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Top 150 Debt Questions from the IVA Forum
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TitlePostsViews
Petrol expensesPetrol expenses (by: Grayson.sc) 6 238
Had CC but GT cannot send interest on PPI as they havent got a data base set up yet !!Had CC but GT cannot send interest on PPI as they havent got a data base set up yet !! (by: plasticdaft) 4 69
There doesnt seem to be any guidance about a Full & Final settlement by Freeman Jones.There doesnt seem to be any guidance about a Full & Final settlement by Freeman Jones. (by: Charlee) 141 13453
Just discovered that I have a hold on my account for an IVA that I never went ahead with.Just discovered that I have a hold on my account for an IVA that I never went ahead with. (by: lesley) 17 1326
Think I have made itThink I have made it (by: janjan) 7 225
DMP but on JobSeekers income, and HB proof?DMP but on JobSeekers income, and HB proof? (by: luluj) 4 179
Hello. We have finished paying for our IVA October 2012. No completion cert. is this normal?Hello. We have finished paying for our IVA October 2012. No completion cert. is this normal? (by: luluj) 3 90
Is an annual review needed as I have my completion certificate ?Is an annual review needed as I have my completion certificate ? (by: Andy Davie) 4 196
Ryan at Zebra MoneyRyan at Zebra Money (by: sammy1) 11 402
Is IVA similar to bankruptcy ?Is IVA similar to bankruptcy ? (by: Foggy) 3 132
I have an IVA and jointly have a mortgage.  What happens when mortgage payments reduce ?I have an IVA and jointly have a mortgage. What happens when mortgage payments reduce ? (by: Michael Peoples) 4 97
Hi. I started my IVA back in 20056.  Still have no closure certificate from GT.Hi. I started my IVA back in 20056. Still have no closure certificate from GT. (by: Tazzy266) 1 58
I have emailed and telephoned Freeman Jones many times and have yet to receive a responseI have emailed and telephoned Freeman Jones many times and have yet to receive a response (by: Steven Hewitt) 3 114
Im currently in an IVA and desperately need to move houseIm currently in an IVA and desperately need to move house (by: hwima) 4 738
Deciding to sell property at the end of IVA ?Deciding to sell property at the end of IVA ? (by: Magpie28) 8 278
Can my wifes endowment policies be taken by my IVA ?Can my wifes endowment policies be taken by my IVA ? (by: Michael Peoples) 7 278
In an IVA, does the monthly payment get split between creditors every month ?In an IVA, does the monthly payment get split between creditors every month ? (by: Michael Peoples) 8 150
How long before my credit file is healthy enough for a standard mortgage rate ?How long before my credit file is healthy enough for a standard mortgage rate ? (by: suky424) 3 253
I entered into an IVA two months ago. Would it be a wise move to sell up and wipe out debts ?I entered into an IVA two months ago. Would it be a wise move to sell up and wipe out debts ? (by: Nutkins) 8 345
When is the legal charge on a house removed ?When is the legal charge on a house removed ? (by: JULIERATTY) 4 249
Mortgage review 26th AprilMortgage review 26th April (by: MelanieGiles) 7 323
I & EI & E (by: MelanieGiles) 4 309
I have an IVA which was set up in December 2013. Should I ignore creditor harassment ?I have an IVA which was set up in December 2013. Should I ignore creditor harassment ? (by: MelanieGiles) 3 226
getting completion from GTgetting completion from GT (by: MelanieGiles) 14 1881
Once you have had an IVA can you take out another one in later years ?Once you have had an IVA can you take out another one in later years ? (by: MelanieGiles) 8 342
CCP have sent me claim forms for compensation. Do the same rules apply as PPI claims ?CCP have sent me claim forms for compensation. Do the same rules apply as PPI claims ? (by: MelanieGiles) 20 1266
How many months of documents do I need to provide for final review ?How many months of documents do I need to provide for final review ? (by: MelanieGiles) 2 208
GT say that issuing my completion certificate was an admin error.GT say that issuing my completion certificate was an admin error. (by: MelanieGiles) 3 296
What percentage of debt would creditors be looking for to accept a Full and Final settlement ?What percentage of debt would creditors be looking for to accept a Full and Final settlement ? (by: NoMoney) 9 661
You have helped me out so well, I feel bad only talking on the forum when I need help!You have helped me out so well, I feel bad only talking on the forum when I need help! (by: plasticdaft) 4 314
