy) 2 65
My husband will have to face unpaid leave, only car irretrievably broken down.  Help !My husband will have to face unpaid leave, only car irretrievably broken down. Help ! (by: NTF Financial Solutions) 8 1009
We will end up by losing our home soon.  Dont know what to do .We will end up by losing our home soon. Dont know what to do . (by: Joyce.53) 1 60
Will it leave a footprint if I check my credit files ?Will it leave a footprint if I check my credit files ? (by: lifenoteasy) 2 70
How long does it take to finalise an IVA and to receive the completion certificate ?How long does it take to finalise an IVA and to receive the completion certificate ? (by: sazzysue) 1 43
We are in our early sixtys and plan to sell house, finish our IVA and rent.  Would this work ?We are in our early sixtys and plan to sell house, finish our IVA and rent. Would this work ? (by: Rosie.dk) 6 293
Savings AccountSavings Account (by: kallis3) 6 105
Is there a chance that creditors will accept a F&F ? I am on year 5 with an extension of 12 months.Is there a chance that creditors will accept a F&F ? I am on year 5 with an extension of 12 months. (by: Lisa Thomas) 3 89
My IVA is being completed with an early settlement.  Can I open a joint savings account ?My IVA is being completed with an early settlement. Can I open a joint savings account ? (by: Lisa Thomas) 3 88
My IVA finishes October 2017.  Meanwhile can I be a director of CIC company ?My IVA finishes October 2017. Meanwhile can I be a director of CIC company ? (by: Lisa Thomas) 5 211
Half Way!Half Way! (by: Lisa Thomas) 9 318
IVA finshed  Credit rebuildIVA finshed Credit rebuild (by: Lisa Thomas) 5 309
equity releaseequity release (by: Lisa Thomas) 3 314
Annual Review questionAnnual Review question (by: Lisa Thomas) 4 325
I am in an IVA, am currently unemployed and caring for my disabled mother.I am in an IVA, am currently unemployed and caring for my disabled mother. (by: Lisa Thomas) 4 358
I took out a loan and then stupidly gambled everything away. Now applying for an IVA.I took out a loan and then stupidly gambled everything away. Now applying for an IVA. (by: lesley) 24 1132
closed accounts with balance after iva finished...closed accounts with balance after iva finished... (by: Lisa Thomas) 5 586
Firstplus PPI Refund IVA Problem!Firstplus PPI Refund IVA Problem! (by: lifenoteasy) 4 529
Out of 7 creditors only 3 voted, if I just continued to pay I would have been debt free last year.Out of 7 creditors only 3 voted, if I just continued to pay I would have been debt free last year. (by: Lisa Thomas) 6 549
How realistic is a mortgageHow realistic is a mortgage (by: Lisa Thomas) 10 646
Is repayment option taken into account to obtain a re mortgage ?Is repayment option taken into account to obtain a re mortgage ? (by: Lisa Thomas) 3 526
Im trying to find a lender to switch my mortgage. CC received September 2013Im trying to find a lender to switch my mortgage. CC received September 2013 (by: Lisa Thomas) 6 752
What are my chances of getting a mortgage under the RTB scheme ?What are my chances of getting a mortgage under the RTB scheme ? (by: Lisa Thomas) 6 735
Any suggestions as how to speed up completion ? Told by DFD it might take 6 months.Any suggestions as how to speed up completion ? Told by DFD it might take 6 months. (by: Lisa Thomas) 3 504
We have done it. 7 long hard years have ended. How quick are Aperture at finalising IVA ?We have done it. 7 long hard years have ended. How quick are Aperture at finalising IVA ? (by: Lisa Thomas) 9 625
Credit Fix 1st ReviewCredit Fix 1st Review (by: Lisa Thomas) 24 3125
IVA was paid in full as I came into an inheritance.  Keep being told it takes time to close.IVA was paid in full as I came into an inheritance. Keep being told it takes time to close. (by: Lisa Thomas) 3 585
How long for FJ to issue completion certificateHow long for FJ to issue completion certificate (by: Lisa Thomas) 13 2376
Shawbrook creditorShawbrook creditor (by: Lisa Thomas) 17 970
Due to complete my 60th payment in December. Am I wasting my time thinking of a mortgage ?Due to complete my 60th payment in December. Am I wasting my time thinking of a mortgage ? (by: lifenoteasy) 5 445
