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Top 150 Debt Questions from the IVA Forum
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TitlePostsViews
I fear telling my new employer of my DMP.  Can anyone shed some light ?I fear telling my new employer of my DMP. Can anyone shed some light ? (by: Foggy) 3 22
How will my new partner affect my joint IVA with ex partner ?How will my new partner affect my joint IVA with ex partner ? (by: Foggy) 3 25
If I have no fixed address what can I do about debt ?If I have no fixed address what can I do about debt ? (by: kallis3) 2 23
My IVA should have finished last year but my IVA was moved to another company.My IVA should have finished last year but my IVA was moved to another company. (by: Foggy) 3 20
Looking for a refusal letter about remortgaging for my IPLooking for a refusal letter about remortgaging for my IP (by: kallis3) 2 17
Are there companies that just take the individual income into account ?Are there companies that just take the individual income into account ? (by: Foggy) 3 23
I was just wondering how the IVA works ?I was just wondering how the IVA works ? (by: Foggy) 3 18
Thank you all for reply to my query.  Much appreciated.Thank you all for reply to my query. Much appreciated. (by: kallis3) 2 16
Advice pleaseAdvice please (by: Michael Peoples) 18 195
I am 60 this year and estimated time to complete is 12 years.  I dont know what to do.I am 60 this year and estimated time to complete is 12 years. I dont know what to do. (by: kallis3) 9 1826
Pay PlanPay Plan (by: Fairy Debtmother) 11 987
Closing IVA with Stepchange.Closing IVA with Stepchange. (by: Lisa Thomas) 13 1549
Hi,  Can I have any savings during IVA ?Hi, Can I have any savings during IVA ? (by: kallis3) 14 193
stepchangestepchange (by: Michael Peoples) 6 137
Creditfix: IVA Early Exit LoanCreditfix: IVA Early Exit Loan (by: Michael Peoples) 20 1098
Looking for a mortgage. I have 4 payments to go to finish 6 year IVA.Looking for a mortgage. I have 4 payments to go to finish 6 year IVA. (by: kallis3) 4 227
Can I get a mortgage with just 4 months left of the IVA ?Can I get a mortgage with just 4 months left of the IVA ? (by: Lisa Thomas) 4 116
If I underpaid on my IVA last year, what options do I have ?If I underpaid on my IVA last year, what options do I have ? (by: Lisa Thomas) 4 120
Where Did That Six Years Go ?Where Did That Six Years Go ? (by: recovering) 14 545
Was my IVA finished in May officially or August ? Do I need to chase for CC ?Was my IVA finished in May officially or August ? Do I need to chase for CC ? (by: kallis3) 18 1110
Whats the process with offering a full and final settlement ?Whats the process with offering a full and final settlement ? (by: Lisa Thomas) 10 658
Is this normal ? Ff offer paid November 2015 to DFD, variation meeting July 2016 ..Is this normal ? Ff offer paid November 2015 to DFD, variation meeting July 2016 .. (by: Laura.Harrop) 6 803
Vet bills!!Vet bills!! (by: Skintmummy) 16 555
Can you please advise what I have to do to remove default from credit file ?Can you please advise what I have to do to remove default from credit file ? (by: Lisa Thomas) 4 248
Hi all,I wonder if you can help . Can we get another mortgage ?Hi all,I wonder if you can help . Can we get another mortgage ? (by: Lisa Thomas) 3 234
How long can a DMP potentially last for?How long can a DMP potentially last for? (by: Foggy) 7 286
What happens at the end of an IVA ?What happens at the end of an IVA ? (by: Lisa Thomas) 3 294
At last after 6 and a half years I received my CC ! Thanks to everyone who answered my queriesAt last after 6 and a half years I received my CC ! Thanks to everyone who answered my queries (by: Lisa Thomas) 7 585
I have just sold my house and banked cash. My wife is now getting an IVA and is on my account.I have just sold my house and banked cash. My wife is now getting an IVA and is on my account. (by: Lisa Thomas) 7 565
Since starting an IVA, I have completed training and been offered a jobSince starting an IVA, I have completed training and been offered a job (by: Lisa Thomas) 5 594
