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Top 150 Debt Questions from the IVA Forum
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TitlePostsViews
AffordabilityAffordability (by: MrsR) 4 328
Hubby has new job with irregular overtimeHubby has new job with irregular overtime (by: MrsR) 10 408
CREDITFIX ????CREDITFIX ???? (by: leaKybrain) 28 1225
Hi,Can anyone tell me what Step Change will ask for in my first annual review ?Hi,Can anyone tell me what Step Change will ask for in my first annual review ? (by: Sandy.n) 1 74
Who is responsible for removing land registry restriction ? Will this affect mortgage application ?Who is responsible for removing land registry restriction ? Will this affect mortgage application ? (by: Foggy) 2 139
variation updatevariation update (by: Peejayel) 10 599
PPI reclaim from a very old loan. Is there any chance I will see any of it ?PPI reclaim from a very old loan. Is there any chance I will see any of it ? (by: Tim24752) 3 77
Please advise on the best way to check my credit filePlease advise on the best way to check my credit file (by: kev59) 12 360
Definitions ...Credifix again sorryDefinitions ...Credifix again sorry (by: Foggy) 20 444
Credit File ProblemCredit File Problem (by: Foggy) 2 131
T&C arrived in post todayT&C arrived in post today (by: abbiesmum2003) 14 440
Upcoming change in bank account rulesUpcoming change in bank account rules (by: kazzafunk) 2 323
Creditfix state that there may be up to anothers years payment. Pleased to hear views on this.Creditfix state that there may be up to anothers years payment. Pleased to hear views on this. (by: kazzafunk) 4 284
CreditfixCreditfix (by: hubert) 5 303
I am about to lose my job. Would this Full and Final offer be considered ?I am about to lose my job. Would this Full and Final offer be considered ? (by: Foggy) 3 189
equity releassequity releass (by: dancer) 4 244
Insolvency RegisterInsolvency Register (by: seagulls) 7 397
Could a debt be written off after entering into an IVA .Could a debt be written off after entering into an IVA . (by: Foggy) 2 395
Hi, what is a reasonable F&F settlement percentage ?Hi, what is a reasonable F&F settlement percentage ? (by: Foggy) 2 79
Do my winnings have to be declared ?Do my winnings have to be declared ? (by: Radish) 9 439
DFD dragging their feetDFD dragging their feet (by: Broke n down) 10 1460
YESSSSYESSSS (by: welshwiz) 12 450
Death and IVADeath and IVA (by: Andy Davie) 2 378
I am losing my overtime, is it possible to get a new income and expenses form ?I am losing my overtime, is it possible to get a new income and expenses form ? (by: Michael Peoples) 7 408
Has anyone any experience with an ejo?Has anyone any experience with an ejo? (by: lesley) 10 417
Removing default after receiving completion certificate ?Removing default after receiving completion certificate ? (by: villapb) 5 315
Closing IVA early ?Closing IVA early ? (by: Foggy) 2 303
GT letter re: PPI Statutory InterestGT letter re: PPI Statutory Interest (by: marksam1) 11 465
Hypothetical question re inheritanceHypothetical question re inheritance (by: Foggy) 3 275
Will it make any difference now that I have changed from being self employed to employed ?Will it make any difference now that I have changed from being self employed to employed ? (by: Michael Peoples) 5 168
CAB say check line is a scam.CAB say check line is a scam. (by: Michael Peoples) 4 397
IVA APPROVED!IVA APPROVED! (by: cjgirl) 12 3005
credit score issue?credit score issue? (by: bobbydavro) 8 853
Hi All Hoping someone can offer advice as I am confused about PPI and starting eBay business.Hi All Hoping someone can offer advice as I am confused about PPI and starting eBay business. (by: cjgirl) 8 1331
Creditfix Amended T&Cs the calls have started!Creditfix Amended T&Cs the calls have started! (by: hubert) 24 1389
Im not a cheatIm not a cheat (by: plasticdaft) 17 1293
Pay out redress after communication delayPay out redress after communication delay (by: linrog) 6 420
What will happen to joint debts if I enter an IVA ?What will happen to joint debts if I enter an IVA ? (by: Michael Peoples) 3 560
How much to offer?How much to offer? (by: lesley) 8 477
Scottish IVA paid in full two years ago. When will credit rating improve enough to get a loan ?Scottish IVA paid in full two years ago. When will credit rating improve enough to get a loan ? (by: plasticdaft) 4 424
PPI can I keep anything?PPI can I keep anything? (by: cjgirl) 5 484
Credit fix: no sign of annual reviewCredit fix: no sign of annual review (by: Cleo76) 17 1368
Will a potential landlord see I have an IVA ? Do they generally do credit checks ?Will a potential landlord see I have an IVA ? Do they generally do credit checks ? (by: Foggy) 2 375
