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Top 150 Debt Questions from the IVA Forum
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TitlePostsViews
I keep getting different stories from people in Freeman Jones. We are paying back 100 p in the £I keep getting different stories from people in Freeman Jones. We are paying back 100 p in the £ (by: Michael Peoples) 16 661
Thinking about entering into an IVA but wondering arbout remortgaging, shares and bonus.Thinking about entering into an IVA but wondering arbout remortgaging, shares and bonus. (by: Michael Peoples) 11 97
Personal Health BudgetsPersonal Health Budgets (by: lifenoteasy) 10 380
Is it normal for IP to request all yearly statements in last year ? Will it be extended again ?Is it normal for IP to request all yearly statements in last year ? Will it be extended again ? (by: Foggy) 3 71
Creditfix have been using excuse migration of information to delay closure for 7 monthsCreditfix have been using excuse migration of information to delay closure for 7 months (by: lubeshio) 14 805
F&F meeting wednesday glad read past postsF&F meeting wednesday glad read past posts (by: mole) 5 117
Hi, I have a question regarding a second PPI request from GTHi, I have a question regarding a second PPI request from GT (by: bombshell) 3 129
Please can anyone confirm if Belmont Financial Management ( Kensington ) are safe for an IVA .Please can anyone confirm if Belmont Financial Management ( Kensington ) are safe for an IVA . (by: size5) 4 107
Will money be taken from new partner who has nothing to do with my IVA ?Will money be taken from new partner who has nothing to do with my IVA ? (by: Michael Peoples) 3 95
Is it within the law to force me to sign papers to reclaim compensation I never took out ?Is it within the law to force me to sign papers to reclaim compensation I never took out ? (by: Michael Peoples) 3 106
Full and final meeting on Tuesday. I dont think with my health I could continue. Fingers crossed.Full and final meeting on Tuesday. I dont think with my health I could continue. Fingers crossed. (by: Michael Peoples) 5 148
We entered an IVA 5 years ago and now waiting for CC. Will I have to surrender compensation ?We entered an IVA 5 years ago and now waiting for CC. Will I have to surrender compensation ? (by: Michael Peoples) 3 152
F&F accepted thanks mcCambridge Dufy. I cannot thank them enough.F&F accepted thanks mcCambridge Dufy. I cannot thank them enough. (by: Michael Peoples) 4 136
Can Grant Thornton claim PPI in my behalf even though I have never taken out this insurance ?Can Grant Thornton claim PPI in my behalf even though I have never taken out this insurance ? (by: mole) 5 132
We did an IVA with Debt Matters in 2006. Now difficulties with GT are preventing sale of houseWe did an IVA with Debt Matters in 2006. Now difficulties with GT are preventing sale of house (by: Foggy) 3 103
Grant Thornton are adamant I havent changed my address but I know I did in July 2013Grant Thornton are adamant I havent changed my address but I know I did in July 2013 (by: Foggy) 2 85
Credit card post ivaCredit card post iva (by: Jethro) 4 249
I am coming to the end of my 5 year. No one has written to ask for a valuationI am coming to the end of my 5 year. No one has written to ask for a valuation (by: Foggy) 2 143
F&F meetings tomorrow!F&F meetings tomorrow! (by: fisherman) 7 200
IVA acceptedIVA accepted (by: luluj) 5 208
I have been reading posts on the forum,I have been reading posts on the forum, (by: andwat) 19 918
15% reduction in payments15% reduction in payments (by: relieved33) 10 464
12 month in lieu of equity agreed12 month in lieu of equity agreed (by: Goosed) 6 380
I have been trying to find a way forward to stop IVA from failing.I have been trying to find a way forward to stop IVA from failing. (by: Foggy) 4 262
Me and my husband have got debt,  can you help ?Me and my husband have got debt, can you help ? (by: Foggy) 4 289
