IVA Home

Vincent Bond View all sponsors
IVA HOT TOPICS
Hot topics discussed on the IVA forum
Make a posting

- Make social post - Make debt post

See Top 300 Posts

All - Social Chat - Debt Questions - Most replies - Most views - IVA News -BankruptcyHelp Hot Topics - BankruptcyHelp Most Viewed

Top 150 Debt Questions from the IVA Forum
Active Topics on IVA Forum
TitlePostsViews
What effect will it have on partner and children when I move in, and how will it effect my IVA ?What effect will it have on partner and children when I move in, and how will it effect my IVA ? (by: James.ab) 7 251
IVA completed 5 years ago. Now looking to remortgage, have been turned down three times.IVA completed 5 years ago. Now looking to remortgage, have been turned down three times. (by: Ryan) 6 234
Looking for a mortgageLooking for a mortgage (by: Ryan) 3 267
Notice of breechNotice of breech (by: kaza) 16 575
Blog of the week winnerBlog of the week winner (by: Foggy) 872 102603
Benefits in IVABenefits in IVA (by: Michael Peoples) 4 130
Wondering if its legal to leave large owing from over earning until our IVA was nearly finished.Wondering if its legal to leave large owing from over earning until our IVA was nearly finished. (by: Johndd5) 9 683
i had a serious accident and have 18 months to comi had a serious accident and have 18 months to com (by: Michael Peoples) 3 172
questions about forced sale for equity valuationquestions about forced sale for equity valuation (by: Michael Peoples) 5 174
WobbleWobble (by: lesley) 15 254
Getting phone calls from my old bank regarding loans that were taken out in 1999Getting phone calls from my old bank regarding loans that were taken out in 1999 (by: Foggy) 2 77
Would having an IVA prevent me from taking my children on holiday ?Would having an IVA prevent me from taking my children on holiday ? (by: Struzzo39) 30 2531
Urgent advice needed .Urgent advice needed . (by: Struzzo39) 13 497
4th year review4th year review (by: Garyd0559) 5 1182
BoilersBoilers (by: luluj) 21 371
Is it possible to take out an IVA and not include a car on HP ?Is it possible to take out an IVA and not include a car on HP ? (by: Foggy) 3 265
What will happen if I go for salary sacrifice lease car ?What will happen if I go for salary sacrifice lease car ? (by: plasticdaft) 6 694
Can I change from an IVA to a DMP for more manageable payments ?Can I change from an IVA to a DMP for more manageable payments ? (by: plasticdaft) 3 314
Been in IVA for 3 years and not all creditors have caught up.Been in IVA for 3 years and not all creditors have caught up. (by: Foggy) 2 282
We are now paying more to the IVA than we were to the original debtsWe are now paying more to the IVA than we were to the original debts (by: Foggy) 3 376
We live in a very rural area and our cars are old, needing constant repairs. Not sure what to do.We live in a very rural area and our cars are old, needing constant repairs. Not sure what to do. (by: Foggy) 2 309
IVAIVA (by: lesley) 3 385
An offer from family to pay the remainder of the IVA.An offer from family to pay the remainder of the IVA. (by: Foggy) 3 431
Am I still under the terms of the IVA because I have not got my completion certificate ?Am I still under the terms of the IVA because I have not got my completion certificate ? (by: Foggy) 6 427
Hi, I have just made my last payment. What is the lead time for final closure ?Hi, I have just made my last payment. What is the lead time for final closure ? (by: relieved33) 12 649
Will my payments on an iva be less than a dmp ?Will my payments on an iva be less than a dmp ? (by: Michael Peoples) 2 363
Final yearFinal year (by: Foggy) 7 432
Last payment due at the end of this month, company now asking for incoming & outgoing detailsLast payment due at the end of this month, company now asking for incoming & outgoing details (by: ruetheday) 15 673
Do you have to have a good reason to offer a Full & Final settlement ?Do you have to have a good reason to offer a Full & Final settlement ? (by: Foggy) 6 457
Is this an unprofessional way of looking for PPI ?Is this an unprofessional way of looking for PPI ? (by: Foggy) 2 412
Approaching the end. Hoping and praying there will be no hang ups and I will soon get CCApproaching the end. Hoping and praying there will be no hang ups and I will soon get CC (by: Foggy) 4 495