After paying F&F 2 years early, do I still have to wait 6 years before the start to get a mortgage ?After paying F&F 2 years early, do I still have to wait 6 years before the start to get a mortgage ? (by: luluj) 5 532
My wife was recently awarded mobility allowance. Can we voluntarily terminate car HP ?My wife was recently awarded mobility allowance. Can we voluntarily terminate car HP ? (by: Doubleblow) 6 575
Is this variation by one of my creditors, in relation to overall deficit, within tolerance ?Is this variation by one of my creditors, in relation to overall deficit, within tolerance ? (by: Andy Davie) 3 402
Creditors meetingCreditors meeting (by: Melba) 24 583
Claiming PPI interest after completion certificate received ?Claiming PPI interest after completion certificate received ? (by: Peejayel) 7 550
Is it fair for DFD to now introduce new system to repay earlier 15% payment reductionsIs it fair for DFD to now introduce new system to repay earlier 15% payment reductions (by: Evette Everest) 4 217
Urgent need to have bankruptcy charge lifted on my property. IVA completed in August.Urgent need to have bankruptcy charge lifted on my property. IVA completed in August. (by: Michael Peoples) 2 412
Could my potential bonus payments be offered to reduce the term of my IVA ?Could my potential bonus payments be offered to reduce the term of my IVA ? (by: dancer) 15 671
iva lengthiva length (by: nu4an) 5 437
Nothing is showing about us ever being in an IVA. Can banks still check ?Nothing is showing about us ever being in an IVA. Can banks still check ? (by: Foggy) 3 502
paying off ivapaying off iva (by: Foggy) 2 447
Can we do a joint IVA ?Can we do a joint IVA ? (by: Foggy) 3 403
Has anyone on here been turned down for an IVA ? I would appreciate any help you can give me.Has anyone on here been turned down for an IVA ? I would appreciate any help you can give me. (by: Foggy) 3 550
Creditfix Income and Expenditure formCreditfix Income and Expenditure form (by: hubert) 2 519
I cannot pay debt after failed IVAI cannot pay debt after failed IVA (by: Mari.02) 14 717
F & FF & F (by: Foggy) 20 818
What happens to PPI reclaimed after IVA completed with Grant Thornton ?What happens to PPI reclaimed after IVA completed with Grant Thornton ? (by: Foggy) 4 492
What information do I need for my first telephone appointment to set up an IVA ?What information do I need for my first telephone appointment to set up an IVA ? (by: seagulls) 5 563
Can a person who is in prison commence an IVA or bankruptcy ?Can a person who is in prison commence an IVA or bankruptcy ? (by: size5) 7 622
What now ?What now ? (by: Ryan) 7 475
Is this right?Is this right? (by: Andy Davie) 6 637
PJG told us we would be finished in November.  Creditfix tell us we have to pay another year.PJG told us we would be finished in November. Creditfix tell us we have to pay another year. (by: Andy Davie) 9 856
Ive just received a letter from my IVA  company threatening bankruptcyIve just received a letter from my IVA company threatening bankruptcy (by: Andy Davie) 13 393
Restarting as a sole trader after previous similar business models have been dissolved ?Restarting as a sole trader after previous similar business models have been dissolved ? (by: Foggy) 2 457
All monies on my IVA are now paid up. Do I keep pension lump sum ?All monies on my IVA are now paid up. Do I keep pension lump sum ? (by: Garyd0559) 5 561
Car credit question ....againCar credit question ....again (by: Mark1980) 3 349
Second annual review and payments have increased substantially.  Can they do this ?Second annual review and payments have increased substantially. Can they do this ? (by: lesley) 5 695
Will going slightly overdrawn prevent the completion of my IVA,  which is due shortly ?Will going slightly overdrawn prevent the completion of my IVA, which is due shortly ? (by: lesley) 4 587
Confused about equity clause!Confused about equity clause! (by: Foggy) 5 599
Creditfix  last paymentCreditfix last payment (by: Cleo76) 6 920
Insolvency Register  Annoyed!Insolvency Register Annoyed! (by: Jules79) 31 1568
Is there a time limit on IVA fraud or hiding assets ?Is there a time limit on IVA fraud or hiding assets ? (by: Andy Davie) 6 851
Am I allowed to sell credit after having an IVA ?Am I allowed to sell credit after having an IVA ? (by: lesley) 5 668
Is it OK to cancel standing order to company that talked me into going bankrupt ?Is it OK to cancel standing order to company that talked me into going bankrupt ? (by: lesley) 4 673
Im being made redundant, now only have my pension to live on. How will this effect my payments ?Im being made redundant, now only have my pension to live on. How will this effect my payments ? (by: Andy Davie) 4 568