A personal loan for a car was included in my IVA but it is unreliable now. Can I sell it ?A personal loan for a car was included in my IVA but it is unreliable now. Can I sell it ? (by: Andy Davie) 3 262
Any ideas?Any ideas? (by: Shaun Vickery) 8 444
We have been told to put our house up for sale by DFD. We are both pensioners. I am 69.We have been told to put our house up for sale by DFD. We are both pensioners. I am 69. (by: Shaun Vickery) 6 680
Querying the case management fee and software maintenance feeQuerying the case management fee and software maintenance fee (by: MelanieGiles) 8 1429
Can I keep small PPI payment ?Can I keep small PPI payment ? (by: MelanieGiles) 10 1425
Credit ReportCredit Report (by: plasticdaft) 3 471
Am I entitled to PPI compensation now I have been discharged from my IVA ?Am I entitled to PPI compensation now I have been discharged from my IVA ? (by: MelanieGiles) 8 775
Am I in breach of IVA due to credit card, not transactorial except for payments to clear ?Am I in breach of IVA due to credit card, not transactorial except for payments to clear ? (by: MelanieGiles) 5 680
How are payments split among creditors?How are payments split among creditors? (by: MelanieGiles) 5 721
Is there a time limit on how long an IVA supervisor can hold off sending a completion certificate ?Is there a time limit on how long an IVA supervisor can hold off sending a completion certificate ? (by: MelanieGiles) 4 463
completioncompletion (by: MelanieGiles) 3 615
How do go about selling house if I dont have the completion certificate ? It has no equity.How do go about selling house if I dont have the completion certificate ? It has no equity. (by: MelanieGiles) 4 413
Meeting bookedMeeting booked (by: MelanieGiles) 17 734
Can I offer a Full and Final settlement with the proceeds from selling my house ?Can I offer a Full and Final settlement with the proceeds from selling my house ? (by: MelanieGiles) 3 399
How will the possibility of getting a bonus affect my IVA ?How will the possibility of getting a bonus affect my IVA ? (by: MelanieGiles) 3 507
Cant Take AnymoreCant Take Anymore (by: MelanieGiles) 6 718
About to consider an IVA.  Now just scared creditors may not agree to an IVAAbout to consider an IVA. Now just scared creditors may not agree to an IVA (by: MelanieGiles) 8 636
RefundRefund (by: MelanieGiles) 9 585
Im in month 54 of my IVA with payplanIm in month 54 of my IVA with payplan (by: NoMoney) 3 302
DFD say I have to find a job or IVA will be extended but I cannot find work.DFD say I have to find a job or IVA will be extended but I cannot find work. (by: MelanieGiles) 4 674
I do not understand what they mean by dividends..I do not understand what they mean by dividends.. (by: MelanieGiles) 3 396
Is there a cap on child care costs ?Is there a cap on child care costs ? (by: MelanieGiles) 6 424
Not Long now Mortgage AdviceNot Long now Mortgage Advice (by: luluj) 3 288
co op bankco op bank (by: villapb) 9 559
Can I get a vanquish credit card after starting an IVA ?Can I get a vanquish credit card after starting an IVA ? (by: Markgen) 13 828
Why wasnt I told that IVA would last another year at the start ?Why wasnt I told that IVA would last another year at the start ? (by: MelanieGiles) 3 470
Cant Take AnymoreCant Take Anymore (by: MelanieGiles) 27 1607
2 years left2 years left (by: baldy) 8 518
How long does it take for name to be removed from register after completion certificate received ?How long does it take for name to be removed from register after completion certificate received ? (by: kazzafunk) 4 443
I cant offord the minimum payments on my bills, I have no assets.  My partner owns his house.I cant offord the minimum payments on my bills, I have no assets. My partner owns his house. (by: Andy Davie) 5 449
Could someone advise me got to mth 54 of IVACould someone advise me got to mth 54 of IVA (by: Michael Peoples) 2 393
How much on average would creditors take as a Full & Final settlement ?How much on average would creditors take as a Full & Final settlement ? (by: Foggy) 2 374
Not sure how we stand while waiting for completion certificate.Not sure how we stand while waiting for completion certificate. (by: bluelagoon) 3 420
Rejected MortgageRejected Mortgage (by: luluj) 10 623
MortgageCredit ScoreIVA completion pending.MortgageCredit ScoreIVA completion pending. (by: luluj) 9 2014
Texts from creditors!Texts from creditors! (by: Bex12) 4 464
FinallyFinally (by: Goosed) 15 741
Variation AcceptedVariation Accepted (by: lesley) 11 699
Which banks will let me remortgage after my IVA finishes ?Which banks will let me remortgage after my IVA finishes ? (by: plasticdaft) 6 672
After an IVAAfter an IVA (by: seagulls) 7 729