Is there any way in which I can influence the letter sent to creditors about a variation meeting ?Is there any way in which I can influence the letter sent to creditors about a variation meeting ? (by: TzeKin) 4 512
Final Payment? Maybe?Final Payment? Maybe? (by: ruetheday) 3 247
Who do I complain to about the service I am NOT getting from DFD.Who do I complain to about the service I am NOT getting from DFD. (by: maximoose) 15 4131
Creditors getting 30% dividend even though IVA has failed. Will they petition for bankruptcy ?Creditors getting 30% dividend even though IVA has failed. Will they petition for bankruptcy ? (by: TzeKin) 4 592
Does money from an insurance claim have to go into IVA?Does money from an insurance claim have to go into IVA? (by: Sam.09) 9 762
I have little equity and not happy to be told I have extra 6 payments to make.I have little equity and not happy to be told I have extra 6 payments to make. (by: Til) 3 333
Can phone providers be changed during course of an IVA ?Can phone providers be changed during course of an IVA ? (by: Sebastian.26) 3 515
Is there any Solicitors who will represent us with regards to our IVA ?Is there any Solicitors who will represent us with regards to our IVA ? (by: Michael Peoples) 2 514
10,000th Post10,000th Post (by: Michael Peoples) 12 794
Variation settlement rejected. Can anyone help please ?Variation settlement rejected. Can anyone help please ? (by: Michael Peoples) 15 2212
hello, i been talking with finance specialists who say my best option is an IVAhello, i been talking with finance specialists who say my best option is an IVA (by: Victoria.p) 5 497
nearly therenearly there (by: Christabellesparkle) 8 498
After final payment into IVA (April12)when do we get closure ?After final payment into IVA (April12)when do we get closure ? (by: jimbob1981) 5 486
Who has been waiting the longest for their C of C?Who has been waiting the longest for their C of C? (by: jimbob1981) 21 1847
PPI claim made after certificate received August 2012 from Grant ThorntonPPI claim made after certificate received August 2012 from Grant Thornton (by: Foggy) 2 464
Are there any regulations to control foreign banks which fail to pay debts to customers ?Are there any regulations to control foreign banks which fail to pay debts to customers ? (by: Jackie.04) 1 257
Looking for car financeLooking for car finance (by: relieved33) 7 445
I am under debt management at the moment. If I take on an IVA, will my home be safe ?I am under debt management at the moment. If I take on an IVA, will my home be safe ? (by: Foggy) 4 487
Hi My mum is in an IVA and has had substantial PPI refundsHi My mum is in an IVA and has had substantial PPI refunds (by: Foggy) 2 487
What normally happens at the end of the IVA if there is equity but remortgage is not possible ?What normally happens at the end of the IVA if there is equity but remortgage is not possible ? (by: relieved33) 2 500
Apprroaching 7th year, keep being told we cant have certificate because of PPI claims.Apprroaching 7th year, keep being told we cant have certificate because of PPI claims. (by: HLP12) 23 3274
I made a full and final payment to Varden and Nuttall August 2013, still awaiting completion cert.I made a full and final payment to Varden and Nuttall August 2013, still awaiting completion cert. (by: Foggy) 2 426
Can you confirm that I am entitled to the interest on PPI claims ?Can you confirm that I am entitled to the interest on PPI claims ? (by: Foggy) 4 437
Hello. I completed my IVA in August 2012 with DFD, not received completion certificate.Hello. I completed my IVA in August 2012 with DFD, not received completion certificate. (by: Meena.26) 1 261
Is my home at risk if my partner takes out an IVA ?Is my home at risk if my partner takes out an IVA ? (by: Foggy) 2 389
How will my IVA be affected by having a car on finance ?How will my IVA be affected by having a car on finance ? (by: Andy Davie) 2 406
If I sold my current house would I be able to use the proceeds to seriously downsize ?If I sold my current house would I be able to use the proceeds to seriously downsize ? (by: Foggy) 2 385
I dont understand how Credit Fix can say I owe double what they said originally in lieu of equity.I dont understand how Credit Fix can say I owe double what they said originally in lieu of equity. (by: kirstie) 5 740
