IVA Home

Vincent Bond View all sponsors
IVA HOT TOPICS
Hot topics discussed on the IVA forum
Make a posting

- Make social post - Make debt post

See Top 300 Posts

All - Social Chat - Debt Questions - Most replies - Most views - IVA News -BankruptcyHelp Hot Topics - BankruptcyHelp Most Viewed

Top 150 Debt Questions from the IVA Forum
Active Topics on IVA Forum
TitlePostsViews
What happens to the equity if a house is sold due to the death of one of the applicants ?What happens to the equity if a house is sold due to the death of one of the applicants ? (by: Steve.sp) 1 26
Can I legally be a guarantor for my wife ? I am in my third year of an IVA.Can I legally be a guarantor for my wife ? I am in my third year of an IVA. (by: Foggy) 2 53
just notified that as property is untouchable IVA prolonged for 3 years.  Where do I stand legally ?just notified that as property is untouchable IVA prolonged for 3 years. Where do I stand legally ? (by: Foggy) 4 227
They are confusing the living day lights out of me. No clear answers about broadband & phoneThey are confusing the living day lights out of me. No clear answers about broadband & phone (by: Foggy) 3 68
Meeting of CreditorsMeeting of Creditors (by: lesley) 2 83
Looking for a mortgage lender.Looking for a mortgage lender. (by: luluj) 6 395
My debt is secured on the house. Can the bank force the sale of the house ?My debt is secured on the house. Can the bank force the sale of the house ? (by: Michael Peoples) 2 125
Will I be expected to pay for a further 12 months if I have no equity ?Will I be expected to pay for a further 12 months if I have no equity ? (by: Michael Peoples) 2 117
Hi all, I am not accustomed to this forum lark, however I have read some very sound advice..Hi all, I am not accustomed to this forum lark, however I have read some very sound advice.. (by: Andrew.p) 9 403
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) 36 8141
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) 25 2026
i am very confused about the equity release clausei am very confused about the equity release clause (by: Michael Peoples) 4 217
My house is excluded in my IVA agreement. How will it effect me if I sell to downsize ?My house is excluded in my IVA agreement. How will it effect me if I sell to downsize ? (by: Michael Peoples) 5 268
Does the receipt of a review form in month 57 mean that my IVA wont finish at month 60 ?Does the receipt of a review form in month 57 mean that my IVA wont finish at month 60 ? (by: Andy Davie) 3 268
Looking for a mortgageLooking for a mortgage (by: Andy Davie) 2 132
First National Bank  Account SettledFirst National Bank Account Settled (by: Rock20) 3 269
Should my IVA end early now that sizeable PPI claims have been successfully made ?Should my IVA end early now that sizeable PPI claims have been successfully made ? (by: Foggy) 4 283
The clutch has gone on my car today. Can I take a months break on my mortgage ?The clutch has gone on my car today. Can I take a months break on my mortgage ? (by: kazzafunk) 7 548
IVA completed . . . or so I thought!!!IVA completed . . . or so I thought!!! (by: sturty999) 5 637
Im worried Im in month 57 and no one has mentioned anything about my property.Im worried Im in month 57 and no one has mentioned anything about my property. (by: dancer) 4 373
I have my CC.  Why does EIC need to contact CRA ? Grateful for advice from an expertI have my CC. Why does EIC need to contact CRA ? Grateful for advice from an expert (by: skint til payday) 5 1764
Question regarding the first IVA paymentQuestion regarding the first IVA payment (by: MarkH2) 5 372
Where do i find the list of things I can claim for expenses ?Where do i find the list of things I can claim for expenses ? (by: plasticdaft) 5 688
I acted as guarantor but now at my whits end as person is now on benefits, refusing to pay.I acted as guarantor but now at my whits end as person is now on benefits, refusing to pay. (by: Michael Peoples) 3 514
IVA want partners redundancy money but none left. Has now started new job. What do we do ?IVA want partners redundancy money but none left. Has now started new job. What do we do ? (by: Michael Peoples) 2 476
Equity in Finance (AGAIN!!)Equity in Finance (AGAIN!!) (by: Foggy) 14 970
Why have I been turned down for a car when my credit rating is good ?Why have I been turned down for a car when my credit rating is good ? (by: TzeKin) 5 537
Question on which Company to useQuestion on which Company to use (by: ashb) 30 4553
Used unexpected bonus to pay off loans from parents. What will happen ?Used unexpected bonus to pay off loans from parents. What will happen ? (by: Elaine.m) 6 580
Will PPI be counted as income ?  If it doesnt I wont have enough income. In dire straights.Will PPI be counted as income ? If it doesnt I wont have enough income. In dire straights. (by: Foggy) 2 472
If DFD do not register my IVA as complete by the required court date, what happens ?If DFD do not register my IVA as complete by the required court date, what happens ? (by: Foggy) 2 481
I have my completion certificate.  Do I need to do anything to clear my credit files ?I have my completion certificate. Do I need to do anything to clear my credit files ? (by: Foggy) 2 546
Why is a mortgage statement required to receive PPI not bound by my IVA ?Why is a mortgage statement required to receive PPI not bound by my IVA ? (by: Sarah Jolly) 3 567