Dilemma!Dilemma! (by: recovering) 4 418
What will happen if I cant pay redundancy money to IVA ?What will happen if I cant pay redundancy money to IVA ? (by: Lisa Thomas) 4 399
Have just gone into an IVA and now my buisness partner is pursuing me through the courtsHave just gone into an IVA and now my buisness partner is pursuing me through the courts (by: Lisa Thomas) 4 376
Hello  we have just received our latest Annual report 15 months past month 84Hello we have just received our latest Annual report 15 months past month 84 (by: Lisa Thomas) 9 1114
Slowly getting there!!!!Slowly getting there!!!! (by: Lisa Thomas) 4 331
Can ccj be included in an IVA ?Can ccj be included in an IVA ? (by: Lisa Thomas) 3 424
Basic account for savingsBasic account for savings (by: Lisa Thomas) 4 403
What happens when an IVA fails ?  We are home ownersWhat happens when an IVA fails ? We are home owners (by: Andy Davie) 4 332
I am on a joint mortgage with my brother who unbeknown to me has an IVAI am on a joint mortgage with my brother who unbeknown to me has an IVA (by: Andy Davie) 8 526
SavingsSavings (by: Michael Peoples) 48 2520
PPI Statutory InterestPPI Statutory Interest (by: Nahdia) 5 401
We are confused about what is being reviewed in our annual review.  IVA finishes in August.We are confused about what is being reviewed in our annual review. IVA finishes in August. (by: Foggy) 7 428
My husbands IVA has been extended.  We are selling our home and wish to buy another.My husbands IVA has been extended. We are selling our home and wish to buy another. (by: Foggy) 3 283
Barclays internet banking is changing. Worried sick about a possible credit check.Barclays internet banking is changing. Worried sick about a possible credit check. (by: welshwiz) 3 369
What paperwork will my IP need for my review now I am self employed ?What paperwork will my IP need for my review now I am self employed ? (by: luluj) 5 896
PPI GTPPI GT (by: bombshell) 16 1060
Variation meetingVariation meeting (by: Kerry.r) 3 381
Its over and done with!Its over and done with! (by: Foggy) 12 808
How do I get my IVA removed from my credit rating?  I have dealt directly with creditorsHow do I get my IVA removed from my credit rating? I have dealt directly with creditors (by: Foggy) 3 296
Is there anyway to remove accounts still showing on credit files.  I received CC in March 2014Is there anyway to remove accounts still showing on credit files. I received CC in March 2014 (by: Foggy) 3 276
Some Advise PleaseSome Advise Please (by: relieved33) 9 883
Should we do a joint IVA ?Should we do a joint IVA ? (by: relieved33) 5 326
I was going to do an IVA but have pulled out. Company are trying to talk me back into it.I was going to do an IVA but have pulled out. Company are trying to talk me back into it. (by: Foggy) 8 457
Seeing light at the end of the tunnelSeeing light at the end of the tunnel (by: bombshell) 13 505
If I make this F & F offer, will I still have to make remaining monthly payments ?If I make this F & F offer, will I still have to make remaining monthly payments ? (by: Foggy) 2 331
Personal injury claimPersonal injury claim (by: Lisa Thomas) 12 1112
Strange Equity Release ConundrumStrange Equity Release Conundrum (by: Imhotep) 22 2646
Looking for a lender that will remortgage while in an IVA thats coming to its end ?Looking for a lender that will remortgage while in an IVA thats coming to its end ? (by: Andy Davie) 3 365
Struggling as earnings are decreasing, lots of equity.  Should or could I make a F&F offer ?Struggling as earnings are decreasing, lots of equity. Should or could I make a F&F offer ? (by: Foggy) 2 355
Dont know where we stand with releasing equity on house bought with homebuy scheme ?Dont know where we stand with releasing equity on house bought with homebuy scheme ? (by: luluj) 3 400
Business bank accountsBusiness bank accounts (by: UpToMyNeckInIt) 22 18096