Why would we be asked for another valuation and redemption statement ?Why would we be asked for another valuation and redemption statement ? (by: Lisa Thomas) 9 1482
i have just had my car insurance cancelled because of my IVA .  Is this normal ?i have just had my car insurance cancelled because of my IVA . Is this normal ? (by: MrsR) 24 2301
I can not get in touch with Mitchell Farrar.  I need some advice.I can not get in touch with Mitchell Farrar. I need some advice. (by: UpToMyNeckInIt) 4 999
Been a whileBeen a while (by: Michael Peoples) 16 895
Would anyone reccomend PayPlan for IVA ?Would anyone reccomend PayPlan for IVA ? (by: kallis3) 24 3352
What happens if I havent declared all income earned during my IVA ? What can I do ?What happens if I havent declared all income earned during my IVA ? What can I do ? (by: plasticdaft) 7 874
Full and finalFull and final (by: kallis3) 4 542
IVA Company League TableIVA Company League Table (by: Foggy) 3 811
I am a telesales IVA rep  please say if Im right or wrong saying the following ...I am a telesales IVA rep please say if Im right or wrong saying the following ... (by: welshwiz) 9 944
Im stuck with an obligation thats misleading.  I dont know what to do.Im stuck with an obligation thats misleading. I dont know what to do. (by: Foggy) 25 1743
Hello, can anyone advise me what to do.Hello, can anyone advise me what to do. (by: Lisa Thomas) 4 728
I am in the position to pay in full my IVA.  Company are talking about secured loan.I am in the position to pay in full my IVA. Company are talking about secured loan. (by: Lisa Thomas) 27 5948
Full and Final urgent adviceFull and Final urgent advice (by: Helping Hand) 14 1545
PPI Statutory InterestPPI Statutory Interest (by: Helping Hand) 5 1910
Salary Increase and change to Monthly PaymentsSalary Increase and change to Monthly Payments (by: Helping Hand) 10 2909
Currently in an IVA. Can I get collection charges refunded for separate payments ?Currently in an IVA. Can I get collection charges refunded for separate payments ? (by: Michael Peoples) 5 781
Credit File Repair after IVA F&F completionCredit File Repair after IVA F&F completion (by: kallis3) 14 851
Is it in my best interests to change banks now ? I have 10 months of my IVA left.Is it in my best interests to change banks now ? I have 10 months of my IVA left. (by: MerlinL14) 27 3450
I had a cheque paid to my old IP but it was cashed by a third party. What can I do ?I had a cheque paid to my old IP but it was cashed by a third party. What can I do ? (by: kallis3) 20 1342
Ive come into an inheritance. Will past payments be knocked off what I pay back ?Ive come into an inheritance. Will past payments be knocked off what I pay back ? (by: Lisa Thomas) 4 835
I plan to settle my IVA using my redundancyI plan to settle my IVA using my redundancy (by: Lisa Thomas) 5 841
I completed my IVA early , making final payment January 2014. Now looking for mortgage.I completed my IVA early , making final payment January 2014. Now looking for mortgage. (by: Lisa Thomas) 5 927
Definitive AnswerDefinitive Answer (by: Michael Peoples) 5 984
Request for assistance with F&F figure.Request for assistance with F&F figure. (by: Lisa Thomas) 13 1085
Hello, my first post, I am confused about a few things.  I entered a F&F IVA IN June.Hello, my first post, I am confused about a few things. I entered a F&F IVA IN June. (by: Foggy) 3 943
If my IVA fails because of using an overdraft, is it possible to start over with different IP ?If my IVA fails because of using an overdraft, is it possible to start over with different IP ? (by: kev59) 19 1025
Confusion about being swapped to a different company earlier this year.Confusion about being swapped to a different company earlier this year. (by: Michael Peoples) 2 882
Can I ask for this wording to be in my proposal ?Can I ask for this wording to be in my proposal ? (by: Michael Peoples) 5 914
ExperianExperian (by: kallis3) 2 897
So Varden Nuttall court case was heard yesterday. Where can I find ruling ?So Varden Nuttall court case was heard yesterday. Where can I find ruling ? (by: lifenoteasy) 12 2613
I have a single IVA  if my partner receives a windfall, will it effect my IVA ?I have a single IVA if my partner receives a windfall, will it effect my IVA ? (by: Lisa Thomas) 3 917
