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Top 150 Debt Questions from the IVA Forum
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TitlePostsViews
If i cash in my pension, do i have to declare it ?If i cash in my pension, do i have to declare it ? (by: Fran.r) 1 5
Struggling to get a mortgage because of the IVA, completed in October 2014.Struggling to get a mortgage because of the IVA, completed in October 2014. (by: Gemma.t) 1 5
Won my case,.  Would creditors accept a F&F with the back pay I have been awarded by DWP ?Won my case,. Would creditors accept a F&F with the back pay I have been awarded by DWP ? (by: Kevindt76) 4 129
Today is D Day!Today is D Day! (by: luluj) 19 528
Why does IP say I need remortgage no equityWhy does IP say I need remortgage no equity (by: vlc1507) 15 251
Bankruptcy or IVABankruptcy or IVA (by: lifenoteasy) 3 93
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: MrsR) 50 3333
Will I have to pay charges on statutory interest sent to me by PayPlan ? I would like to do a F&F.Will I have to pay charges on statutory interest sent to me by PayPlan ? I would like to do a F&F. (by: Foggy) 3 73
Just been advised of F&F settlement figure. The interest and fees are horrific ! Is this normal ?Just been advised of F&F settlement figure. The interest and fees are horrific ! Is this normal ? (by: Foggy) 3 139
I am a private carer and the lady I am looking after is going to a care home.I am a private carer and the lady I am looking after is going to a care home. (by: Foggy) 3 77
Switch back to repayment mortgageSwitch back to repayment mortgage (by: Michael Peoples) 5 154
Bonus CalculationsBonus Calculations (by: Michael Peoples) 10 365
Comments pleaseComments please (by: simon1883) 13 431
Any advice about need to remortgage much appreciated.  GT havent responded to queries.Any advice about need to remortgage much appreciated. GT havent responded to queries. (by: Foggy) 2 85
house salehouse sale (by: Shaun Vickery) 5 336
I am considering selling my house to move in with my mother who needs ongoing care and assistance.I am considering selling my house to move in with my mother who needs ongoing care and assistance. (by: Shaun Vickery) 4 257
Would student finance be considered as new credit?Would student finance be considered as new credit? (by: Foggy) 3 185
Im not a cheatIm not a cheat (by: wolvorob) 31 5399
I would be grateful for any help with tax problem about UTR. I dont want to fall out with Revenue !I would be grateful for any help with tax problem about UTR. I dont want to fall out with Revenue ! (by: Michael Peoples) 5 238
Thank you Freeman JonesThank you Freeman Jones (by: Foggy) 7 177
How long can we expect it to take for our credit rating to be safe to go to a mainstream lender ?How long can we expect it to take for our credit rating to be safe to go to a mainstream lender ? (by: mxgeldar) 5 272
PPI Grant Thornton EICPPI Grant Thornton EIC (by: foreverbroke) 35 3030
Completion Certificate what to do nowCompletion Certificate what to do now (by: lifenoteasy) 3 199
Maxed out Vanquis card and now cant afford minimum payment.  I am in an IVA .Maxed out Vanquis card and now cant afford minimum payment. I am in an IVA . (by: lifenoteasy) 5 348
IVA coming to a EndIVA coming to a End (by: Foggy) 2 221
A good friend has offered me a F&F payment but doesnt want to get involved or contactedA good friend has offered me a F&F payment but doesnt want to get involved or contacted (by: dand) 5 353
Tidying up credit history postIVATidying up credit history postIVA (by: Vignal) 3 191
taking action against my IPtaking action against my IP (by: longslog101) 25 1625
Can I make a full and final offer from proceeds of house sale based on outstanding balance ?Can I make a full and final offer from proceeds of house sale based on outstanding balance ? (by: Michael Peoples) 12 296
Is it correct that all tax refund in full must go towards IVA ? Why is it not 105050 ?Is it correct that all tax refund in full must go towards IVA ? Why is it not 105050 ? (by: Michael Peoples) 8 221