Selling property. Willl equity go to creditors and IVA continues or can I offer F&F settlement .Selling property. Willl equity go to creditors and IVA continues or can I offer F&F settlement . (by: Michael Peoples) 3 471
IVA Questions  CCJsIVA Questions CCJs (by: Michael Peoples) 3 510
got to laugh debt purchasing companiesgot to laugh debt purchasing companies (by: Michael Peoples) 5 642
Coop business accountCoop business account (by: UpToMyNeckInIt) 2 437
marlin financial servicesmarlin financial services (by: zaza78) 4 538
Thanks ZebraThanks Zebra (by: Struzzo39) 5 372
Is it all possible to set up a business account ?Is it all possible to set up a business account ? (by: martinw) 11 662
MelanieMelanie (by: ivamess) 11 726
Hi,  I completed my IVA in August 2011.  All advice about applying for a mortgage welcomed.Hi, I completed my IVA in August 2011. All advice about applying for a mortgage welcomed. (by: Michael Peoples) 7 710
I am considering an IVA as I have separated from my partner.I am considering an IVA as I have separated from my partner. (by: Michael Peoples) 4 575
Will my tax rebate go through IVA company ?Will my tax rebate go through IVA company ? (by: Michael Peoples) 2 537
Can I include remittances and allowances sent to my family abroad in my IVA ?Can I include remittances and allowances sent to my family abroad in my IVA ? (by: alameperapautanga) 4 616
personal injury claimpersonal injury claim (by: MelanieGiles) 12 796
If I pay a full & final payment, can we sell our property while waiting for certificate ?If I pay a full & final payment, can we sell our property while waiting for certificate ? (by: MelanieGiles) 2 542
Inheritance QuestionInheritance Question (by: MelanieGiles) 5 644
We finished our IVA January 2014. Can we get a mortgage ?We finished our IVA January 2014. Can we get a mortgage ? (by: Struzzo39) 4 566
Capquest Debt RecoveryCapquest Debt Recovery (by: nomoredosh) 9 677
How does the bank find out about my bankruptcy?How does the bank find out about my bankruptcy? (by: Foggy) 5 768
Am I allowed to take a lease out on a car whilst in my IVA ?Am I allowed to take a lease out on a car whilst in my IVA ? (by: althas) 6 744
Hi, My auntys partner has an IVA.  Can she pay it off ?Hi, My auntys partner has an IVA. Can she pay it off ? (by: Michael Peoples) 2 537
Can we sell our property when we have paid our IVA ?Can we sell our property when we have paid our IVA ? (by: Michael Peoples) 2 533
Confused & angryConfused & angry (by: Struzzo39) 6 749
Hi. Looking forward to what happens when our IVA finishes in JulyHi. Looking forward to what happens when our IVA finishes in July (by: sponge) 2 546
PPI claims firms raking it in.PPI claims firms raking it in. (by: MelanieGiles) 23 2038
Hi,I had an IVA in 2008 which defaulted.Hi,I had an IVA in 2008 which defaulted. (by: MelanieGiles) 4 695
Aaaaarrrrhhh GTAaaaarrrrhhh GT (by: MelanieGiles) 6 1097
Hello,  My girlfriend and I are thinking about entering an IVAHello, My girlfriend and I are thinking about entering an IVA (by: Struzzo39) 6 728
I am coming to the end of my IVAI am coming to the end of my IVA (by: MelanieGiles) 5 826
My husband is in an IVA already.My husband is in an IVA already. (by: MelanieGiles) 5 709
letter  IVA checklineletter IVA checkline (by: MelanieGiles) 5 706
I have an IVA. I am due to inherit an amount not much more than my debtsI have an IVA. I am due to inherit an amount not much more than my debts (by: MelanieGiles) 4 694
We will still be paying Debt Plan for 30 years. I really dont know which way to turnWe will still be paying Debt Plan for 30 years. I really dont know which way to turn (by: MelanieGiles) 6 749
Can my guarantee be called upon ?Can my guarantee be called upon ? (by: MelanieGiles) 5 628
How do I reinstate an IVA ?How do I reinstate an IVA ? (by: MelanieGiles) 4 723
Inheritances againInheritances again (by: luluj) 7 641
Why are my insolvency company taking long time to do the final settlement ?Why are my insolvency company taking long time to do the final settlement ? (by: MelanieGiles) 3 625
OH has had a pay riseOH has had a pay rise (by: MelanieGiles) 4 535
I am about to undergo an IVA.I am about to undergo an IVA. (by: MelanieGiles) 5 656
Afternoon all .Basically Im 19 and loved the payday loansAfternoon all .Basically Im 19 and loved the payday loans (by: MelanieGiles) 9 816
Do I have to declare an IVA after 10 years to release an endowment insurance policy ?Do I have to declare an IVA after 10 years to release an endowment insurance policy ? (by: MelanieGiles) 3 488
Hi all.   I paid my IVA off early in September 2013.Hi all. I paid my IVA off early in September 2013. (by: MelanieGiles) 2 483