Is it possible to find out if someone was subject to an IVA ?Is it possible to find out if someone was subject to an IVA ? (by: Foggy) 16 1276
Notice of correctionNotice of correction (by: watzki) 4 416
I am a director of a company. Will my IVA affect getting a loan for the company ?I am a director of a company. Will my IVA affect getting a loan for the company ? (by: lesley) 3 441
PPI Reclaim From FirstPlus ~ IVA Settled 2 years aPPI Reclaim From FirstPlus ~ IVA Settled 2 years a (by: Theresa1) 32 12610
Paid Kingsgate Insolvency in full July 2015, but cannot get a completion date. What can I do ?Paid Kingsgate Insolvency in full July 2015, but cannot get a completion date. What can I do ? (by: kallis3) 7 590
I was assured that I could simply draw down my pension and pay creditors in full.I was assured that I could simply draw down my pension and pay creditors in full. (by: Lisa Thomas) 10 2307
Success !  Finally F&F accepted.  Thank you Select Partnership, especially Barry Cannon.Success ! Finally F&F accepted. Thank you Select Partnership, especially Barry Cannon. (by: Lisa Thomas) 3 550
Completion delay?Completion delay? (by: Lisa Thomas) 3 550
What do I have to do to remove my IVA, dated 2006, from my credit file ?What do I have to do to remove my IVA, dated 2006, from my credit file ? (by: Lisa Thomas) 6 719
Can I retire with a lump sum pension and not have to disclose it to my IVA firm ?Can I retire with a lump sum pension and not have to disclose it to my IVA firm ? (by: welshwiz) 5 719
Could I remortgage to end my IVA ? It is causing so much stress and depression.Could I remortgage to end my IVA ? It is causing so much stress and depression. (by: Lisa Thomas) 5 636
If I was looking to rent a property would having an IVA show on my references ?If I was looking to rent a property would having an IVA show on my references ? (by: kallis3) 5 611
I need some advice on an outstanding balance as I want to clear it offI need some advice on an outstanding balance as I want to clear it off (by: Lisa Thomas) 4 603
Hello and thanks for your help and advice.  Will everything be OK for completion ?Hello and thanks for your help and advice. Will everything be OK for completion ? (by: Lisa Thomas) 3 601
Credit FileCredit File (by: Lisa Thomas) 5 687
Can Creditors reject a variation meeting request?Can Creditors reject a variation meeting request? (by: kallis3) 11 865
Opened the best email today, My completion certificate. All credit to ApertureOpened the best email today, My completion certificate. All credit to Aperture (by: Lisa Thomas) 10 822
Partners incomePartners income (by: lifenoteasy) 15 748
New in IVANew in IVA (by: lesley) 7 835
What is the minimum  payment into an IVA ?What is the minimum payment into an IVA ? (by: lesley) 5 720
Hi, can you confirm what professions are excluded from applying for an IVA ?Hi, can you confirm what professions are excluded from applying for an IVA ? (by: lesley) 6 716
Redress letter from a previous creditor from IVA concluded August 2015 ?Redress letter from a previous creditor from IVA concluded August 2015 ? (by: Lisa Thomas) 4 672
Can I terminate IVA early ?Can I terminate IVA early ? (by: Lisa Thomas) 3 665
Interlocking IVAs !Interlocking IVAs ! (by: Lisa Thomas) 10 1289
Cleardebt now ApertureCleardebt now Aperture (by: David Mond) 16 1198
first yearfirst year (by: Lisa Thomas) 4 635
My partner increased her hours to cover cost of new car, and we received a breach noticeMy partner increased her hours to cover cost of new car, and we received a breach notice (by: Lisa Thomas) 3 739
Im stuck as to what to do as my relationship with partner is not stable and could easily endIm stuck as to what to do as my relationship with partner is not stable and could easily end (by: Lisa Thomas) 4 633
Please can somebody help me, advise me, as I cannot believe a word of what ex partner says.Please can somebody help me, advise me, as I cannot believe a word of what ex partner says. (by: Lisa Thomas) 4 658
What happens after I enrolled on a course on benefits without informing supervisor ?What happens after I enrolled on a course on benefits without informing supervisor ? (by: Lisa Thomas) 4 813
Can my IVA have an interest in property of my partner.  I have moved in and contribute to bills.Can my IVA have an interest in property of my partner. I have moved in and contribute to bills. (by: Lisa Thomas) 3 666
