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Top 150 Debt Questions from the IVA Forum
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TitlePostsViews
Can we call creditors meetingsCan we call creditors meetings (by: doritos) 21 452
I am concerned about possible effects of new partner moving into my house.I am concerned about possible effects of new partner moving into my house. (by: hubert) 2 40
nationwidenationwide (by: doritos) 7 205
what do you make of this. Creditfixwhat do you make of this. Creditfix (by: chocoholic2) 106 2356
I need to know which bank will accept me ?I need to know which bank will accept me ? (by: Paddington1958) 3 45
Two years onTwo years on (by: abbiesmum2003) 3 117
I am very unnerved by demands from debt collectors after IVA finished January 2013I am very unnerved by demands from debt collectors after IVA finished January 2013 (by: hubert) 11 776
We have a joint mortgage. If my wife does not agree to equity release will IVA be extended ?We have a joint mortgage. If my wife does not agree to equity release will IVA be extended ? (by: hubert) 2 47
Can somebody on IVA be a financial deputy for disabled unable to look after their own finance ?Can somebody on IVA be a financial deputy for disabled unable to look after their own finance ? (by: Adam.47) 1 29
OMG!!!OMG!!! (by: lesley) 10 307
A couple of quick questionsA couple of quick questions (by: MarkH2) 5 327
Would our home, which in my wifes name be subject to an equity clause ?Would our home, which in my wifes name be subject to an equity clause ? (by: Thomas.s) 1 32
EIFEIF (by: Struzzo39) 1 45
IVA company refusing to let me sell my house to pay off IVA.  Why ?IVA company refusing to let me sell my house to pay off IVA. Why ? (by: Michael Peoples) 2 78
I have signed agreement to new terms but DFD still withholding CC. Final payment August 2014.I have signed agreement to new terms but DFD still withholding CC. Final payment August 2014. (by: William.02) 2 68
Shall I just wait to hear from Freeman Jones or get in touch again ?Shall I just wait to hear from Freeman Jones or get in touch again ? (by: Lesley.01) 11 320
Is it right that will be charged 2 payments to set up an IVA ?Is it right that will be charged 2 payments to set up an IVA ? (by: ST1100) 10 282
PPI Grant Thornton EICPPI Grant Thornton EIC (by: foreverbroke) 9 486
Am I correct in thinking cost of living pay rises do not go into IVA ? PayPlan want a review.Am I correct in thinking cost of living pay rises do not go into IVA ? PayPlan want a review. (by: Andy Davie) 3 151
Debt helpDebt help (by: Michael Peoples) 9 151
A day I never thought would come!A day I never thought would come! (by: reesay) 6 856
Can the repayment of an outstanding debt be used as a Full and Final ?Can the repayment of an outstanding debt be used as a Full and Final ? (by: Michael Peoples) 2 81
F&F GuidanceF&F Guidance (by: mummyx2) 5 87
Can I negotiate a lump sum payment to each creditor direct or through the IVA company ?Can I negotiate a lump sum payment to each creditor direct or through the IVA company ? (by: ilikewatch) 2 109
My brother in law is in a mess,  can I have some contact details for him to get help ?My brother in law is in a mess, can I have some contact details for him to get help ? (by: Michael Peoples) 7 236
Would property and mortgage, in my wifes name, be subject to equity release if I get an IVA?Would property and mortgage, in my wifes name, be subject to equity release if I get an IVA? (by: Michael Peoples) 3 126
what happens after f&f is accepted?what happens after f&f is accepted? (by: Michael Peoples) 12 653
Red lettersRed letters (by: vito) 45 1962
Cleaning up after IVACleaning up after IVA (by: Jethro) 6 366
Can I get into trouble for getting credit before my 5  6 years is up ? IVA paid off early.Can I get into trouble for getting credit before my 5 6 years is up ? IVA paid off early. (by: luluj) 3 238
With PPI we paid well over what we were asked to pay and at our age we wont be able to remortgage.With PPI we paid well over what we were asked to pay and at our age we wont be able to remortgage. (by: lilaclady2k) 4 168