James started an IVA in Scotland in 2011  Are debts removed 6 years from start ?James started an IVA in Scotland in 2011 Are debts removed 6 years from start ? (by: kallis3) 2 760
We have completed our IVA.  Do we have to do anything about letters from asset link capital ?We have completed our IVA. Do we have to do anything about letters from asset link capital ? (by: kallis3) 6 882
I committed a fraud with mortgage application. Some advice and help would be great.I committed a fraud with mortgage application. Some advice and help would be great. (by: Lisa Thomas) 8 946
Full & Final Suggested AmountFull & Final Suggested Amount (by: Lisa Thomas) 20 2663
Do all IVA companies take 15% of my remortgage at the end ?Do all IVA companies take 15% of my remortgage at the end ? (by: Lisa Thomas) 5 890
Do I have to pay off my IVA when I sell my house ?Do I have to pay off my IVA when I sell my house ? (by: Lisa Thomas) 5 1011
Net West account deactivated without any notice. Now have no account for payday.Net West account deactivated without any notice. Now have no account for payday. (by: Lisa Thomas) 14 1098
If this was a debt that was included in my IVA ( completed in 2012 ) am I still liable for it ?If this was a debt that was included in my IVA ( completed in 2012 ) am I still liable for it ? (by: Lisa Thomas) 12 1478
Credit Reference AgenciesCredit Reference Agencies (by: kallis3) 2 780
F&F AdviceF&F Advice (by: kallis3) 8 1148
I think a want an IVA but my wife must not be involved.  Is this possible ?I think a want an IVA but my wife must not be involved. Is this possible ? (by: Foggy) 4 1033
I want to know what is the catch.  Can someone tell me the truth about IVA ?I want to know what is the catch. Can someone tell me the truth about IVA ? (by: Michael Peoples) 6 958
I just want to save for a house of my own. Im really concerned IVA will take my savings.I just want to save for a house of my own. Im really concerned IVA will take my savings. (by: Michael Peoples) 5 912
If I had an IVA can my home be reprocessed ?If I had an IVA can my home be reprocessed ? (by: Lisa Thomas) 5 832
My partner and I are about to enter yr 6. My partner is not currently working.My partner and I are about to enter yr 6. My partner is not currently working. (by: Lisa Thomas) 6 1108
My IVA last payment was in 2012. Now received a letter saying I have to do another 12 months.My IVA last payment was in 2012. Now received a letter saying I have to do another 12 months. (by: Lisa Thomas) 9 1013
Business banking post IVABusiness banking post IVA (by: longslog101) 10 1425
We had our IVA with NTF.  Heard nothing from them but they wont release us.We had our IVA with NTF. Heard nothing from them but they wont release us. (by: Lisa Thomas) 5 1146
Could I offer a lump sum and pay off early ?Could I offer a lump sum and pay off early ? (by: Lisa Thomas) 3 1071
Is setting up an IVA simple after bankruptcy annulment providing creditors agree ?Is setting up an IVA simple after bankruptcy annulment providing creditors agree ? (by: Lisa Thomas) 8 1385
Hi my husbands IVA is due to finish in December. It is likely that he will soon be made redundant.Hi my husbands IVA is due to finish in December. It is likely that he will soon be made redundant. (by: Lisa Thomas) 3 1099
What would be considered as a fair offer to end our IVA ?What would be considered as a fair offer to end our IVA ? (by: Lisa Thomas) 4 1076
I have a IVA.  Why is it lasting for 6 years and not 5 ?I have a IVA. Why is it lasting for 6 years and not 5 ? (by: Lisa Thomas) 5 1112
Can I cancel an IVA after signing it 3 days ago ?Can I cancel an IVA after signing it 3 days ago ? (by: Lisa Thomas) 7 1391
I am already in an IVA.but I have breached it by not declaring a bank accountI am already in an IVA.but I have breached it by not declaring a bank account (by: Lisa Thomas) 5 1387
I will be made redundant in the same month that my IVA finishes. Can I keep redundancy pay ?I will be made redundant in the same month that my IVA finishes. Can I keep redundancy pay ? (by: Lisa Thomas) 5 1293