CreditfixCreditfix (by: Backontrack) 8 344
We did itWe did it (by: plasticdaft) 19 512
I  completed my IVA in 2013.  Would money from my Dad after house sale be declared a windfall ?I completed my IVA in 2013. Would money from my Dad after house sale be declared a windfall ? (by: Andy Davie) 4 316
Getting a property valuation and two separate mortgage offers ?Getting a property valuation and two separate mortgage offers ? (by: Ryan) 7 304
Looking for a mortgage deal available to me as an ex IVA person.Looking for a mortgage deal available to me as an ex IVA person. (by: Ryan) 4 227
PJGPJG (by: Keiron) 13 833
Last payment madeLast payment made (by: Cleo76) 13 940
Its finally over!Its finally over! (by: kev59) 10 453
Variation MeetingVariation Meeting (by: country girl) 5 313
Creditors Who Refuse IVA?Creditors Who Refuse IVA? (by: country girl) 22 1778
I need to get my house valuedI need to get my house valued (by: Foggy) 5 214
Husband awarded back paid PIP and additional housing benefit. Do I need to inform IVA ?Husband awarded back paid PIP and additional housing benefit. Do I need to inform IVA ? (by: Helen.76) 3 406
Insolvency listInsolvency list (by: Foggy) 3 326
A joint IVA is in breach. How can I ensure ex partner is chased for half the debt ?A joint IVA is in breach. How can I ensure ex partner is chased for half the debt ? (by: Foggy) 2 189
Have been told that Creditfix have no record of us as clients although they are taking payments.Have been told that Creditfix have no record of us as clients although they are taking payments. (by: Andy Davie) 6 442
Lump sum paymentsLump sum payments (by: lifenoteasy) 13 422
Can I lease a car and how would it affect my IVA ?Can I lease a car and how would it affect my IVA ? (by: lifenoteasy) 5 324
Holiday bonus payHoliday bonus pay (by: Foggy) 18 862
Thinking of complaining about entry on credit file but not sure Im right.  Help please.Thinking of complaining about entry on credit file but not sure Im right. Help please. (by: newbie77) 4 387
Can I get a shared ownership mortgage after my IVA has dropped off my file ?Can I get a shared ownership mortgage after my IVA has dropped off my file ? (by: Robd0782) 21 1354
Getting very concerned about equity releaseGetting very concerned about equity release (by: Goosed) 3 379
My IVA failed after 3 years due to illness and being homeless. What do I do now ?My IVA failed after 3 years due to illness and being homeless. What do I do now ? (by: Foggy) 2 253
My IVA with Knightsbridge has just failed. What are my options, other than just disappearing ?My IVA with Knightsbridge has just failed. What are my options, other than just disappearing ? (by: Michael Peoples) 3 294
Want to change day of payments.Want to change day of payments. (by: Foggy) 3 325
Lending company have an IVA question. What is the correct answer ?Lending company have an IVA question. What is the correct answer ? (by: Foggy) 2 322
Renting nowRenting now (by: Foggy) 4 357
Does being in an IVA have a negative effect on my credit ?Does being in an IVA have a negative effect on my credit ? (by: nonewdebt) 7 796
2 years postIVA2 years postIVA (by: nonewdebt) 6 730
A good news storyA good news story (by: Foggy) 22 1260
Have I Been Mis advisedHave I Been Mis advised (by: Michael Peoples) 9 415
I need a bank account to pay my first IVA instalment on March 9th. Have I left it too late ?I need a bank account to pay my first IVA instalment on March 9th. Have I left it too late ? (by: hubert) 9 343
Last payment march 2014. Just been told we have to pay another year.  How is this fair ?Last payment march 2014. Just been told we have to pay another year. How is this fair ? (by: Foggy) 3 417
Have we breached our IVA terms and conditions ?Have we breached our IVA terms and conditions ? (by: hubert) 9 971
Do the creditors have access to savings accounts ?Do the creditors have access to savings accounts ? (by: hubert) 5 631
advice needed plsadvice needed pls (by: hubert) 11 544