completioncompletion (by: country girl) 14 504
What would be my best option?  My daughter is ill and I need to finish work to care for her.What would be my best option? My daughter is ill and I need to finish work to care for her. (by: lesley) 7 247
Creditfix againCreditfix again (by: lesley) 3 240
Please can you suggest a way forward.  We are struggling to get by.Please can you suggest a way forward. We are struggling to get by. (by: lesley) 6 257
Im moving to Australia in september, currently 3 years into an IVA.  Can I declare bankruptcy ?Im moving to Australia in september, currently 3 years into an IVA. Can I declare bankruptcy ? (by: lesley) 6 249
Hello Im so confused by the IVA Im inHello Im so confused by the IVA Im in (by: Debbie.j) 24 2882
Full & Final payment offer  GT resistanceFull & Final payment offer GT resistance (by: Michael Peoples) 20 559
annual reviewannual review (by: ilikewatch) 18 486
Would my having an IVA have an effect on partners credit rating if I move in ?Would my having an IVA have an effect on partners credit rating if I move in ? (by: Michael Peoples) 2 142
How can PPI claims be classed as a windfallHow can PPI claims be classed as a windfall (by: size5) 4 119
extra pay this monthextra pay this month (by: abbiesmum2003) 7 249
DuplicateDuplicate (by: tulac) 2 130
Would I be allowed to join a sharesave scheme?Would I be allowed to join a sharesave scheme? (by: Andy Davie) 33 2529
Will it effect me in any way if my partner, who has an IVA, moves into my house ?Will it effect me in any way if my partner, who has an IVA, moves into my house ? (by: Andy Davie) 2 169
Will a past IVA be picked up on a Baseline Standard Verification Record ?Will a past IVA be picked up on a Baseline Standard Verification Record ? (by: ilikewatch) 4 244
I have fallen victim to IVA Checkline Spam.  I have lost a large sum.  What should I do ?I have fallen victim to IVA Checkline Spam. I have lost a large sum. What should I do ? (by: Michael Peoples) 3 426
Creditfixme@ totally confusedCreditfixme@ totally confused (by: hubert) 26 783
Have I answered this correctly ?Have I answered this correctly ? (by: luluj) 3 209
I understood my IVA had be paid off with a PPI claim. Just been told by GT I still owe the money.I understood my IVA had be paid off with a PPI claim. Just been told by GT I still owe the money. (by: luluj) 5 417
Where do I start with getting completed IVA removed from the insolvency register and credit files ?Where do I start with getting completed IVA removed from the insolvency register and credit files ? (by: luluj) 2 242
Ryan contactRyan contact (by: luluj) 2 255
Could anyone please offer me a crumb of comfort. Told my IVA could go on for years !Could anyone please offer me a crumb of comfort. Told my IVA could go on for years ! (by: Til) 17 1308
Can a family member help out during the IVA without the  IP having any right to question ?Can a family member help out during the IVA without the IP having any right to question ? (by: CreditKing) 8 333
Creditfix not playing ballCreditfix not playing ball (by: lesley) 22 1321
Can family tax credit arrears be added to my IVA ?Can family tax credit arrears be added to my IVA ? (by: Michael Peoples) 3 259
Entered into an IVA in July last year and this included a tax credits overpayment.Entered into an IVA in July last year and this included a tax credits overpayment. (by: Michael Peoples) 2 174
Is an IVA the same as bankruptcy when applying for jobs ?Is an IVA the same as bankruptcy when applying for jobs ? (by: Andy Davie) 3 256
Im confused about equityIm confused about equity (by: Michael Peoples) 2 218
i have a current IVA. I wish to set up a business bank account as I have just been made redundant.i have a current IVA. I wish to set up a business bank account as I have just been made redundant. (by: Michael Peoples) 2 214
Updating credit reportUpdating credit report (by: sunkendrailer) 4 423
Credit not fixCredit not fix (by: Michael Peoples) 7 504