Do you think creditors will accept lump sum I am considering for a full and final offer ?Do you think creditors will accept lump sum I am considering for a full and final offer ? (by: kazzafunk) 4 674
Struggling with very low living expenses. Can these be increased ?Struggling with very low living expenses. Can these be increased ? (by: kazzafunk) 4 731
Can council tax on a house I let be included in an IVA ?Can council tax on a house I let be included in an IVA ? (by: Michael Peoples) 2 721
Advice needed on IVA and bankruptcy courtAdvice needed on IVA and bankruptcy court (by: Michael Peoples) 3 843
When payment breaks were taken I was paying less than now. Do I pay them now at old rate ?When payment breaks were taken I was paying less than now. Do I pay them now at old rate ? (by: Jayne.pn) 7 664
How long does an annual review take?How long does an annual review take? (by: luluj) 5 706
Being made to feel like a child by shouting and telling me off on the phone. Please any advice ?Being made to feel like a child by shouting and telling me off on the phone. Please any advice ? (by: lesley) 4 949
Transferred to Creditfix, no idea who they are. Can I cancel IVA and go into DMP ?Transferred to Creditfix, no idea who they are. Can I cancel IVA and go into DMP ? (by: Foggy) 2 710
PPI quite peed offPPI quite peed off (by: Foggy) 10 2400
I am in an IVA that I feel I was bullied into.  Please adviseI am in an IVA that I feel I was bullied into. Please advise (by: luluj) 3 948
I am about to start a new job. Is a company credit card allowed or will I be credit checked ?I am about to start a new job. Is a company credit card allowed or will I be credit checked ? (by: Cleo76) 7 865
Confusion over DWPConfusion over DWP (by: dancer) 3 844
IVA and PregnancyIVA and Pregnancy (by: Foggy) 2 845
Will I lose pension to IVA as GT have not yet sent completion certificate ?Will I lose pension to IVA as GT have not yet sent completion certificate ? (by: Foggy) 9 1001
My IP has NOW suggested that I may struggle to get a lender to provide an Equity Release facility.My IP has NOW suggested that I may struggle to get a lender to provide an Equity Release facility. (by: PMG) 21 1126
GUIDANCEGUIDANCE (by: Foggy) 2 743
Blog of the week winnerBlog of the week winner (by: relieved33) 886 114769
Creditfix againCreditfix again (by: ivamess) 6 713
Concerned but dont want to be seen as interfering.Concerned but dont want to be seen as interfering. (by: Foggy) 2 895
Is it possble to operate an unconsolidated credit or shop card in an IVA ?Is it possble to operate an unconsolidated credit or shop card in an IVA ? (by: Foggy) 2 817
Is this a scam ?Is this a scam ? (by: Foggy) 2 784
VanquisVanquis (by: TzeKin) 53 4650
Does the part inheritance of a house count as an asset towards an IVA  ?Does the part inheritance of a house count as an asset towards an IVA ? (by: Timothy.w) 10 346
pay rise and pension increasepay rise and pension increase (by: Foggy) 10 732
Can I ask for time in my IVA to be shortened as I have been awarded a large PPI payout ?Can I ask for time in my IVA to be shortened as I have been awarded a large PPI payout ? (by: Andy Davie) 4 915
Have just been award a PIP benefit, is this taken into consideration with IVA ?Have just been award a PIP benefit, is this taken into consideration with IVA ? (by: Foggy) 2 226
Can I get helptobuy mortgage very soon after my credit record is cleared ?Can I get helptobuy mortgage very soon after my credit record is cleared ? (by: Ryan) 3 800
PPI and the IPs legal right to itPPI and the IPs legal right to it (by: Foggy) 8 2063
dealings with Creditfixdealings with Creditfix (by: Garcks) 6 1231
I would be grateful for advice after failure of IVA.  I am being pursued by creditor.I would be grateful for advice after failure of IVA. I am being pursued by creditor. (by: Juliet) 6 1109
How do I work out how much to offer for a settlement ?How do I work out how much to offer for a settlement ? (by: Foggy) 2 919
Could NRAMs insistence on a 6 year term possibly be overturned to 5 years ?Could NRAMs insistence on a 6 year term possibly be overturned to 5 years ? (by: Foggy) 3 828
What happens if I make things to sell without being able to say how much I would make ?What happens if I make things to sell without being able to say how much I would make ? (by: Louise.mn) 8 1025
My dad is a guarantor on my mortgage. Will this make any difference to my IVA ?My dad is a guarantor on my mortgage. Will this make any difference to my IVA ? (by: Andy Davie) 3 963
Is there a formal certificate of discharge after one year ?Is there a formal certificate of discharge after one year ? (by: luluj) 2 928