I need a car to get to and from work.  Ive been given a warning about my timekeeping.I need a car to get to and from work. Ive been given a warning about my timekeeping. (by: Skippy) 5 517
With the new pension arrangements can I operate different pensions separately ?With the new pension arrangements can I operate different pensions separately ? (by: Foggy) 2 415
I sometimes use my car for business travel with mileage allowance. Do I have to declare this ?I sometimes use my car for business travel with mileage allowance. Do I have to declare this ? (by: Michael Peoples) 5 521
Can council tax be included in an IVA,  even though a bailiff has been to my home ?Can council tax be included in an IVA, even though a bailiff has been to my home ? (by: Michael Peoples) 5 301
Paid last instalment September 2014. Since then trying to get completion certificate from GTPaid last instalment September 2014. Since then trying to get completion certificate from GT (by: relieved33) 4 712
Having paid for 5 years Im now facing a breach because I wont agree to taking a secured loan.Having paid for 5 years Im now facing a breach because I wont agree to taking a secured loan. (by: thisusernameistaken) 6 807
Which company are the best to go with ?Which company are the best to go with ? (by: thisusernameistaken) 6 771
PPI. How can Supervisors be allowed to charge extortionate interest rate ?PPI. How can Supervisors be allowed to charge extortionate interest rate ? (by: Dee.23) 13 682
Are there any final steps I can take to find out where my PPI money has gone?Are there any final steps I can take to find out where my PPI money has gone? (by: Foggy) 2 345
Does my IVA preclude me from launching a new business venture ?Does my IVA preclude me from launching a new business venture ? (by: thisusernameistaken) 5 422
Is it possible to set up an IVA and exclude business debts which are owed to me ?Is it possible to set up an IVA and exclude business debts which are owed to me ? (by: Michael Peoples) 4 512
Can I keep PPI refund for a loan not included in IVA,  which is now completed ?Can I keep PPI refund for a loan not included in IVA, which is now completed ? (by: Foggy) 2 471
Can I use some of my inheritance for much needed home improvements ?Can I use some of my inheritance for much needed home improvements ? (by: Struzzo39) 3 444
Is PPI classed as additional payments ? Clause states I only need pay 50% of additional paymentsIs PPI classed as additional payments ? Clause states I only need pay 50% of additional payments (by: Foggy) 2 460
Won PPI claim. Does it affect the IVA ?Won PPI claim. Does it affect the IVA ? (by: Foggy) 3 496
Once an IVA is completed and I have the CC, how long does the IVA stay on my credit file ?Once an IVA is completed and I have the CC, how long does the IVA stay on my credit file ? (by: Foggy) 7 636
Are fees included ? Puzzled because in original agreement all fees are includedAre fees included ? Puzzled because in original agreement all fees are included (by: Foggy) 3 566
Full and finalFull and final (by: mrsbee) 10 519
Who would get the best deal in negotiation with the creditors ?Who would get the best deal in negotiation with the creditors ? (by: kazzafunk) 5 644
Should I keep my separate bank accounts after moving in with my partner ?Should I keep my separate bank accounts after moving in with my partner ? (by: Mikedh20) 4 561
Would my partners loan repayments be taken into account when expenditure is worked out ?Would my partners loan repayments be taken into account when expenditure is worked out ? (by: Foggy) 2 556
If I take my pension lump sum early due to ill health,  before I receive my CC,  can it be taken.If I take my pension lump sum early due to ill health, before I receive my CC, can it be taken. (by: seagulls) 4 527
Can I be forced into a secured loan ?Can I be forced into a secured loan ? (by: Michael Peoples) 3 411
I have never sent in payslips due to the fact I have been paid extra bonuses.I have never sent in payslips due to the fact I have been paid extra bonuses. (by: Sarah Jolly) 10 827