i want to cancel because no one wants to tell me what happens if I cant remortgagei want to cancel because no one wants to tell me what happens if I cant remortgage (by: Lisa Thomas) 4 1172
Hi I am looking for some advice about a F&F offer.Hi I am looking for some advice about a F&F offer. (by: Lisa Thomas) 3 1190
If you have an IVA will they approve a car loan?If you have an IVA will they approve a car loan? (by: Lisa Thomas) 4 1250
Hi I am going to offer full and final settlement. What do I need to include ?Hi I am going to offer full and final settlement. What do I need to include ? (by: Lisa Thomas) 4 1185
Selling House in IVASelling House in IVA (by: Lisa Thomas) 7 1234
I have gone though gopher money to get an IVAI have gone though gopher money to get an IVA (by: Lisa Thomas) 22 1933
Creditors Meeting F@FCreditors Meeting F@F (by: Lisa Thomas) 32 4656
Looking for mortgage advisor.Looking for mortgage advisor. (by: Andy Davie) 19 1803
Self employed and annual reviewSelf employed and annual review (by: Enjoyingthesmallthings) 10 1133
bank wont give cash back??bank wont give cash back?? (by: plasticdaft) 9 1295
Thinking of moving to Florida once I have paid off IVA.Thinking of moving to Florida once I have paid off IVA. (by: kallis3) 3 1085
Hi, just a quick question re annual reviews.Hi, just a quick question re annual reviews. (by: lifenoteasy) 5 1250
Do I declare pay rise at next review ?Do I declare pay rise at next review ? (by: Foggy) 3 1192
How to choose an IVA companyHow to choose an IVA company (by: kallis3) 7 1273
How long should I wait before pestering McD about CC?How long should I wait before pestering McD about CC? (by: Michael Peoples) 16 1589
Can someone on the IVA stand as a guarantor?Can someone on the IVA stand as a guarantor? (by: kallis3) 4 1161
Im considering an IVA.Im considering an IVA. (by: lesley) 7 1226
Will my IVA effect any future tenants at my address ?Will my IVA effect any future tenants at my address ? (by: MerlinL14) 3 1213
additional income from tax credit paymentadditional income from tax credit payment (by: Michael Peoples) 6 950
A review is taking place regarding remortgaging. How can I continue paying for 12 months ?A review is taking place regarding remortgaging. How can I continue paying for 12 months ? (by: Lisa Thomas) 6 1244
My partner and I are both now full time students, are student grants counted as income ?My partner and I are both now full time students, are student grants counted as income ? (by: Michael Peoples) 5 1563
Is it possible to swap IPs?Is it possible to swap IPs? (by: Michael Peoples) 13 1521
My MIL has died.  We are desperately trying to establish the position with her IVA company.My MIL has died. We are desperately trying to establish the position with her IVA company. (by: Lisa Thomas) 13 1341
IVA QUESTIONIVA QUESTION (by: kallis3) 8 1252
IVA and PPI with Aperture. What happens with the interest on the refund ?IVA and PPI with Aperture. What happens with the interest on the refund ? (by: Foggy) 4 1214
Equity in Finance and DFD (PPI claim)Equity in Finance and DFD (PPI claim) (by: kallis3) 72 21214
Do we gain the interest on PPI ?Do we gain the interest on PPI ? (by: Foggy) 4 1081
IVA finished February 2013 and now July 2016 told I have to pay another 12 months.IVA finished February 2013 and now July 2016 told I have to pay another 12 months. (by: Foggy) 5 1162
Hi, just an updateHi, just an update (by: Starry30) 30 6791
I have separated from my partner and sold the house. What happens with the IVA proceedings ?I have separated from my partner and sold the house. What happens with the IVA proceedings ? (by: Lisa Thomas) 3 1190
Can we obtain credit to fund a deposit and pay it off with husbands impending bonus ?Can we obtain credit to fund a deposit and pay it off with husbands impending bonus ? (by: Lisa Thomas) 5 1319
If I have to remortgage my house would it be 50% of the monthly payment ?If I have to remortgage my house would it be 50% of the monthly payment ? (by: Lisa Thomas) 4 1178
Carl at Kingsgate is setting up my IVA  but I have lost his details.Carl at Kingsgate is setting up my IVA but I have lost his details. (by: Lisa Thomas) 3 1212