Early SettlementEarly Settlement (by: Foggy) 2 156
settlementsettlement (by: Foggy) 3 779
Variation Meeting Tuesday!Variation Meeting Tuesday! (by: seagulls) 16 1456
Thinking that IVA finished after the 60th payment, I took out a loan. Will this now fail my IVA ?Thinking that IVA finished after the 60th payment, I took out a loan. Will this now fail my IVA ? (by: linrog) 13 1294
CreditfixCreditfix (by: JetSetWilly) 17 1616
Signed Creditfix T&Cs?Signed Creditfix T&Cs? (by: flossom) 6 944
What should I offer if I am in a position to make a final figure, taking into account IP fee ?What should I offer if I am in a position to make a final figure, taking into account IP fee ? (by: Foggy) 3 947
Just had visit with advisor from Credit fix of Glascow. Are they legit ? Worried sick nowJust had visit with advisor from Credit fix of Glascow. Are they legit ? Worried sick now (by: hubert) 7 1187
Since moving in with partner 2 years ago my IVA company have been factoring in her incomeSince moving in with partner 2 years ago my IVA company have been factoring in her income (by: Foggy) 4 1027
Could I bring my IVA to a close early ? What impact would this have on my credit file ?Could I bring my IVA to a close early ? What impact would this have on my credit file ? (by: Foggy) 3 826
i have a debt plan with another company, can i change to an IVA ?i have a debt plan with another company, can i change to an IVA ? (by: size5) 4 253
Freeman Jones  additional monies owedFreeman Jones additional monies owed (by: Sarah Jolly) 5 1350
Is IVA really over, or do i need a letter from the courts for confirmation ?Is IVA really over, or do i need a letter from the courts for confirmation ? (by: lesley) 6 844
Creditfix PPICreditfix PPI (by: flossom) 3 1111
I dont understand the difference between an IVA and a DMP ?I dont understand the difference between an IVA and a DMP ? (by: Peejayel) 5 1057
CREDIT FIX WANT ME TO SIGN THISCREDIT FIX WANT ME TO SIGN THIS (by: ridingthestorm) 130 5892
Full and Final acceptedFull and Final accepted (by: Jules79) 11 590
Im trying to clear up my credit but currently feel that this IVA is going to follow me foreverIm trying to clear up my credit but currently feel that this IVA is going to follow me forever (by: urbanfox) 3 990
completing ivacompleting iva (by: pennieless) 3 1018
What happens now I am in the closure part of the IVA ? It seems EIF may hold things up .What happens now I am in the closure part of the IVA ? It seems EIF may hold things up . (by: Foggy) 2 1092
I have been sent a Refund for a missold PPI.I have been sent a Refund for a missold PPI. (by: Foggy) 3 1109
GT say they have no record of IVA passed to them 2009. How do I get this sorted ?GT say they have no record of IVA passed to them 2009. How do I get this sorted ? (by: luluj) 5 1152
Do I have any rights if my IVA company is taken over by another IVA company ?Do I have any rights if my IVA company is taken over by another IVA company ? (by: kazzafunk) 6 1235
Is it correct that PPI money is classed as a windfall ?Is it correct that PPI money is classed as a windfall ? (by: kazzafunk) 7 1196
Clifford WattsClifford Watts (by: harrysmummy78) 18 1786
Does IVA include council tax and tax credit debt ?Does IVA include council tax and tax credit debt ? (by: Michael Peoples) 2 1102
Can we get a legally binding agreement to protect my interests from separated husbands IVACan we get a legally binding agreement to protect my interests from separated husbands IVA (by: Michael Peoples) 2 1182
Do creditors have the right to include large debt at late stage of IVA ?Do creditors have the right to include large debt at late stage of IVA ? (by: Michael Peoples) 2 1056
Mortgage success  hope for the futureMortgage success hope for the future (by: Garcks) 8 1110
DFD advising if we do not sign variation we will probably not conclude when we should.DFD advising if we do not sign variation we will probably not conclude when we should. (by: Evette Everest) 7 1294
variation on 17th Decvariation on 17th Dec (by: Foggy) 5 1186
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: Foggy) 64 15455
Ive Really Messed Up  Any way back?Ive Really Messed Up Any way back? (by: Jules79) 24 3326
Waiting for completion certificate.  When am I able to start rebuilding my credit rating ?Waiting for completion certificate. When am I able to start rebuilding my credit rating ? (by: Foggy) 2 1146
Grrrr MaestroGrrrr Maestro (by: hubert) 3 1273
CreditFix Annual ReportCreditFix Annual Report (by: Cleo76) 7 1705
What happens to the moneyWhat happens to the money (by: Foggy) 2 908

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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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