My IVA finishes in October this year. Should I offer to clear it early or sit tight until then ?My IVA finishes in October this year. Should I offer to clear it early or sit tight until then ? (by: bombshell) 9 731
Hi a newbie to this forum and very happy I found it. Im having problems with Freeman JonesHi a newbie to this forum and very happy I found it. Im having problems with Freeman Jones (by: stressed out jonny) 19 2390
F&F Meeting with CFF&F Meeting with CF (by: lesley) 6 466
am I missing something?am I missing something? (by: Bishop) 15 1806
Can I cancel my IVA if I pay off the outstanding creditors in full directly ?Can I cancel my IVA if I pay off the outstanding creditors in full directly ? (by: Foggy) 3 436
Credit fix Annual review delayCredit fix Annual review delay (by: Bishop) 4 377
Creditfix and equity releaseCreditfix and equity release (by: fruitloop) 6 498
How do I retrieve money put into my old bank account that has been closed ?How do I retrieve money put into my old bank account that has been closed ? (by: Andy Davie) 5 438
IVA and OverdraftIVA and Overdraft (by: Lisa Thomas) 15 1350
IVA and PPIIVA and PPI (by: Foggy) 3 438
Debt free direct left my biggest creditor out of IVA.  Need to know who to complain to.Debt free direct left my biggest creditor out of IVA. Need to know who to complain to. (by: Evette Everest) 6 610
Santander claiming amount that was included in our IVA, completed about 4 years agoSantander claiming amount that was included in our IVA, completed about 4 years ago (by: Lisa Thomas) 4 619
With large PPI payout should GT look compassionately on reducing monthly payments ?With large PPI payout should GT look compassionately on reducing monthly payments ? (by: Lisa Thomas) 5 650
equity release again!!!equity release again!!! (by: newtoallthis) 21 1606
What happens if my daughter moves home but pays no rent ?What happens if my daughter moves home but pays no rent ? (by: Prudence.p) 5 681
PPI  CF  CLIFFORD WATTSPPI CF CLIFFORD WATTS (by: esgt1967) 5 625
Credit Fix 1st ReviewCredit Fix 1st Review (by: Foggy) 4 591
I finished my IVA four months ago but still get letters from creditorsI finished my IVA four months ago but still get letters from creditors (by: lesley) 7 995
How do I address the question of how much equity is payable in a full and final offer ?How do I address the question of how much equity is payable in a full and final offer ? (by: Foggy) 3 581
How will marriage affect my IVA commitment ?How will marriage affect my IVA commitment ? (by: Lisa Thomas) 9 749
Valuation for equity releaseValuation for equity release (by: Lisa Thomas) 7 1286
What are my options after failing IVA ?What are my options after failing IVA ? (by: Lisa Thomas) 4 729
After F&F in January, not yet received CC. Can I lease a car ?After F&F in January, not yet received CC. Can I lease a car ? (by: Lisa Thomas) 5 716
What will I need to show my IP for family member to make an offer to clear my IVA ?What will I need to show my IP for family member to make an offer to clear my IVA ? (by: Lisa Thomas) 4 764
Creditfix final months!Creditfix final months! (by: Lisa Thomas) 5 923
Does tax office notify accountant of IVA ?Does tax office notify accountant of IVA ? (by: Lisa Thomas) 4 756
Equity Release Help?Equity Release Help? (by: Carl.ph) 26 1401
My wife is terrified she will lose the home. I have breeched my IVA, and lost my job.My wife is terrified she will lose the home. I have breeched my IVA, and lost my job. (by: Lisa Thomas) 10 1028
Will the IVA take my back pay ?Will the IVA take my back pay ? (by: Andy Davie) 4 883
How do we resolve CCJ that we knew nothing about ?How do we resolve CCJ that we knew nothing about ? (by: Andy Davie) 3 615
When is an IVA legally considered complete ?When is an IVA legally considered complete ? (by: Foggy) 3 621
What is the latest on PPI ?What is the latest on PPI ? (by: Foggy) 2 510
If I were to live in a property which my partner purchased would this affect my IVA ?If I were to live in a property which my partner purchased would this affect my IVA ? (by: Foggy) 3 467
