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Top 150 Debt Questions from the IVA Forum
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TitlePostsViews
Advice please about where I stand as regards to maternity benefitAdvice please about where I stand as regards to maternity benefit (by: Foggy) 2 28
What else happens in month 54 beside the equity clause ?What else happens in month 54 beside the equity clause ? (by: Foggy) 2 22
How can I contact EIC to find what is happening with my PPI ?How can I contact EIC to find what is happening with my PPI ? (by: Foggy) 2 25
Is there anything we can do to start paying off our house ? We are on an interest only mortgageIs there anything we can do to start paying off our house ? We are on an interest only mortgage (by: Foggy) 2 29
My business partner is getting an IVA. Will this affect application for a business grant ?My business partner is getting an IVA. Will this affect application for a business grant ? (by: Jane.dj) 1 8
Would I be able to buy a percentage of a shared ownership house for cash ?Would I be able to buy a percentage of a shared ownership house for cash ? (by: Foggy) 2 17
PPI 4 years after CompletionPPI 4 years after Completion (by: recovering) 3 74
I have done my utmost to pay as much as possible but now hours are being cutI have done my utmost to pay as much as possible but now hours are being cut (by: Debbie.mc) 5 193
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) 8 452
Update. Gt interlocking Iva and equity clause.Update. Gt interlocking Iva and equity clause. (by: vlc1507) 13 307
Why would a company want to pay my PPI back to clear a debt they had written off ?Why would a company want to pay my PPI back to clear a debt they had written off ? (by: Vinnie) 5 174
Hi Im a bit bewildered by a letter from GTHi Im a bit bewildered by a letter from GT (by: lifenoteasy) 5 268
Is having an IVA a criminal record ?Is having an IVA a criminal record ? (by: Foggy) 9 567
Im in the last few months of an IVA and we are at the equity release stage.Im in the last few months of an IVA and we are at the equity release stage. (by: Foggy) 3 141
My partner has an IVA. His outgoings are actually more than his income.My partner has an IVA. His outgoings are actually more than his income. (by: Foggy) 3 171
just thinking.............if my IVA has been extended,  can I pay it off early ?just thinking.............if my IVA has been extended, can I pay it off early ? (by: Foggy) 3 71
A bit confused that PPI has been sent to me. Is it mine or will I get any of it ?A bit confused that PPI has been sent to me. Is it mine or will I get any of it ? (by: Foggy) 3 112
PPI 4 years after completionPPI 4 years after completion (by: plasticdaft) 7 319
My wife and I have an IVA and we are really strugglingMy wife and I have an IVA and we are really struggling (by: Foggy) 2 149
reviewreview (by: recovering) 8 526
Creditors Meeting in 2 Weeks O oCreditors Meeting in 2 Weeks O o (by: Helen.k) 12 358
Can anyone tell me if I have worked out my mortgage redemption figure correctly ?Can anyone tell me if I have worked out my mortgage redemption figure correctly ? (by: Foggy) 11 354
I am currently a trustee for a charity and have an IVAI am currently a trustee for a charity and have an IVA (by: nursecrippin) 5 280
what happens to accountswhat happens to accounts (by: luluj) 4 261
Can I get help ? Am single parent on benefits.Can I get help ? Am single parent on benefits. (by: Foggy) 2 229
Surely it is wrong that most of PPI claims have gone to claims and IVA management companies ?Surely it is wrong that most of PPI claims have gone to claims and IVA management companies ? (by: MerlinL14) 8 532
Closure processClosure process (by: creditnomore) 4 281
Does PPI interest go to IVA claimant ?Does PPI interest go to IVA claimant ? (by: Foggy) 2 234
DFD want parents to take out a secured loan for 11 years. My Dad retires in 5.DFD want parents to take out a secured loan for 11 years. My Dad retires in 5. (by: Til) 4 457