Is it correct that I am still under the terms of the IVA after settling earlyIs it correct that I am still under the terms of the IVA after settling early (by: Lisa Thomas) 4 1297
Will we be able to swap out mortgage straight after our IVA  ?Will we be able to swap out mortgage straight after our IVA ? (by: Lisa Thomas) 3 1143
What is the best way to build up our credit rating ?What is the best way to build up our credit rating ? (by: Lisa Thomas) 11 1418
Awaiting CC, is IVA entitled to all PPI ?Awaiting CC, is IVA entitled to all PPI ? (by: Lisa Thomas) 5 2343
Secure Trust closing current accountsSecure Trust closing current accounts (by: Andy Davie) 22 4580
Can the IVA investigate my business account and take money out of it ?Can the IVA investigate my business account and take money out of it ? (by: lifenoteasy) 6 1335
Hi Im 5 months into my IVA. Should.I offer the full outstanding amount to end it ?Hi Im 5 months into my IVA. Should.I offer the full outstanding amount to end it ? (by: linrog) 11 1350
Looking for a loan to finish our IVA .Looking for a loan to finish our IVA . (by: Lisa Thomas) 5 1345
What are the chances of paying off IVA with a lump sum ?What are the chances of paying off IVA with a lump sum ? (by: Foggy) 12 1622
How much should we offer to settle ?How much should we offer to settle ? (by: Jane.g) 36 4201
Cerditfix completionCerditfix completion (by: lesley) 5 1512
We own 56% of our property, the rest is an equity loan. How will the IVA equity release work ?We own 56% of our property, the rest is an equity loan. How will the IVA equity release work ? (by: lesley) 4 1358
Swift insolvency solutions is asking me for a bank transfer payment. Is this normal ?Swift insolvency solutions is asking me for a bank transfer payment. Is this normal ? (by: lesley) 7 1674
Full & finalFull & final (by: lesley) 3 1419
Just discovered creditors want us to remortgage and pay them the equity? Is this correct ?Just discovered creditors want us to remortgage and pay them the equity? Is this correct ? (by: Lisa Thomas) 4 1535
We finished our IVA last august but still have no final confirmationWe finished our IVA last august but still have no final confirmation (by: Lisa Thomas) 4 1632
Can I join an IVA if I owe under 3kCan I join an IVA if I owe under 3k (by: Lisa Thomas) 5 1480
Self negotiation first??Self negotiation first?? (by: Lisa Thomas) 14 1748
My wife has an IVA, my income has been taken into account. Could I get credit ?My wife has an IVA, my income has been taken into account. Could I get credit ? (by: Foggy) 3 1424
Looking for a canny post IVA sympathetic mortgage providerLooking for a canny post IVA sympathetic mortgage provider (by: Ryan) 8 1948
Expenditure on IVAExpenditure on IVA (by: lesley) 11 1674
insolvency registerinsolvency register (by: linrog) 7 1539
Hi I have paid my IVA up in full and looking at renting property.Hi I have paid my IVA up in full and looking at renting property. (by: Lisa Thomas) 4 1740
Hi I am new here. I am currently going through a F&FHi I am new here. I am currently going through a F&F (by: Lisa Thomas) 3 1603
Will my partners IVA still want all my details if he successfully applies to be our sons carer ?Will my partners IVA still want all my details if he successfully applies to be our sons carer ? (by: Lisa Thomas) 3 1769
I have been contacted by Creditfix for an IVA.  I am a retired pensioner on pension credit.I have been contacted by Creditfix for an IVA. I am a retired pensioner on pension credit. (by: Lisa Thomas) 5 1863
My IVA was finished in October 2015.  How long does it stay on my record ?My IVA was finished in October 2015. How long does it stay on my record ? (by: Lisa Thomas) 4 1887
Can I offer a lump sum ?Can I offer a lump sum ? (by: Lisa Thomas) 4 1832
In an IVA and struggling. Do you think this amount would be accepted as a F&F ?In an IVA and struggling. Do you think this amount would be accepted as a F&F ? (by: Lisa Thomas) 5 1964
Advice please on whether PPI money goes to debtor after court case in May 2015.Advice please on whether PPI money goes to debtor after court case in May 2015. (by: Lisa Thomas) 19 3743

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