HELP NEEDED DEFAULT ON IVA NOW OVER 6 YEARSHELP NEEDED DEFAULT ON IVA NOW OVER 6 YEARS (by: TP83) 7 840
Should our full and final offer be accepted, what are our financial responsibilities afterwards ?Should our full and final offer be accepted, what are our financial responsibilities afterwards ? (by: MKM76) 4 763
Can anyone explain why my husbands total debt has increased ? Very confused. QCan anyone explain why my husbands total debt has increased ? Very confused. Q (by: Andy Davie) 3 749
Been refused a mortgage. My IVA finished in November. 2012Been refused a mortgage. My IVA finished in November. 2012 (by: nonewdebt) 5 951
Does tax rebate go straight to IVA ?Does tax rebate go straight to IVA ? (by: Foggy) 2 763
We are coming to the end of an IVA,  what comes next ?We are coming to the end of an IVA, what comes next ? (by: Foggy) 4 822
Would I be able to buy shares ? Will this be seen as having excess income ?Would I be able to buy shares ? Will this be seen as having excess income ? (by: Radish) 7 1050
Can I switch IVA companies ?Can I switch IVA companies ? (by: Andy Davie) 3 767
Month 54 valuationMonth 54 valuation (by: Foggy) 4 846
Are there any companies who are willing to offer remortgage within IVA?Are there any companies who are willing to offer remortgage within IVA? (by: Foggy) 2 745
lifenoteasylifenoteasy (by: lifenoteasy) 2 756
its now time to attempt to remorgage,  i have no idea where to start.its now time to attempt to remorgage, i have no idea where to start. (by: Foggy) 3 855
Proposal clarification please.Proposal clarification please. (by: vlc1507) 18 1238
I am worried about getting so far and now causing problems with cashing in shares before IVAI am worried about getting so far and now causing problems with cashing in shares before IVA (by: Lisa Thomas) 6 963
Looking for an IVA office in PortsmouthLooking for an IVA office in Portsmouth (by: Lisa Thomas) 4 849
Would these creditors normally be in favour of a variation such as mine ?Would these creditors normally be in favour of a variation such as mine ? (by: Lisa Thomas) 15 1208
Failed IVAFailed IVA (by: Lisa Thomas) 10 1185
Can I add a relatives name to my mortgage ? Are there any negative implications ?Can I add a relatives name to my mortgage ? Are there any negative implications ? (by: Michael Peoples) 3 806
How will entering an IVA affect getting a mortgage later on ?How will entering an IVA affect getting a mortgage later on ? (by: Foggy) 2 854
Closure ProcedureClosure Procedure (by: mole) 6 992
What could be the possible reasons for an IVA being suspended ?What could be the possible reasons for an IVA being suspended ? (by: Foggy) 2 930
if my wife owes money to IVA in the UKif my wife owes money to IVA in the UK (by: Foggy) 2 890
Final Settlement  Bankruptcy ?Final Settlement Bankruptcy ? (by: marathonman) 9 691
12 payments made12 payments made (by: recovering) 32 3554
Ive paid off my IVA.  Can I apply for a credit card ? Need it for car rental abroad.Ive paid off my IVA. Can I apply for a credit card ? Need it for car rental abroad. (by: doritos) 5 865
Can you please confirm some things for me ?Can you please confirm some things for me ? (by: Foggy) 5 1204
We have been unsuccessful in updating defaults on Noddle. Accounts were satisfied 2013.We have been unsuccessful in updating defaults on Noddle. Accounts were satisfied 2013. (by: Foggy) 2 796
Is it right that IVA company I have started again with are asking me to pay another 5 years ?Is it right that IVA company I have started again with are asking me to pay another 5 years ? (by: Foggy) 3 867
Freeman Jones Complaint Full & Final SettlementFreeman Jones Complaint Full & Final Settlement (by: welshwiz) 29 3990
Not happy with equity releaseNot happy with equity release (by: Indeep) 6 1178
f and ff and f (by: linrog) 9 1043