I have been in an IVA for 8 YEARS. How can I find out whats going on ? At my whits end.I have been in an IVA for 8 YEARS. How can I find out whats going on ? At my whits end. (by: Lisa Thomas) 12 1704
What does it mean for me if a creditor doesnt agree with terms and arrangements of IVA ?What does it mean for me if a creditor doesnt agree with terms and arrangements of IVA ? (by: Lisa Thomas) 6 382
F&F concerns...F&F concerns... (by: Lisa Thomas) 6 284
anyone any idea how I change my username?anyone any idea how I change my username? (by: Eggs are ace) 6 294
Door knockingDoor knocking (by: lifenoteasy) 5 314
NRAM say happy to include shortfall in IVA.  DFD say it is not included.NRAM say happy to include shortfall in IVA. DFD say it is not included. (by: Michael Peoples) 3 316
Freeman Jones complaint resolvedFreeman Jones complaint resolved (by: luluj) 163 33297
GT ask us to release equity but I dont think this is right according to 85% LTV clause.GT ask us to release equity but I dont think this is right according to 85% LTV clause. (by: vlc1507) 10 393
PPI ChequePPI Cheque (by: DCX1983) 8 1132
How can an IVA fail when I never signed any documentation agreeing to it ?How can an IVA fail when I never signed any documentation agreeing to it ? (by: Foggy) 3 351
Starting recovery process. How long does it take to receive CC ?  Having problems leasing a carStarting recovery process. How long does it take to receive CC ? Having problems leasing a car (by: urbanfox) 5 347
Early Settlement?Early Settlement? (by: James83) 20 693
What would happen if I dont complete a last set of accounts after my IVA finished ?What would happen if I dont complete a last set of accounts after my IVA finished ? (by: Foggy) 13 647
panic and worrypanic and worry (by: Lisa Thomas) 7 520
Im in deep trouble. Harrington Brooks insist on increased payment as wife is not interested in IVA.Im in deep trouble. Harrington Brooks insist on increased payment as wife is not interested in IVA. (by: Lisa Thomas) 38 1562
Hi what happens if Im in an IVA and the court orders me a share of my exs pension fund ?Hi what happens if Im in an IVA and the court orders me a share of my exs pension fund ? (by: Michael Peoples) 4 360
Will payPlan accept a F&F for my husband, due to be retired due to ill health ?Will payPlan accept a F&F for my husband, due to be retired due to ill health ? (by: JulieJ) 6 497
Max RecoveryMax Recovery (by: JJSIDE) 15 972
Could someone please advise on the proper way to propose a F & F settlement ?Could someone please advise on the proper way to propose a F & F settlement ? (by: Michael Peoples) 4 351
Cannot afford increase. Surely McCambridge Dufy cant base my payments on working OT?Cannot afford increase. Surely McCambridge Dufy cant base my payments on working OT? (by: achus007) 7 701
Life after IVALife after IVA (by: Ryan) 8 466
Would I be able to pay equity amount with money borrowed from family members ?Would I be able to pay equity amount with money borrowed from family members ? (by: Michael Peoples) 5 300
IVA is in my name, mortgage in joint name.  My partner does not wish to remortgage.IVA is in my name, mortgage in joint name. My partner does not wish to remortgage. (by: Michael Peoples) 5 420
Starting to feel very anxious about our variation meeting at the end of May.Starting to feel very anxious about our variation meeting at the end of May. (by: lesley) 5 343
Can I change my IP ?Can I change my IP ? (by: lesley) 4 336
QueryQuery (by: linrog) 5 436
HMRC stopped pursuing my penalties in 2007. Can they now ask for money ?HMRC stopped pursuing my penalties in 2007. Can they now ask for money ? (by: Lisa Thomas) 2 316
IVA has been going on for 7 years. Last payment March. How long does CC take to arrive ?IVA has been going on for 7 years. Last payment March. How long does CC take to arrive ? (by: Foggy) 3 200
Being stupid!Being stupid! (by: Lisa Thomas) 8 605