Can I pay towards my unemployed husbands household costs and mortgage ?Can I pay towards my unemployed husbands household costs and mortgage ? (by: martinw) 3 507
Is this right??Is this right?? (by: kaza) 8 1184
Last 8 paymentsLast 8 payments (by: welshwiz) 3 578
Finally.....Finally..... (by: Andy Davie) 4 610
Switching Mortgage whilst in an IVASwitching Mortgage whilst in an IVA (by: Michael Peoples) 7 2827
Stopping Childcare Vouchers Question & a PayriseStopping Childcare Vouchers Question & a Payrise (by: Michael Peoples) 4 688
Mortgage success after IVAMortgage success after IVA (by: luluj) 7 2460
Mortgage in PrincipalMortgage in Principal (by: luluj) 52 3793
Question for Experts re PPIQuestion for Experts re PPI (by: Til) 5 1118
I completed my IVA last yearI completed my IVA last year (by: kazzafunk) 4 661
Completion certificate received, advise pleaseCompletion certificate received, advise please (by: kazzafunk) 7 839
IVA Completion notice to creditorsIVA Completion notice to creditors (by: darthivader) 8 1136
Hi we completed our IVA and now having to pay costs of PPI. No way we can afford it.Hi we completed our IVA and now having to pay costs of PPI. No way we can afford it. (by: Foggy) 6 1049
Can I go into an IVA even though I am currently not receiving demand letters?Can I go into an IVA even though I am currently not receiving demand letters? (by: MelanieGiles) 5 918
Can I have PPI compensation paid to me after my IVA finishes in June ?Can I have PPI compensation paid to me after my IVA finishes in June ? (by: MelanieGiles) 3 883
Disputed equityDisputed equity (by: MelanieGiles) 10 1059
Advice NeededAdvice Needed (by: MelanieGiles) 7 1109
Can we offer a F&F offer ?Can we offer a F&F offer ? (by: MelanieGiles) 2 832
Creditors meeting eekCreditors meeting eek (by: Bex12) 14 941
Could I use redundancy money to make a full and final settlement ?Could I use redundancy money to make a full and final settlement ? (by: MelanieGiles) 7 874
Cant believe I did this!Cant believe I did this! (by: MelanieGiles) 26 3042
What do I need to do to opt out of my IVA ?What do I need to do to opt out of my IVA ? (by: MelanieGiles) 6 972
How can I avoid being made bankrupt by clear debt ?How can I avoid being made bankrupt by clear debt ? (by: MelanieGiles) 4 993
Hi, been a while since posted.:) just wanted to thank PLJ especially Claire and SueHi, been a while since posted.:) just wanted to thank PLJ especially Claire and Sue (by: MelanieGiles) 3 811
Hi my friend is on debt management and Im worried about her.Hi my friend is on debt management and Im worried about her. (by: MelanieGiles) 6 855
Will an IVA effect my wife in any way as the debts are not in her name ?Will an IVA effect my wife in any way as the debts are not in her name ? (by: MelanieGiles) 7 725
Why would you be subject to fees at the end of the term ?Why would you be subject to fees at the end of the term ? (by: MelanieGiles) 4 783
How much of my state pension will I have to pay into our IVA ?How much of my state pension will I have to pay into our IVA ? (by: MelanieGiles) 3 695
Hi Im considering an IVA but want to learn more IHi Im considering an IVA but want to learn more I (by: MelanieGiles) 9 859
What happens if my IP cannot contact me on day of F&F meeting due to my sisters funeral ?What happens if my IP cannot contact me on day of F&F meeting due to my sisters funeral ? (by: MelanieGiles) 9 893
I am due to complete an IVA in a year, I am concerned about the equity clause.I am due to complete an IVA in a year, I am concerned about the equity clause. (by: MelanieGiles) 2 626
CompletionCompletion (by: Michael Peoples) 5 892
Surely 17 months wait for Certificate is taking the biscuit somewhat ?Surely 17 months wait for Certificate is taking the biscuit somewhat ? (by: seagulls) 4 677
Hi I am 17 months into an IVA with Payplan, and now selling my house to clear my debts.Hi I am 17 months into an IVA with Payplan, and now selling my house to clear my debts. (by: Foggy) 10 922
Marlin defaulting us wrongly all of a suddenMarlin defaulting us wrongly all of a sudden (by: Til) 3 735
Clearing up credit file. Any help appreciated.Clearing up credit file. Any help appreciated. (by: Beans on Toast) 5 948
house valued today!!house valued today!! (by: Christabellesparkle) 8 1058
How will a non guaranteed quarterly and annual bonus affect my IVA ?How will a non guaranteed quarterly and annual bonus affect my IVA ? (by: Peejayel) 5 857
IVA equivalent in USA ?IVA equivalent in USA ? (by: lesley) 2 773

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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.