My husband has not.maintained payments and sold the family home. I am being taken to court.My husband has not.maintained payments and sold the family home. I am being taken to court. (by: Michael Peoples) 4 399
Small family business. One shareholder has gone bankrupt. Advice pleaseSmall family business. One shareholder has gone bankrupt. Advice please (by: Michael Peoples) 5 343
What options have I got to sign house over to my partner ? It is in both of our names currently.What options have I got to sign house over to my partner ? It is in both of our names currently. (by: Foggy) 3 593
Will any documents be supplied as proof of result of creditors meeting ?Will any documents be supplied as proof of result of creditors meeting ? (by: Foggy) 3 609
"Things will only get better" YEAH RIGHT!"Things will only get better" YEAH RIGHT! (by: Struzzo39) 11 1086
Whats the best course of action for finding a mortgage when the IVA has finished ?Whats the best course of action for finding a mortgage when the IVA has finished ? (by: nonewdebt) 8 687
Credit file wrong infoCredit file wrong info (by: plasticdaft) 4 697
Recently started an IVA. What are the bad sides ? It seems too good to be true.Recently started an IVA. What are the bad sides ? It seems too good to be true. (by: Foggy) 4 715
redundacyredundacy (by: Foggy) 26 1193
How do I start a blog ?How do I start a blog ? (by: luluj) 6 631
Has anybody who has been in an IVA had a successful mortgage application ?Has anybody who has been in an IVA had a successful mortgage application ? (by: nonewdebt) 20 2405
Just want to see what is the likelihood of creditors accepting my Full and Final offer ?Just want to see what is the likelihood of creditors accepting my Full and Final offer ? (by: Foggy) 2 654
My last monthly IVA  payment  paid in August 2014.My last monthly IVA payment paid in August 2014. (by: Foggy) 2 292
Grant Thornton CCGrant Thornton CC (by: banjoplayer) 2 693
if you go on an IVA for 5 years are you allowd  any savings ?if you go on an IVA for 5 years are you allowd any savings ? (by: Foggy) 3 692
IVA helpIVA help (by: Macca2108) 12 609
How likely is it that I will be able to remortgage ?How likely is it that I will be able to remortgage ? (by: Foggy) 4 675
RemortgagingRemortgaging (by: Shaun Vickery) 20 1517
Will I be rejected from job applicationWill I be rejected from job application (by: lifenoteasy) 5 731
Gym membership not listed on annual reviewGym membership not listed on annual review (by: luluj) 9 1058
My IVA shouldve finished Dec 2014 but the company are asking for more paperworkMy IVA shouldve finished Dec 2014 but the company are asking for more paperwork (by: Foggy) 6 716
New IVANew IVA (by: clanger) 16 776
With a low income will I be able to remortgage my house ?With a low income will I be able to remortgage my house ? (by: luluj) 3 195
Quick queryQuick query (by: Slowlygoingunder) 38 1470
Final paymentFinal payment (by: country girl) 8 250
If the sum of my payments reach the total of my loans plus fees, does my IVA finish ?If the sum of my payments reach the total of my loans plus fees, does my IVA finish ? (by: Michael Peoples) 7 856
Freeman Jones Complaint Full & Final SettlementFreeman Jones Complaint Full & Final Settlement (by: welshwiz) 13 876
Will my wifes state pension be subject to submission into the IVA ?Will my wifes state pension be subject to submission into the IVA ? (by: Michael Peoples) 3 658
Would it be a windfall if I received money for a car restored and sold without my consent ?Would it be a windfall if I received money for a car restored and sold without my consent ? (by: Michael Peoples) 17 1446
Secured loanSecured loan (by: Michael Peoples) 12 1258
Bank chargesBank charges (by: NoMoney) 4 1108
A creditor has logged a claim against my house. I am in an IVAA creditor has logged a claim against my house. I am in an IVA (by: Foggy) 3 778