Contacted by a company about IVAs. Will it go against me that I have spent so much recently ?Contacted by a company about IVAs. Will it go against me that I have spent so much recently ? (by: Lisa Thomas) 6 279
Why does IP say I need remortgage no equityWhy does IP say I need remortgage no equity (by: Ike) 70 4992
unfair or not?unfair or not? (by: Foggy) 16 515
Im 4 yrs into my Ive & Im sure I didnt sign RX1Im 4 yrs into my Ive & Im sure I didnt sign RX1 (by: mole) 4 496
DefaultsDefaults (by: Foggy) 15 688
Creditfix say they cant call a creditors meeting before a mass variation with PJG creditors.Creditfix say they cant call a creditors meeting before a mass variation with PJG creditors. (by: lifenoteasy) 8 620
New Head of Insolvency at DFDNew Head of Insolvency at DFD (by: Doneover) 33 3899
Worried that I have a lot of equity in my houseWorried that I have a lot of equity in my house (by: Michael Peoples) 8 650
Can a second IVA be taken out after failure of first ? I am now in a better financial positionCan a second IVA be taken out after failure of first ? I am now in a better financial position (by: Foggy) 3 450
I am a bit confused about variation. I havent been told by DFD what I am being charged for.I am a bit confused about variation. I havent been told by DFD what I am being charged for. (by: Evette Everest) 3 482
Ive been told that in certain circumstances the last 3 months of IVA are cancelled.Ive been told that in certain circumstances the last 3 months of IVA are cancelled. (by: Lisa Thomas) 7 569
Can I get my own house valuation?  I dont agree with IPs valuation.Can I get my own house valuation? I dont agree with IPs valuation. (by: Michael Peoples) 23 2503
Foggy and Frugal FriendsFoggy and Frugal Friends (by: Lisa Thomas) 18 753
Why so long to close?Why so long to close? (by: MrsR) 10 859
Equity release.  This is the part we have been dreading. Can you question valuation ?Equity release. This is the part we have been dreading. Can you question valuation ? (by: nursecrippin) 12 607
Last payment to Clear Debt December 2012, still no letter of discharge despite my phone calls.Last payment to Clear Debt December 2012, still no letter of discharge despite my phone calls. (by: Foggy) 2 444
ICO  Insolvency RegisterICO Insolvency Register (by: lifenoteasy) 3 500
ClearDebt and Mass VariationClearDebt and Mass Variation (by: Dougie) 26 3569
Will I get a certificate after settling IVA ?Will I get a certificate after settling IVA ? (by: James83) 5 485
Will the year spent paying DMP come off the duration of my IVA ?Will the year spent paying DMP come off the duration of my IVA ? (by: Peejayel) 5 592
12 payments made12 payments made (by: Rickne) 6 482
Will my husbands IVA, completed 2010, go against us on the help to buy scheme ?Will my husbands IVA, completed 2010, go against us on the help to buy scheme ? (by: Michael Peoples) 3 480
When initially entering the IVA my property was in negative equity but this has changedWhen initially entering the IVA my property was in negative equity but this has changed (by: Foggy) 3 485
Finished five year IVA in November 2014. Where do I start tidying up credit reports ?Finished five year IVA in November 2014. Where do I start tidying up credit reports ? (by: Foggy) 2 475
We are both in an IVA.  What if my partner fails hers  ? What happens to mortgage ?We are both in an IVA. What if my partner fails hers ? What happens to mortgage ? (by: Lisa Thomas) 3 565
What happens if someone receives a legacy in premium bonds ?What happens if someone receives a legacy in premium bonds ? (by: Lisa Thomas) 5 588
I have not be contacted by IVA company for 4 years despite my phone calls.I have not be contacted by IVA company for 4 years despite my phone calls. (by: Lisa Thomas) 4 788
Im just coming up to my first year on an IVA and now self employed. Will my IVA still be OK ?Im just coming up to my first year on an IVA and now self employed. Will my IVA still be OK ? (by: vlc1507) 4 511
Just wondered how long it takes to draft a variation document.Just wondered how long it takes to draft a variation document. (by: Steven1001) 8 790