Hi there. Is it possible to buy out of your IVA ?Hi there. Is it possible to buy out of your IVA ? (by: Michael Peoples) 3 583
We are being threatened with failure. What can we do ? Can we go to another IVA .We are being threatened with failure. What can we do ? Can we go to another IVA . (by: Michael Peoples) 2 594
Feeling scaredFeeling scared (by: sonj77) 29 1965
How much of the proceeds from house sale will be needed to finish my IVA?How much of the proceeds from house sale will be needed to finish my IVA? (by: Michael Peoples) 2 551
Do I need to fill in a yearly expense form as I am in the last 3 months ?Do I need to fill in a yearly expense form as I am in the last 3 months ? (by: Michael Peoples) 2 563
Will having an IVA on my credit file prevent future employment ?Will having an IVA on my credit file prevent future employment ? (by: Michael Peoples) 2 572
Would a settlement offer have to cover my full original debt or the remaining balanceWould a settlement offer have to cover my full original debt or the remaining balance (by: Michael Peoples) 2 574
Melanie GilesMelanie Giles (by: luluj) 10 1209
What is a suitable F&F offer??What is a suitable F&F offer?? (by: Miss T) 3 369
My daughters boyfriend recently divorced and his ex wife has declared bankruptcy.My daughters boyfriend recently divorced and his ex wife has declared bankruptcy. (by: Skittler) 5 697
Equity ReleaseEquity Release (by: AlfieMoon) 8 623
How long should it take to get my completion certificate ?How long should it take to get my completion certificate ? (by: Michael Peoples) 2 561
Completion cert. promised for next week. Does IVA have any claim on possible inheritance ?Completion cert. promised for next week. Does IVA have any claim on possible inheritance ? (by: Michael Peoples) 11 717
KnightsbridgeKnightsbridge (by: sonj77) 8 1252
Completion Certificate  DFDCompletion Certificate DFD (by: lesley) 27 5939
I wonder if I could be offered some advice about the minimum level of payment for an IVA ?I wonder if I could be offered some advice about the minimum level of payment for an IVA ? (by: lesley) 3 587
Quick Question concerning Equity releaseQuick Question concerning Equity release (by: Michael Peoples) 2 548
Would a DMP or IVA affect my chances in Australia.  I am planning to emigrate.Would a DMP or IVA affect my chances in Australia. I am planning to emigrate. (by: Michael Peoples) 4 568
F&F 28 day voting windowF&F 28 day voting window (by: Michael Peoples) 3 702
Would IVA take all my increase in salary ?Would IVA take all my increase in salary ? (by: plasticdaft) 5 683
My partner and I are both on debt management plans.  Should I sell my house to clear our debts ?My partner and I are both on debt management plans. Should I sell my house to clear our debts ? (by: Michael Peoples) 3 688
Sent in my paperwork, what now?Sent in my paperwork, what now? (by: lesley) 6 805
Natwest & RBSNatwest & RBS (by: lesley) 2 687
Too much money has been taken from my Aunt ?Too much money has been taken from my Aunt ? (by: lesley) 2 546
I will not be allowed car finance until IVA is closed which can take up to 6 months. Need a car now.I will not be allowed car finance until IVA is closed which can take up to 6 months. Need a car now. (by: hugandkiss) 3 615
Can I claim part of my PPI back to pay a priorty debt ?Can I claim part of my PPI back to pay a priorty debt ? (by: seagulls) 2 538
Should I consider going bankrupt ? I dont know what to do or who to speak to.Should I consider going bankrupt ? I dont know what to do or who to speak to. (by: MelanieGiles) 2 570
My IVA agreement for 6 years ends September.  Will it drop off credit ratings almost immediately  ?My IVA agreement for 6 years ends September. Will it drop off credit ratings almost immediately ? (by: luluj) 3 657
Is it legal ? GT have told me I will have to pay for 8 years. I have the paperwork saying 5 years.Is it legal ? GT have told me I will have to pay for 8 years. I have the paperwork saying 5 years. (by: Foggy) 2 642
Legal action from non voting creditorLegal action from non voting creditor (by: Peejayel) 7 875
MortgageMortgage (by: Ryan) 6 512
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) 2 625
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) 9 914
Mortgage chances after IVAMortgage chances after IVA (by: luluj) 6 997
PPI quite peed offPPI quite peed off (by: luluj) 7 867
Credit file after f&f settlementCredit file after f&f settlement (by: arrmickk) 3 499
RemortgageRemortgage (by: Foggy) 6 859
Who can see my credit file?Who can see my credit file? (by: TzeKin) 8 862
Will extra income paid into my IVA clear my debt sooner ?Will extra income paid into my IVA clear my debt sooner ? (by: Foggy) 4 605
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) 8 738
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) 2 686
Will my repayment be different as I retire in November ?Will my repayment be different as I retire in November ? (by: lesley) 4 782
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) 4 769
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 1032
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) 3 791
Can I lease a car whilst in an IVA ?Can I lease a car whilst in an IVA ? (by: lesley) 3 846
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) 5 901
The calls have startedThe calls have started (by: sonj77) 22 2136
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 2231