Would these documents be acceptable for my full and final phone call with Grant Thornton ?Would these documents be acceptable for my full and final phone call with Grant Thornton ? (by: Nicolad8752) 3 300
Insolvency registerInsolvency register (by: lifenoteasy) 16 993
IP saying we have to remortgage despite the fact that we should not be required to remortgage ?IP saying we have to remortgage despite the fact that we should not be required to remortgage ? (by: Foggy) 17 985
Drive by valuationDrive by valuation (by: NoMoney) 9 869
Changes to how you receive benefitsChanges to how you receive benefits (by: lifenoteasy) 1 434
Would a tax free pension sum be classed as a windfall ?Would a tax free pension sum be classed as a windfall ? (by: Andy Davie) 4 761
I am the 247 carer for my severely disabled husband. Do you think we were missold our IVA ?I am the 247 carer for my severely disabled husband. Do you think we were missold our IVA ? (by: lifenoteasy) 3 712
Confused as to why I am paying so much. Will my term reduce greatly ?Confused as to why I am paying so much. Will my term reduce greatly ? (by: lesley) 3 708
Do you think this full and final settlement will be of interest to creditors ?Do you think this full and final settlement will be of interest to creditors ? (by: Foggy) 4 794
Has anyone ever had a F+F declined if so why ?Has anyone ever had a F+F declined if so why ? (by: simples) 1 513
Is it a common problem to be refused a mortgage with an IVA in the past ?Is it a common problem to be refused a mortgage with an IVA in the past ? (by: Mortgagesteve) 13 1516
Full and final meetingFull and final meeting (by: Foggy) 2 724
IP has advised against paying to cover potential claims so that we can start rebuilding our lives.IP has advised against paying to cover potential claims so that we can start rebuilding our lives. (by: Foggy) 7 808
Getting on the housing ladder seems impossible. Hoping for advice as to where to look.Getting on the housing ladder seems impossible. Hoping for advice as to where to look. (by: Mortgagesteve) 5 1871
Is there a timeframe that creditors have to adhere to ?  Waiting for CC since July 2014Is there a timeframe that creditors have to adhere to ? Waiting for CC since July 2014 (by: Foggy) 6 676
Is there a lender for us to free up the equity to pay a full and final payment ?Is there a lender for us to free up the equity to pay a full and final payment ? (by: Mortgagesteve) 5 737
Should I get in touch with IP about my change in circumstances or wait until my review ?Should I get in touch with IP about my change in circumstances or wait until my review ? (by: Louise.85) 8 887
Not sure that an IVA will be appropriate as worried about effect on mortgageNot sure that an IVA will be appropriate as worried about effect on mortgage (by: Mortgagesteve) 7 856
Has anyone else had the letter explaining EIC has been changed to another company ?Has anyone else had the letter explaining EIC has been changed to another company ? (by: Sharon.10) 7 929
IVA FailingFailedIVA FailingFailed (by: Andy Davie) 11 876
QueryQuery (by: spurs) 9 559
Review and carers allowance.Review and carers allowance. (by: lifenoteasy) 7 886
Drop in salary wont meet payments. Will lump sum awarded be accepted as a F & F ?Drop in salary wont meet payments. Will lump sum awarded be accepted as a F & F ? (by: Michael Peoples) 4 402
F & FF & F (by: Michael Peoples) 6 733
Driving lessonsDriving lessons (by: lesley) 9 1015
I need to know which bank will accept me ?I need to know which bank will accept me ? (by: LeFran) 23 1717
Been told I still owe interest. I thought it was frozen.Been told I still owe interest. I thought it was frozen. (by: Foggy) 3 884
What are my chances of getting a mortgage ?What are my chances of getting a mortgage ? (by: luluj) 5 876
Some questions on getting a shared ownership mortgage.Some questions on getting a shared ownership mortgage. (by: Andy Davie) 14 1367

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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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