Hi I have just paid out my IVA and now learnt of another PPI claim.  W.here do I stand on this ?Hi I have just paid out my IVA and now learnt of another PPI claim. W.here do I stand on this ? (by: Andy Davie) 3 332
CreditFix annual review completeCreditFix annual review complete (by: Rickne) 16 893
Getting a joint mortgage ? My partner has an IVA. I have been unsuccessful trying on my own.Getting a joint mortgage ? My partner has an IVA. I have been unsuccessful trying on my own. (by: ilikewatch) 4 285
I will be looking to get a mortgage as soon as I can when IVA clears off my credit file.I will be looking to get a mortgage as soon as I can when IVA clears off my credit file. (by: luluj) 2 300
Clifford WattsClifford Watts (by: recovering) 7 388
CreditFix Clients Look hereCreditFix Clients Look here (by: harrysmummy78) 31 2066
My AnniversaryMy Anniversary (by: Struzzo39) 8 407
Credit not fixCredit not fix (by: hubert) 2 335
If I get an IVA, will this effect my husband or daughter getting credit ?If I get an IVA, will this effect my husband or daughter getting credit ? (by: Andy Davie) 5 477
Entered IVA in July 2013, paid off in October 2014. How long before I am registered as solvent ?Entered IVA in July 2013, paid off in October 2014. How long before I am registered as solvent ? (by: ilikewatch) 5 484
Completion IssuesCompletion Issues (by: sofrustrated) 28 2138
Car finance in IVACar finance in IVA (by: SuperGert) 4 428
I have received a cheque,  can my IVA company ask for all of that money ?I have received a cheque, can my IVA company ask for all of that money ? (by: Michael Peoples) 3 173
An appointment with Debt Maze solutions.  Is this a recognised Debt Management company ?An appointment with Debt Maze solutions. Is this a recognised Debt Management company ? (by: Michael Peoples) 3 359
Over payment questionOver payment question (by: Michael Peoples) 5 378
Hi,  can anyone help? Should I continue making payments to creditors until IVA is set up ?Hi, can anyone help? Should I continue making payments to creditors until IVA is set up ? (by: El Presidio) 14 428
While I am awaiting closure, can I put my house on the market without approval or query ?While I am awaiting closure, can I put my house on the market without approval or query ? (by: Michael Peoples) 3 347
Waiting for CC.  Looking to move next month, but having problems finding a guarantor.Waiting for CC. Looking to move next month, but having problems finding a guarantor. (by: lesley) 7 539
Do you think PLJ would consider reducing fees to support my F&F offer ?Do you think PLJ would consider reducing fees to support my F&F offer ? (by: lesley) 2 319
I am sick with worry about whether all my new wage will be taken & what will happen about equityI am sick with worry about whether all my new wage will be taken & what will happen about equity (by: Michael Peoples) 6 334
I dont understand what Creditfix have actually taken over as creditors have agreed out F & FI dont understand what Creditfix have actually taken over as creditors have agreed out F & F (by: Michael Peoples) 4 460
Is it possible to move home if your family has outgrown current home ?Is it possible to move home if your family has outgrown current home ? (by: Michael Peoples) 3 165
Considering offering a F&FConsidering offering a F&F (by: Michael Peoples) 3 397
Mortgage after IVAMortgage after IVA (by: luluj) 10 8229
we are looking at the option of purchasing a house in 12 to 18 months.we are looking at the option of purchasing a house in 12 to 18 months. (by: luluj) 3 472
After one year completed,  would IVA company reduce their fees to support a lump sum offer ?After one year completed, would IVA company reduce their fees to support a lump sum offer ? (by: Michael Peoples) 3 538
CreditfixCreditfix (by: Lou74) 42 1461
SO CreditfixSO Creditfix (by: recovering) 6 661
F & F questionF & F question (by: Foggy) 2 141
Power of attorneyPower of attorney (by: chocoholic2) 7 571
advice needed plsadvice needed pls (by: luluj) 13 583
Awarded more than I expected for personal injury claim.  Where do I stand with my IVA ?Awarded more than I expected for personal injury claim. Where do I stand with my IVA ? (by: recovering) 4 634