Would an IVA be suitable for me ?Would an IVA be suitable for me ? (by: Lisa Thomas) 8 1029
My husband took voluntary redundancy but will not be paid until the end of the month.My husband took voluntary redundancy but will not be paid until the end of the month. (by: Lisa Thomas) 3 707
It feels very wrong if IVA are being paid interest on money paid for F&F for months.It feels very wrong if IVA are being paid interest on money paid for F&F for months. (by: Lisa Thomas) 3 712
I have received a notice of breach. I am being told I have to compensate.I have received a notice of breach. I am being told I have to compensate. (by: Lisa Thomas) 4 841
If I get a loan (which I can easily pay back) will it effect my IVA ?If I get a loan (which I can easily pay back) will it effect my IVA ? (by: Lisa Thomas) 4 842
I have learned to live within my means. What happens if I now have excess funds ?I have learned to live within my means. What happens if I now have excess funds ? (by: Lisa Thomas) 3 772
Can my husband use his private pension to pay off the remainder of our IVA commitment ?Can my husband use his private pension to pay off the remainder of our IVA commitment ? (by: lifenoteasy) 3 563
As part of my new role I am required to have a reliable, professional looking car.As part of my new role I am required to have a reliable, professional looking car. (by: Lisa Thomas) 10 2552
Who pays for PPI to be repeatedly investigated ?Who pays for PPI to be repeatedly investigated ? (by: Lisa Thomas) 9 1170
Director of limited companyDirector of limited company (by: hypnomonkey) 7 956
If I pay my IVA off early how long before I can apply for a mortgage ?If I pay my IVA off early how long before I can apply for a mortgage ? (by: luluj) 3 690
Should I be worried that PPI has never been mentioned. We are 2 months into our sixth year.Should I be worried that PPI has never been mentioned. We are 2 months into our sixth year. (by: kallis3) 12 1059
I am applying for a mortgage. Experian is recording an IVA but I have never applied for one.I am applying for a mortgage. Experian is recording an IVA but I have never applied for one. (by: luluj) 6 1086
Is there any helpadvice about getting a mortgage in an IVA ? Renting is crippling us.Is there any helpadvice about getting a mortgage in an IVA ? Renting is crippling us. (by: Shaun Vickery) 5 1368
GT Interest Payment on PPI ClaimedGT Interest Payment on PPI Claimed (by: Sharon.10) 27 5403
Do defaults get cleared from credit agencies at the end of the 6 yer IVA ?Do defaults get cleared from credit agencies at the end of the 6 yer IVA ? (by: Foggy) 4 974
Referral to FOS could add another 6  18 months. My life is on hold.  Where do I stand please ?Referral to FOS could add another 6 18 months. My life is on hold. Where do I stand please ? (by: Nigel.111) 5 1363
Lower income, not making payments. Would I be able to remortgage home to pay off IVA ?Lower income, not making payments. Would I be able to remortgage home to pay off IVA ? (by: kallis3) 2 783
Hi There. Im wondering what happens now my circumstances have changedHi There. Im wondering what happens now my circumstances have changed (by: lifenoteasy) 13 1388
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: Lisa Thomas) 73 8204
No outstanding PPI, all required details submitted, surely it cant take 6 months to close IVA ?No outstanding PPI, all required details submitted, surely it cant take 6 months to close IVA ? (by: Lisa Thomas) 9 942
My work place is thinking of introducing a time keeping bonus. Will I get a percentage ?My work place is thinking of introducing a time keeping bonus. Will I get a percentage ? (by: Lisa Thomas) 5 929
We thought we had finished but payments are up and we have to pay another year. My wife is ill.We thought we had finished but payments are up and we have to pay another year. My wife is ill. (by: Lisa Thomas) 5 917
What should I do about not reporting Christmas overtime ?What should I do about not reporting Christmas overtime ? (by: Lisa Thomas) 4 952
Would this F&F be accepted ? Im seriously worried I will fail my IVA if I cant clear it ASAP.Would this F&F be accepted ? Im seriously worried I will fail my IVA if I cant clear it ASAP. (by: Lisa Thomas) 3 852