PPI.  High Court Ruling ?PPI. High Court Ruling ? (by: Michael Peoples) 5 702
Would it be possible to offer a full and final ?Would it be possible to offer a full and final ? (by: Lisa Thomas) 11 856
full & final with house salefull & final with house sale (by: Michael Peoples) 5 1246
Feeling fed upFeeling fed up (by: lesley) 13 1199
What happens if partner, who earns less and has other expenses, doesnt pay into household bills ?What happens if partner, who earns less and has other expenses, doesnt pay into household bills ? (by: Foggy) 3 520
Can I offer the PPI interest I have received as a F&F ? Is there any danger it will be taken back ?Can I offer the PPI interest I have received as a F&F ? Is there any danger it will be taken back ? (by: Foggy) 3 507
completion certificatecompletion certificate (by: ashb) 12 1782
Sent all necessary paperwork for a F&F but not heard from IVA company despite reminders.Sent all necessary paperwork for a F&F but not heard from IVA company despite reminders. (by: Foggy) 3 530
Try to release equity clauseTry to release equity clause (by: Indeep) 5 738
Interlocking IVAs and separationInterlocking IVAs and separation (by: Foggy) 3 539
Will we be able to port our mortgage to downsize after full and final settlement ?Will we be able to port our mortgage to downsize after full and final settlement ? (by: Foggy) 3 237
Hi. I am wondering what are my chances of obtaining a mortgage.Hi. I am wondering what are my chances of obtaining a mortgage. (by: Foggy) 2 545
IVA CompleteIVA Complete (by: country girl) 11 1017
Can I enter an IVA and will this stop bailiffs ? I have been on incapacity benefit for years.Can I enter an IVA and will this stop bailiffs ? I have been on incapacity benefit for years. (by: lifenoteasy) 4 296
Urgent advice needed .Urgent advice needed . (by: Foggy) 24 4276
4th Annual Review4th Annual Review (by: Foggy) 2 570
How would it affect a guarantor ?How would it affect a guarantor ? (by: Foggy) 2 546
Is this normal for paperwork after month 54 ?Is this normal for paperwork after month 54 ? (by: Foggy) 3 584
Creditfix reviewCreditfix review (by: Keiron) 8 867
Last payment to IVA March after 7 long years. When do I check IVA is removed from records ?Last payment to IVA March after 7 long years. When do I check IVA is removed from records ? (by: luluj) 3 265
I made it!I made it! (by: plasticdaft) 10 832
How long does it take to proceed with a settlement after the offer has been made ?How long does it take to proceed with a settlement after the offer has been made ? (by: Foggy) 2 330
Not sure if I should accept new job. If my payments increase would my IVA end early ?Not sure if I should accept new job. If my payments increase would my IVA end early ? (by: Foggy) 5 639
To throw or not to throwTo throw or not to throw (by: Sharon.10) 26 1310
Bank accountBank account (by: Radish) 12 940
I want to go for an IVA process.  Confused as to which company will be good for me.I want to go for an IVA process. Confused as to which company will be good for me. (by: lifenoteasy) 8 753
Hello, we would be very grateful for any advice on how we can best pay off credit cardsHello, we would be very grateful for any advice on how we can best pay off credit cards (by: Andy Davie) 2 355
Contact!Contact! (by: Lisa Thomas) 8 839
Do you tell your children about your Debt problems ?Do you tell your children about your Debt problems ? (by: Lisa Thomas) 9 813
Who gets what from PPI claim ? How much is eventually left for my creditors ?Who gets what from PPI claim ? How much is eventually left for my creditors ? (by: Foggy) 14 2094
Full & Final payment offer  GT resistanceFull & Final payment offer GT resistance (by: Foggy) 24 1987
Should I expect anything different in the final review ?Should I expect anything different in the final review ? (by: lesley) 6 885
Accepted :)Accepted :) (by: lesley) 27 1347
Can anyone recommend an IVA friendly car insurance ?Can anyone recommend an IVA friendly car insurance ? (by: lesley) 15 2159