Transfer of equity from ex with IVATransfer of equity from ex with IVA (by: Holly.cm) 4 288
Getting conflicting info from DFDGetting conflicting info from DFD (by: glassman49) 13 764
Hi,Really hope someone can help or point me in the right directionHi,Really hope someone can help or point me in the right direction (by: Shaun Vickery) 9 723
We are considering selling our current home, paying off our IVAWe are considering selling our current home, paying off our IVA (by: Andy Davie) 4 674
Hi I am in an IVA,will I be ever able to get a mortgage ?Hi I am in an IVA,will I be ever able to get a mortgage ? (by: Shaun Vickery) 4 612
PPI  does it mean IVA terms ongoing?PPI does it mean IVA terms ongoing? (by: mole) 4 480
Could you advise about incorrect credit entries ?Could you advise about incorrect credit entries ? (by: plasticdaft) 3 581
Are creditors allowed to ask us to stop paying into our pensions ? I am near retirementAre creditors allowed to ask us to stop paying into our pensions ? I am near retirement (by: plasticdaft) 5 1731
More questions re documentation neededMore questions re documentation needed (by: Blueskies) 11 791
Completion DeptCompletion Dept (by: daz6572) 5 516
Been trying to get my completion certificate from DFD. Same old story whenever you ring upBeen trying to get my completion certificate from DFD. Same old story whenever you ring up (by: ordal91) 3 637
Anything else to come!!!??Anything else to come!!!?? (by: sonj77) 13 839
Chairmans ReportChairmans Report (by: sosilly) 5 490
Freeman Jones IVAFreeman Jones IVA (by: Andy Davie) 5 1481
Finished IVA 2013 , PPI  finished a month ago. Still cant get date of completionFinished IVA 2013 , PPI finished a month ago. Still cant get date of completion (by: lesley) 2 503
Hi I wonder if anyone can help me ?Hi I wonder if anyone can help me ? (by: Evette Everest) 3 612
Do votes come in before the meeting and if so are we told about these ?Do votes come in before the meeting and if so are we told about these ? (by: Michael Peoples) 10 573
Can someone please explain the equity clause ?Can someone please explain the equity clause ? (by: Michael Peoples) 4 1380
After a period of unemployment I am back in work, less money.  Asked for variation meetingAfter a period of unemployment I am back in work, less money. Asked for variation meeting (by: Michael Peoples) 2 539
What if your wife devorceis you or separates from you ? What happens to IVA ?What if your wife devorceis you or separates from you ? What happens to IVA ? (by: Michael Peoples) 2 419
Does it include council tax arrearsDoes it include council tax arrears (by: Dave Bowman) 4 490
Looking for mortgage adviseLooking for mortgage advise (by: Foggy) 2 495
Hello, I wondered if you could help me please.Hello, I wondered if you could help me please. (by: Shaun Vickery) 3 489
It may be that I might need to take early retirement through ill healthIt may be that I might need to take early retirement through ill health (by: Andy Davie) 3 521
If I come in to some money or a family member helps me out ?If I come in to some money or a family member helps me out ? (by: Foggy) 2 460
On final countdown to creditor meetingOn final countdown to creditor meeting (by: lesley) 19 1120
Does this budget from Step Change sound about right ?Does this budget from Step Change sound about right ? (by: lesley) 20 1420
Debit CardDebit Card (by: lesley) 8 741
Freeman Jones complaint resolvedFreeman Jones complaint resolved (by: Cybertiger) 154 23952
Hi reading the terms of my IVA...Who is a third party ? A secured loan ?Hi reading the terms of my IVA...Who is a third party ? A secured loan ? (by: Goosed) 19 1448
I have finished my IVA a year ago and now want to buy the house I am in.I have finished my IVA a year ago and now want to buy the house I am in. (by: Ryan) 7 1261
Do I have a realistic chance of getting a mortgage and finally putting my past behind me ?Do I have a realistic chance of getting a mortgage and finally putting my past behind me ? (by: Ryan) 8 858
I am already on the 6th month of my one year extension, now told I need to extend again ?I am already on the 6th month of my one year extension, now told I need to extend again ? (by: Struzzo39) 10 1162
I am in an IVA. My partners outgoings have increased and subsequently mine.  Any advice ?I am in an IVA. My partners outgoings have increased and subsequently mine. Any advice ? (by: relieved33) 8 723