F&FF&F (by: Lisa Thomas) 9 1085
Finally free...Finally free... (by: lilaclady2k) 10 1380
BarclaycardBarclaycard (by: welshwiz) 7 922
Could someone explain in simple terms how a full and final payment is worked out ?Could someone explain in simple terms how a full and final payment is worked out ? (by: Lisa Thomas) 6 1005
Hello first time question about using compensation to pay off my partners debts as well as mine ?Hello first time question about using compensation to pay off my partners debts as well as mine ? (by: Lisa Thomas) 14 1510
iva and ppiiva and ppi (by: kallis3) 10 1136
Out of the blue my monthly payments are massively increased. I am at a loss as what to do.Out of the blue my monthly payments are massively increased. I am at a loss as what to do. (by: Lisa Thomas) 11 1737
What is the he deed of assignment ?What is the he deed of assignment ? (by: Lisa Thomas) 5 887
My IP wants  my third annual review now.  I want to delay it 3 months to anniversary date.My IP wants my third annual review now. I want to delay it 3 months to anniversary date. (by: Lisa Thomas) 4 863
Hi, Ive been swapped from Baines and Ernst to Knightsbridge.  Where is my money going ?Hi, Ive been swapped from Baines and Ernst to Knightsbridge. Where is my money going ? (by: Lisa Thomas) 4 1001
Can I change company ?Can I change company ? (by: Lisa Thomas) 5 908
IVA finishes Aug 2016, will it affect renting a new house due to work commitments ?IVA finishes Aug 2016, will it affect renting a new house due to work commitments ? (by: Lisa Thomas) 5 812
I am buying a new house.  Will I have to declare an IVA now off my file, failed in 2007 ?I am buying a new house. Will I have to declare an IVA now off my file, failed in 2007 ? (by: Lisa Thomas) 3 825
Could further PPI be used as a full and final payment ?Could further PPI be used as a full and final payment ? (by: Lisa Thomas) 3 784
2 months to go on an with DFD. Can we refuse to increase the payments asked for ?2 months to go on an with DFD. Can we refuse to increase the payments asked for ? (by: Lisa Thomas) 6 1085
How do I change my current IVA ?How do I change my current IVA ? (by: Laura.Harrop) 8 1781
Advice please about how we stand regarding 100% in the pound repaymentAdvice please about how we stand regarding 100% in the pound repayment (by: Laura.Harrop) 6 1435
Offer of a secured loan instead of remortgage or extension has come as a shock and worry.Offer of a secured loan instead of remortgage or extension has come as a shock and worry. (by: lifenoteasy) 10 1546
My IVA with Payplan is due to finish Feb 2018 and I dont fully understand the equity clause.My IVA with Payplan is due to finish Feb 2018 and I dont fully understand the equity clause. (by: Lisa Thomas) 6 1033
I am wanting to move back in with my parents. How would this affect my fathers IVA ?I am wanting to move back in with my parents. How would this affect my fathers IVA ? (by: Lisa Thomas) 3 1076
Should my non taxable expenses reimbursed to me be included in my taxable pay ?Should my non taxable expenses reimbursed to me be included in my taxable pay ? (by: Lisa Thomas) 5 1051
I received money from a PPI claim before bankruptcy.  Where is the money going ?I received money from a PPI claim before bankruptcy. Where is the money going ? (by: Lisa Thomas) 3 1066
Im with varden nuttal and Im wanting to rent a house with a private landlord.Im with varden nuttal and Im wanting to rent a house with a private landlord. (by: kallis3) 3 809
I am looking to get a joint mortgage with Forces Help to Buy schemeI am looking to get a joint mortgage with Forces Help to Buy scheme (by: kallis3) 6 1694
What happens if I cant pay the extra within the 14 days stipulated ?What happens if I cant pay the extra within the 14 days stipulated ? (by: Tony.mac) 5 1139
Defaults againDefaults again (by: grimswold) 15 1345
PPI and barclays post ivaPPI and barclays post iva (by: kallis3) 9 4072
My old bank account has had payments paid into it.  What are they ?My old bank account has had payments paid into it. What are they ? (by: Michael Peoples) 4 1306
Quick questionQuick question (by: watzki) 4 1127
I need to speak to someone regarding direct debit paymentsI need to speak to someone regarding direct debit payments (by: kallis3) 2 1001