Hi  I just want know if you can move your IVA into another company ?Hi I just want know if you can move your IVA into another company ? (by: lifenoteasy) 5 443
Equity releaseEquity release (by: marathonman) 56 3346
Hi,I am in need of some financial advice regarding an IVA and moving houseHi,I am in need of some financial advice regarding an IVA and moving house (by: Foggy) 2 703
Can I get out of IVA as its proving to be causing me more stress ?Can I get out of IVA as its proving to be causing me more stress ? (by: Foggy) 2 777
My husband, who pays my IVA, is refusing to pay more now his wages have increasedMy husband, who pays my IVA, is refusing to pay more now his wages have increased (by: Foggy) 3 781
Statement detailsStatement details (by: Foggy) 4 770
I want to make an offer to pay off early.I want to make an offer to pay off early. (by: Michael Peoples) 4 754
I entered IVA 2008 and signed a RX1 form, how do I get this removed from land registry ?I entered IVA 2008 and signed a RX1 form, how do I get this removed from land registry ? (by: Foggy) 3 794
Paid one month only of IVA December 2007.  How do I get details removed from register ?Paid one month only of IVA December 2007. How do I get details removed from register ? (by: Michael Peoples) 2 782
Am I allowed to obtain new wheels and tyres on finance ?Am I allowed to obtain new wheels and tyres on finance ? (by: Lisa Thomas) 4 819
Am I better off going bankrupt ?Am I better off going bankrupt ? (by: Lisa Thomas) 5 857
Proposed variation commentsProposed variation comments (by: Andy Davie) 6 968
All done and dustedAll done and dusted (by: Slowlygoingunder) 10 473
Equity release interlocking IVAEquity release interlocking IVA (by: Lou74) 28 2278
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) 82 6949
Equity release. Absolutely gutted if we have to do another year due to delay by  CleardebtEquity release. Absolutely gutted if we have to do another year due to delay by Cleardebt (by: relieved33) 3 462
What options do I have to replace my car ?What options do I have to replace my car ? (by: Foggy) 3 817
With regards to child benefit and IVAs, please advise me.With regards to child benefit and IVAs, please advise me. (by: Michael Peoples) 16 620
Hi i am now clear of an IVA a would like advice for getting a mortgageHi i am now clear of an IVA a would like advice for getting a mortgage (by: Gavin.j) 5 945
Natwest confusionNatwest confusion (by: Jeano99) 6 1001
Started IVA 09. Sold our house to make F&F offer, received CC. Now looking for mortgage.Started IVA 09. Sold our house to make F&F offer, received CC. Now looking for mortgage. (by: Matt.h) 4 832
Insolvency RegisterInsolvency Register (by: relieved33) 8 983
Call pre creditors meeting tomorrowCall pre creditors meeting tomorrow (by: Foggy) 4 903
I received a certificate of completion in September 2013. What happens to PPI payout ?I received a certificate of completion in September 2013. What happens to PPI payout ? (by: Michael Peoples) 3 869
IVA revoke?IVA revoke? (by: Michael Peoples) 12 2689
Nearing the end and needing advice!Nearing the end and needing advice! (by: Andy Davie) 5 921
I was declared debt free in July 2012 I have not received a certificate.  Do I need it ?I was declared debt free in July 2012 I have not received a certificate. Do I need it ? (by: luluj) 3 829
Does the money I have received from PPI go to reducing the remainder of the IVA ?Does the money I have received from PPI go to reducing the remainder of the IVA ? (by: Foggy) 3 862
My final payment was on the 9th April. A long ride since 2007. What do I do now ?My final payment was on the 9th April. A long ride since 2007. What do I do now ? (by: Foggy) 2 797

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So Glad We Did It - by , 19/09/2012
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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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