Is there anything I should be doing as I feel like Im being led down the garden path & conned ?Is there anything I should be doing as I feel like Im being led down the garden path & conned ? (by: Foggy) 22 1072
Would this amount be acceptable to creditors as a full and final ?Would this amount be acceptable to creditors as a full and final ? (by: Michael Peoples) 7 570
Another equity release question.Another equity release question. (by: Michael Peoples) 4 508
How can it be that payments are to be increased whilst earnings have decreased ?How can it be that payments are to be increased whilst earnings have decreased ? (by: Michael Peoples) 2 522
Is there any way I can get credit ? I am an OAP and my cooker has broken, and cant be fixed.Is there any way I can get credit ? I am an OAP and my cooker has broken, and cant be fixed. (by: cerberus) 4 600
Is it correct that any joint debt appears as full debt on both our financial statements ?Is it correct that any joint debt appears as full debt on both our financial statements ? (by: cerberus) 4 328
Annual reviewAnnual review (by: cerberus) 3 591
Joint LoansJoint Loans (by: cerberus) 5 539
GREG CREDITFIXGREG CREDITFIX (by: hubert) 33 1085
Mental health issues and debtMental health issues and debt (by: recovering) 3 576
Can I live abroad when in an IVA?Can I live abroad when in an IVA? (by: Michael Peoples) 3 519
I am about to go into an IVA , do i have to include a zero balance credit card on debt total ?I am about to go into an IVA , do i have to include a zero balance credit card on debt total ? (by: Michael Peoples) 7 576
Equity Release  My ViewEquity Release My View (by: Goosed) 4 856
EquityEquity (by: Simbel) 6 602
Would I be allowed refinance balloon figure ?Would I be allowed refinance balloon figure ? (by: Michael Peoples) 3 555
Can Creditfix force us to sign new terms and conditions on our existing IVA ?Can Creditfix force us to sign new terms and conditions on our existing IVA ? (by: abbiesmum2003) 12 760
How much disposable income is considered too much ? Mine is taken up with payday loans.How much disposable income is considered too much ? Mine is taken up with payday loans. (by: Michael Peoples) 5 727
What happens if I have a house that I live in with equity and a rented house with none ?What happens if I have a house that I live in with equity and a rented house with none ? (by: Michael Peoples) 3 597
If we cannot raise funds via remortgage or secured loan, will Debt Lifeboat add another year ?If we cannot raise funds via remortgage or secured loan, will Debt Lifeboat add another year ? (by: Michael Peoples) 3 671
Is it possible to earn too much to enter into an IVA ?Is it possible to earn too much to enter into an IVA ? (by: Michael Peoples) 4 792
Will I still be on the insolvency register for 5 to 6 years after paying my IVA off after 2 years ?Will I still be on the insolvency register for 5 to 6 years after paying my IVA off after 2 years ? (by: luluj) 2 518
Revised dividendRevised dividend (by: Tillergirl) 3 612
PPI Offset  Statutory InterestPPI Offset Statutory Interest (by: Foggy) 2 650
Creditfix & completion certificateCreditfix & completion certificate (by: LittleTiger) 12 989
Completion Certificate Received!Completion Certificate Received! (by: LittleTiger) 15 974
How can I get my IVA completed ? 60 payments made, now P60s for last 5 years wanted.How can I get my IVA completed ? 60 payments made, now P60s for last 5 years wanted. (by: Foggy) 2 712
RentingRenting (by: Sarahd0114) 4 643
My company use American Express for travelling and expenses. Should I complete an application ?My company use American Express for travelling and expenses. Should I complete an application ? (by: MerlinL14) 4 390
Selling house due to work commitments. Can we keep enough to cover initial rent, bond etc ?Selling house due to work commitments. Can we keep enough to cover initial rent, bond etc ? (by: Michael Peoples) 2 614
Insolvency RegisterInsolvency Register (by: Foggy) 3 610