Trying to do a F&F due to husbands mental health problemsTrying to do a F&F due to husbands mental health problems (by: kallis3) 2 1028
One week to go til we make our last payment !One week to go til we make our last payment ! (by: kallis3) 9 1268
I am currently making all payments of a joint IVA. We are divorcing.  What happens if I split IVA ?I am currently making all payments of a joint IVA. We are divorcing. What happens if I split IVA ? (by: Foggy) 9 1531
Can you have your pension lump sum and payments paid into an overseas account ?Can you have your pension lump sum and payments paid into an overseas account ? (by: Lisa Thomas) 28 2353
Can my IVA company refuse to put an offer forward ?Can my IVA company refuse to put an offer forward ? (by: Lisa Thomas) 3 1230
Im about to enter an IVA, what will happen if I do any overtime ?Im about to enter an IVA, what will happen if I do any overtime ? (by: Lisa Thomas) 3 1174
I am not sure what to do about the secured loan offered by Select to replace another.I am not sure what to do about the secured loan offered by Select to replace another. (by: Lisa Thomas) 5 1333
Dont know what to do about signing a deed of assignment from DFDDont know what to do about signing a deed of assignment from DFD (by: Lisa Thomas) 7 1578
Can someone please help me?  My partner refuses to allow a secured loan against our property.Can someone please help me? My partner refuses to allow a secured loan against our property. (by: Lisa Thomas) 4 1390
My estranged husband is about to go into IVA with a very large amount of maintenance arrears.My estranged husband is about to go into IVA with a very large amount of maintenance arrears. (by: Lisa Thomas) 4 1285
My house value has gone up.   If I sell, can I give an offer  or will they take the full amount ?My house value has gone up. If I sell, can I give an offer or will they take the full amount ? (by: Lisa Thomas) 4 1243
Can GT give my IVA to Aperture without informing me ? Now asking to check PPI yet again.Can GT give my IVA to Aperture without informing me ? Now asking to check PPI yet again. (by: lifenoteasy) 7 1162
How long after your final payment has been made should you receive completion certificate ?How long after your final payment has been made should you receive completion certificate ? (by: kallis3) 2 1123
Remortgaging with IVA in placeRemortgaging with IVA in place (by: luluj) 3 1160
I am looking to remortgage.I am looking to remortgage. (by: kallis3) 3 1144
18 days to go!!!!!18 days to go!!!!! (by: Lisa Thomas) 4 1262
Whats the best way to approach an estate agent for a valuation ?Whats the best way to approach an estate agent for a valuation ? (by: kallis3) 10 1612
Hi, I am just in the application process of IVA but scared to tell my new partner.Hi, I am just in the application process of IVA but scared to tell my new partner. (by: size5) 20 1394
How much would be a good offer for a final settlement ?How much would be a good offer for a final settlement ? (by: Lisa Thomas) 3 1277
Is there a maximum period of time that you can be asked to pay an IVA ?Is there a maximum period of time that you can be asked to pay an IVA ? (by: Lisa Thomas) 5 1361
Selling my houseSelling my house (by: Lisa Thomas) 3 1300
My husband is currently considering an IVA vs a DMP of 40 yearsMy husband is currently considering an IVA vs a DMP of 40 years (by: Michael Peoples) 14 1711
If you fail an IVA, can it stay on your credit report for ever ?If you fail an IVA, can it stay on your credit report for ever ? (by: Michael Peoples) 7 1633
Remortgage after IVARemortgage after IVA (by: Lisa Thomas) 3 1312
Can someone help with this query ?Can someone help with this query ? (by: Lisa Thomas) 3 1272
How long should I reasonably be expected to wait for a CC ?  Is there a norm ?How long should I reasonably be expected to wait for a CC ? Is there a norm ? (by: Lisa Thomas) 4 1304
I am considering an IVAI am considering an IVA (by: Lisa Thomas) 5 1272
Clearing up credit filesClearing up credit files (by: Lisa Thomas) 9 1625

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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.

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