Question about IVAs "Additional payments"Question about IVAs "Additional payments" (by: Lisa Thomas) 5 1052
IVA not on ExperianIVA not on Experian (by: Emmie) 3 853
A little worried as I just came across this reference to EIC being would up Court.A little worried as I just came across this reference to EIC being would up Court. (by: lifenoteasy) 2 976
hiya, getting to the end of our IVA, wondering how finances have been managed by others ?hiya, getting to the end of our IVA, wondering how finances have been managed by others ? (by: thisusernameistaken) 7 1043
Hiya. I am trying to find a mortgage, I completed my IVA in July 2014Hiya. I am trying to find a mortgage, I completed my IVA in July 2014 (by: Ryan) 5 1029
Who should I contact to get IVA removed from my credit file ?Who should I contact to get IVA removed from my credit file ? (by: helentheblue) 5 1113
Credit fix and equity release Positive news!!Credit fix and equity release Positive news!! (by: Foggy) 19 2225
Do you think this F&F would be acceptable ?Do you think this F&F would be acceptable ? (by: Foggy) 3 947
Is my wife, who is not part of the IVA, entitled to her share of the PPI on overdraft ?Is my wife, who is not part of the IVA, entitled to her share of the PPI on overdraft ? (by: Chrisd6855) 12 1794
Help To Buy eligibilityHelp To Buy eligibility (by: Ryan) 18 4351
Full & final offersFull & final offers (by: Lisa Thomas) 14 1243
i just recently claimed back PPI. need the money or Ill be bankrupt againi just recently claimed back PPI. need the money or Ill be bankrupt again (by: size5) 5 1056
It appears it is over for me!It appears it is over for me! (by: Lisa Thomas) 5 1196
After a successful F&F offer, am I free in terms of my earnings ?After a successful F&F offer, am I free in terms of my earnings ? (by: Lisa Thomas) 7 1058
Hi, I have recently gained a place at university to undertake a nursing degree.Hi, I have recently gained a place at university to undertake a nursing degree. (by: Michael Peoples) 5 1041
Full & Final Offer dateadvicFull & Final Offer dateadvic (by: Lisa Thomas) 7 1003
Looking for job that allows me to continue IVA.  Will debts from my current company affect this ?Looking for job that allows me to continue IVA. Will debts from my current company affect this ? (by: Foggy) 2 868
Month 54 ValuationsMonth 54 Valuations (by: Lisa Thomas) 9 1022
Hi My husbands IVA was completed 2 years ago. Could we be accepted on help to buyHi My husbands IVA was completed 2 years ago. Could we be accepted on help to buy (by: Shaun Vickery) 4 1295
Can you get a mortgage if you pay your IVA off ?Can you get a mortgage if you pay your IVA off ? (by: Shaun Vickery) 3 935
Grant Thornton customer servicesGrant Thornton customer services (by: bombshell) 119 13624
I really want to do a degree course in September.I really want to do a degree course in September. (by: Evilmoo) 9 991
What happens with our mortgage if we take an IVA ?What happens with our mortgage if we take an IVA ? (by: Foggy) 5 964
What happens with a substantial difference between amount we say we owe and amount claimed ?What happens with a substantial difference between amount we say we owe and amount claimed ? (by: Foggy) 5 1009
Completion Certificate Has ArrivedCompletion Certificate Has Arrived (by: Dougie) 7 1290
Equity release interlocking IVAEquity release interlocking IVA (by: fruitloop) 31 4421
Are there any lenders who would consider me for a mortgage 3 years post IVA ?Are there any lenders who would consider me for a mortgage 3 years post IVA ? (by: Shaun Vickery) 4 969
Partnership queryPartnership query (by: Lisa Thomas) 6 1166
Wondering if it is a viable option to move in with boyfriend ?Wondering if it is a viable option to move in with boyfriend ? (by: Andy Davie) 4 837
little confusedlittle confused (by: Michael Peoples) 6 962

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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.

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