Would the proceeds from my house be acceptable as a full and final offer ?Would the proceeds from my house be acceptable as a full and final offer ? (by: Michael Peoples) 4 657
Should I accept a redundancy package and make a F&F offer, or is it too risky ?Should I accept a redundancy package and make a F&F offer, or is it too risky ? (by: Michael Peoples) 2 597
Hi everybody,This is my first time posting on here. We are seriously considering bankruptcy.Hi everybody,This is my first time posting on here. We are seriously considering bankruptcy. (by: Michael Peoples) 3 761
Received an Estimated Outcome including Statuary interest from Creditfix . I am a bit confusedReceived an Estimated Outcome including Statuary interest from Creditfix . I am a bit confused (by: Michael Peoples) 2 424
Does your employer get informed ?  Why has my husbands income been included ?Does your employer get informed ? Why has my husbands income been included ? (by: Michael Peoples) 6 885
Told we will have to pay statuary interest on the whole sum for 60 months plus extensionTold we will have to pay statuary interest on the whole sum for 60 months plus extension (by: Foggy) 5 659
Is DLA taken into account for IVA payments ?Is DLA taken into account for IVA payments ? (by: Foggy) 3 580
What will happen if my IVA practitioner makes me bankrupt ?What will happen if my IVA practitioner makes me bankrupt ? (by: Andy Davie) 8 906
VB have passed me to another company?VB have passed me to another company? (by: Andy Davie) 9 836
Freeman JonesFreeman Jones (by: welshwiz) 4 269
CC letterCC letter (by: welshwiz) 6 810
Can a Landlord still keep his portfolio of properties with an IVA ?Can a Landlord still keep his portfolio of properties with an IVA ? (by: Michael Peoples) 4 827
Worried that IVA may fail as we cant keep up current payments when I am on maternity leave.Worried that IVA may fail as we cant keep up current payments when I am on maternity leave. (by: Michael Peoples) 8 537
For info...CreditfixFor info...Creditfix (by: CreditFix) 42 2049
Now have a repossession court hearing.  What are my options ?Now have a repossession court hearing. What are my options ? (by: Chappie) 10 1168
Can I refuse to sign papers to claim PPI  ?Can I refuse to sign papers to claim PPI ? (by: Heretoday) 4 793
IVA and Credit File  Completion or Automatic?IVA and Credit File Completion or Automatic? (by: Foggy) 2 617
Stepchange guidelines 2014Stepchange guidelines 2014 (by: doritos) 10 971
Thinking about an IVA. How would items on credit affect this? Would I have to send them back ?Thinking about an IVA. How would items on credit affect this? Would I have to send them back ? (by: Foggy) 4 705
Would this full and final offer be accepted  ? I have gone through chemo, am now due surgery.Would this full and final offer be accepted ? I have gone through chemo, am now due surgery. (by: Foggy) 9 785
Please can anyone provide DFD standing order details ? Original accidentally deleted.Please can anyone provide DFD standing order details ? Original accidentally deleted. (by: Evette Everest) 8 999
Will equity release figure stay constant or be increased due to house price rise etc ?Will equity release figure stay constant or be increased due to house price rise etc ? (by: Evette Everest) 4 656
We are being pushed down a secured loan route with an obscene interest rateWe are being pushed down a secured loan route with an obscene interest rate (by: Evette Everest) 16 1653
Due to miss a car paymentDue to miss a car payment (by: El Presidio) 4 629
My daughter and her husband are in an IVA. What happens when the marriage falls apart ?My daughter and her husband are in an IVA. What happens when the marriage falls apart ? (by: Foggy) 2 606
My IVA is for a total of 6 years. Told I am entitled to any interest portion of PPIMy IVA is for a total of 6 years. Told I am entitled to any interest portion of PPI (by: Foggy) 2 751

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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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