I have a ccj against an individual who has entered an IVA . I had no notification.I have a ccj against an individual who has entered an IVA . I had no notification. (by: Andy Davie) 3 1050
Half way ThroughHalf way Through (by: recovering) 8 714
Will I be able to transfer mortgage to my name now my husband I are separating ?Will I be able to transfer mortgage to my name now my husband I are separating ? (by: Michael Peoples) 4 701
New problem (help please David Mond)New problem (help please David Mond) (by: happy buddha) 42 3293
Is my full and final settlement likely to be accepted ?Is my full and final settlement likely to be accepted ? (by: Michael Peoples) 7 1673
In an IVA.  In debt with ex landlord who is sending guys to find me.  Worried for childrens safety.In an IVA. In debt with ex landlord who is sending guys to find me. Worried for childrens safety. (by: Andy Davie) 2 729
Im struggling to work out if I am in negative equityIm struggling to work out if I am in negative equity (by: Foggy) 5 843
Any thoughts on my equity statement as follows....Any thoughts on my equity statement as follows.... (by: Michael Peoples) 3 760
My wife and I both have IVAs which started at the same time.My wife and I both have IVAs which started at the same time. (by: Andy Davie) 3 767
1st year review1st year review (by: watson30) 3 4633
Can our IVA be extended from 6 years or can we make an offer to finish ?Can our IVA be extended from 6 years or can we make an offer to finish ? (by: Michael Peoples) 8 1232
No equity and no missed payments, will my IVA finish after 5 years ?No equity and no missed payments, will my IVA finish after 5 years ? (by: Michael Peoples) 3 790
WindfallWindfall (by: Michael Peoples) 2 830
Should I say that I am moving into property as a partner or as a tenant ?Should I say that I am moving into property as a partner or as a tenant ? (by: Michael Peoples) 3 781
Very nervous about creditors meeting on FridayVery nervous about creditors meeting on Friday (by: bezo82) 8 875
size5size5 (by: Skippy) 12 1471
Australia and AmericaAustralia and America (by: mole) 5 999
Due to incompetence of GT we are being bullied into another 3 year IVA. We need help !Due to incompetence of GT we are being bullied into another 3 year IVA. We need help ! (by: Christabellesparkle) 2 1008
I need to relocate. If I sell my house, will it automatically pay off the IVA ?I need to relocate. If I sell my house, will it automatically pay off the IVA ? (by: Foggy) 4 764
old egg loan defaultold egg loan default (by: ginger323232) 2 758
I cant afford  my IVA any longer.I cant afford my IVA any longer. (by: Car1e) 3 982
Because of poor health I will struggle to remortgage. Worried about losing my homeBecause of poor health I will struggle to remortgage. Worried about losing my home (by: Michael Peoples) 6 1032
Hi all, I am not accustomed to this forum lark, however I have read some very sound advice..Hi all, I am not accustomed to this forum lark, however I have read some very sound advice.. (by: luluj) 15 2140
Extension if no equity?Extension if no equity? (by: Foggy) 2 825
1st Year Review1st Year Review (by: luluj) 4 966
Can mortgage lenders be changed during the course of an IVA ?Can mortgage lenders be changed during the course of an IVA ? (by: luluj) 3 867
My parents have an IVA, my dads lump sum pension is due to be paid soon.My parents have an IVA, my dads lump sum pension is due to be paid soon. (by: Foggy) 4 895
Will I have to pay my lump sum pension to creditors ?Will I have to pay my lump sum pension to creditors ? (by: Michael Peoples) 3 774
How long does it take to remove property restrictions from a failed IVA ?How long does it take to remove property restrictions from a failed IVA ? (by: Michael Peoples) 3 811
Hello..Im new. Several questionsHello..Im new. Several questions (by: abbiesmum2003) 20 1290
My wife doesnt want anything to do with my IVA.My wife doesnt want anything to do with my IVA. (by: Radish) 4 1040
Is Creditfix a reputable company ? I am struggling to find much information online.Is Creditfix a reputable company ? I am struggling to find much information online. (by: Stewart.24) 1 631
I started an IVA on a Civil Service pension. Now my State pension has commenced.I started an IVA on a Civil Service pension. Now my State pension has commenced. (by: lou3) 7 961