Does anyone get a mortgage at week 54?Does anyone get a mortgage at week 54? (by: lesley) 3 977
Positive post DFDPositive post DFD (by: lesley) 6 1080
Can PPI be claimed without me signing any forms ?Can PPI be claimed without me signing any forms ? (by: sarahgod) 7 1004
IVA ProtocolIVA Protocol (by: Foggy) 8 1287
Is there an approval threshold for IVAIs there an approval threshold for IVA (by: MarkH2) 3 939
Next stepNext step (by: sonj77) 3 909
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 1005
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) 2 917
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) 2 875
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) 2 840
Waiting creditors meeting.Waiting creditors meeting. (by: luluj) 42 7405
Kids Savings IVAKids Savings IVA (by: luluj) 3 1006
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 1047
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) 3 867
What happens to the interest on PPI ?What happens to the interest on PPI ? (by: Michael Peoples) 3 1042
I am very confusedI am very confused (by: Michael Peoples) 2 989
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 1273
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) 2 953
Other halfs PPI, my IVAOther halfs PPI, my IVA (by: jdlem) 3 948
Hopefully finished 46 weeksHopefully finished 46 weeks (by: lesley) 9 2666
banksbanks (by: lesley) 8 1164
What should I do first?What should I do first? (by: steppingstones) 13 1369
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) 3 929
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) 2 947
Equity release againEquity release again (by: country girl) 20 2336
Please could someone suggest a full and final offer ?Please could someone suggest a full and final offer ? (by: JULIERATTY) 3 973
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) 3 894
I have my completion certificate but insolvency exchange still showing defaultsI have my completion certificate but insolvency exchange still showing defaults (by: Foggy) 2 915
F&F processF&F process (by: Foggy) 4 754
Can I sell my vehicle ?Can I sell my vehicle ? (by: Foggy) 2 909
What will happen if our IVA is terminated ?What will happen if our IVA is terminated ? (by: Foggy) 2 931
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 1377
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 1150
first year review.first year review. (by: relieved33) 5 946
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 3008
One year on....One year on.... (by: Christabellesparkle) 11 1775
Validity of car accident claim questioned and charging order issuedValidity of car accident claim questioned and charging order issued (by: Sarah Jolly) 5 2356
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 1004
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 1105
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 1074
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 1076
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 1139
Any opinions about gopher money IVA ?Any opinions about gopher money IVA ? (by: Foggy) 4 1118
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) 1 770
Change of Mortgage productChange of Mortgage product (by: Michael Peoples) 4 954
Cross cross cross!Cross cross cross! (by: lesley) 4 1309
Equity releasePersonal loan!Equity releasePersonal loan! (by: TzeKin) 9 1840
Privacy concernsPrivacy concerns (by: Foggy) 3 1184
Will IVA affect UK citizenship ?Will IVA affect UK citizenship ? (by: Michael Peoples) 2 1058
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 1036
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 1031
😄😄 (by: welshwiz) 5 1601
DFD TextsDFD Texts (by: luluj) 6 1127
My deceased husband stopped paying our joint IVA without my knowledge.My deceased husband stopped paying our joint IVA without my knowledge. (by: luluj) 3 965
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 1085
Mortgage in PrincipalMortgage in Principal (by: Irishrams) 116 25977
A bit fed up of waitingA bit fed up of waiting (by: lesley) 4 1129
Does Tesco accept people with IVAs ?Does Tesco accept people with IVAs ? (by: TzeKin) 9 2046
month 54 Vs month 60  equitymonth 54 Vs month 60 equity (by: scoobydooby) 3 1104
Property equity releaseProperty equity release (by: Michael Peoples) 8 1465
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 1043
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 1196
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 1194
Freehold land and property paymentFreehold land and property payment (by: Michael Peoples) 2 1165
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 3483
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 1327
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 1619
Help with Month 54 Question PleaseHelp with Month 54 Question Please (by: vlc1507) 4 1373

Next
IVA CALCULATOR
IVA CALCULATOR
  • Do I qualify?
  • How much written off?
  • Monthly payment amount?
  • Total Debt:
    £
  • No of creditors:
  • Income:
    £
  • Expenses:
    £
  • Own home?
    Yes No
  • NOTE:

    An IVA is not for everyone. This calculator will simply tell you whether it is an option for you.

  • Live Help
Resources
Social Media
Clear my debt

-Talk to an iva.co.uk advisor
-Relaxed chat, discuss options
-No upfront fees

  • Name
  • Email
  • Tel
  • Total Debt
  • What's the sum of 3 + 8 ?
    (spam protection)
Chat Now
Live Help
IVA.co.uk Newsletter
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.