Any advice please on putting forward a convincing proposal for a full and final offer ?Any advice please on putting forward a convincing proposal for a full and final offer ? (by: Biscuits) 6 981
Hi I need to sell our home and relocate for work purposesHi I need to sell our home and relocate for work purposes (by: Michael Peoples) 4 862
Would customers or clients need to receive a copy of payments to creditors ?Would customers or clients need to receive a copy of payments to creditors ? (by: relieved33) 2 833
Would I need to report that I had moved in with someone after I had taken out an IVA ?Would I need to report that I had moved in with someone after I had taken out an IVA ? (by: Foggy) 3 865
Update. My IVA has now failed. Will creditors force bankruptcy ? Can they take my home ?Update. My IVA has now failed. Will creditors force bankruptcy ? Can they take my home ? (by: Nichola.70) 29 2419
Would it effect the person I move in with if I enter a new relationship while IVA is in place ?Would it effect the person I move in with if I enter a new relationship while IVA is in place ? (by: Foggy) 3 1009
How do I pay monthly payments and what happens if I do occasional overtime ?How do I pay monthly payments and what happens if I do occasional overtime ? (by: Foggy) 9 1427
Do we keep the balance of an inheritance ?Do we keep the balance of an inheritance ? (by: Foggy) 4 889
Rudely told by DFD that completion certificate will take longer due to complaint.Rudely told by DFD that completion certificate will take longer due to complaint. (by: TzeKin) 3 1122
Overpayments ?Overpayments ? (by: Foggy) 6 896
I am planning to go abroad.  Please explain to me what my options are?I am planning to go abroad. Please explain to me what my options are? (by: Michael Peoples) 6 1092
I am getting increasingly worried. My emails are being ignored by Kingsgate.I am getting increasingly worried. My emails are being ignored by Kingsgate. (by: Foggy) 25 2735
IVA Approved  Relief!IVA Approved Relief! (by: sosilly) 15 1529
What can I do ? Still not had my completion certificate 30 + months after final paymentWhat can I do ? Still not had my completion certificate 30 + months after final payment (by: Gareth) 10 2906
I am seriously considering an IVA. I want to get to the stage when I am debt free.I am seriously considering an IVA. I want to get to the stage when I am debt free. (by: Michael Peoples) 7 883
UniversityUniversity (by: Michael Peoples) 5 1118
Grey area on equity and valuation. Getting legal advice as I think its not as per agreement.Grey area on equity and valuation. Getting legal advice as I think its not as per agreement. (by: Foggy) 4 934
I am just going to go in to a Iva but very worriedI am just going to go in to a Iva but very worried (by: relieved33) 4 975
Can I push back by IVA payment a few days ?Can I push back by IVA payment a few days ? (by: relieved33) 3 923
Dont know what to think nowDont know what to think now (by: sonj77) 35 2888
Ive been contacted by GT to say Im in breach. My circumstances have drastically changedIve been contacted by GT to say Im in breach. My circumstances have drastically changed (by: Michael Peoples) 2 1014
I am starting an IVA and as I am retired I will not be able to remortgage.I am starting an IVA and as I am retired I will not be able to remortgage. (by: Michael Peoples) 3 930
When does this debt start, before or after the start of my IVA ?When does this debt start, before or after the start of my IVA ? (by: anthony wood) 1 738
My husband and I entered an IVA when our business ran into difficulties during the recession.My husband and I entered an IVA when our business ran into difficulties during the recession. (by: TzeKin) 7 1080

Next
IVA CALCULATOR
IVA CALCULATOR
  • Do I qualify?
  • How much written off?
  • Monthly payment amount?
  • Total Debt:
    £
  • No of creditors:
  • Income:
    £
  • Expenses:
    £
  • Own home?
    Yes No
  • NOTE:

    An IVA is not for everyone. This calculator will simply tell you whether it is an option for you.

  • Live Help
Resources
Social Media
Clear my debt

-Talk to an iva.co.uk advisor
-Relaxed chat, discuss options
-No upfront fees

  • Name
  • Email
  • Tel
  • Total Debt
  • What's the sum of 1 + 10 ?
    (spam protection)
Chat Now
Live Help
IVA.co.uk Newsletter
Reviews for IVA.co.uk
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.