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Top 150 Debt Questions from the IVA Forum
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TitlePostsViews
Washing machine b*****edWashing machine b*****ed (by: seagulls) 5 87
I have asked to speak to my supervisor. GT say that is not the way it works. Please help.I have asked to speak to my supervisor. GT say that is not the way it works. Please help. (by: MelanieGiles) 6 249
Transfering IVAsTransfering IVAs (by: MelanieGiles) 3 109
Dispute regarding the firm called: Debt Support Centre.Dispute regarding the firm called: Debt Support Centre. (by: MelanieGiles) 34 828
EIF!EIF! (by: orchid5) 8 156
Are creditors allowed to make a profit when selling debt to another company ?Are creditors allowed to make a profit when selling debt to another company ? (by: MelanieGiles) 3 118
Delayed completion....on credit file longer ???Delayed completion....on credit file longer ??? (by: 12 months to go) 9 198
Did any one else get the GT letter about Boxclever undertaking market research for them ?Did any one else get the GT letter about Boxclever undertaking market research for them ? (by: viperboyz) 22 422
HELP! Is IVA company going to extend and ask for more money ?  DESPERATE.HELP! Is IVA company going to extend and ask for more money ? DESPERATE. (by: lesley) 2 88
Hi, I completed an IVA over a yr ago and have been trying to rebuild credit rating.Hi, I completed an IVA over a yr ago and have been trying to rebuild credit rating. (by: lesley) 2 57
Debt company say I owe more yet partner has lost her income and expenses have increased.Debt company say I owe more yet partner has lost her income and expenses have increased. (by: Keith.dv) 1 47
What does IVA service cost ? Will my home be released from debt attachments after 5 years ?What does IVA service cost ? Will my home be released from debt attachments after 5 years ? (by: plasticdaft) 4 129
Hello again. Can anyone help as I seem to be going around in circles !Hello again. Can anyone help as I seem to be going around in circles ! (by: fedup and broke) 4 183
Hello. My IVA  finishes in October.  Should I try to end it sooner ?Hello. My IVA finishes in October. Should I try to end it sooner ? (by: Biscuits) 5 162
my 5 year iva ends in September 2013...my car needs to have some repairs.my 5 year iva ends in September 2013...my car needs to have some repairs. (by: luluj) 3 98
Dare we hope this is the endDare we hope this is the end (by: luluj) 3 137
Life after an IVALife after an IVA (by: VirtualUnknown) 10 315
Will I be able to use car allowance to get finance for a car ?Will I be able to use car allowance to get finance for a car ? (by: luluj) 3 119
IP advised that most business that enter an IVA have a flaw and fail within IVA period ?IP advised that most business that enter an IVA have a flaw and fail within IVA period ? (by: Andy Davie) 2 199
Iva still showing on credit fileIva still showing on credit file (by: Almostthere13) 5 161
Current accountCurrent account (by: Almostthere13) 13 397
full and final settlement advicefull and final settlement advice (by: Hyperdrive) 15 537
We have equity release clause in our IVA.We have equity release clause in our IVA. (by: welshwiz) 6 130
I am in the 4th year of my Iva. My job has now changed. I can no longer afford paymentsI am in the 4th year of my Iva. My job has now changed. I can no longer afford payments (by: Tinad6613) 5 241
Will be 65 next year and have small lump sum from pension. Will I have to pay this over ?Will be 65 next year and have small lump sum from pension. Will I have to pay this over ? (by: lem) 3 89
vatvat (by: 4kidsnocash) 14 377
My completion storyMy completion story (by: Pennyless) 15 703
Is this ever going to end.. DFDEIF related :(Is this ever going to end.. DFDEIF related :( (by: orchid5) 11 295
GT DeedGT Deed (by: foreverbroke) 1 94
Is there a time limit for the issue of a completion certificate ?Is there a time limit for the issue of a completion certificate ? (by: Foggy) 6 144
I am struggling. Would PPI money be taken into consideration for reducing payments ?I am struggling. Would PPI money be taken into consideration for reducing payments ? (by: lem) 3 140
5 months in and struggling to manage!5 months in and struggling to manage! (by: lem) 13 409
Variation ProposalVariation Proposal (by: lem) 4 199
Hi.  IVA completed Oct. 12.  I have CC.  PPI money sent to Freeman JonesHi. IVA completed Oct. 12. I have CC. PPI money sent to Freeman Jones (by: lem) 3 127
Hi All. We have struggled the whole time.  If my IVA fails will DFD petition for bankruptcy ?Hi All. We have struggled the whole time. If my IVA fails will DFD petition for bankruptcy ? (by: slushysnow) 10 404
The start of a new begining!The start of a new begining! (by: slushysnow) 16 351
My IVA requires me to sell the house (remortgage is impossible)My IVA requires me to sell the house (remortgage is impossible) (by: MelanieGiles) 5 371
Tyler Morgan Claims LimitedTyler Morgan Claims Limited (by: MelanieGiles) 12 238
Hi. Im having an issue completing my IVA.Hi. Im having an issue completing my IVA. (by: MelanieGiles) 2 107
First Year reviewFirst Year review (by: MelanieGiles) 9 168
Starting to feel like an IVA is for life and not the 5 years. Please adviseStarting to feel like an IVA is for life and not the 5 years. Please advise (by: mole) 11 553
2nd review, need to have a rant2nd review, need to have a rant (by: admin) 13 388
Hi Melanie thank you for replying.Hi Melanie thank you for replying. (by: MelanieGiles) 2 116
Who do I make a written complaint to about my IVA ?Who do I make a written complaint to about my IVA ? (by: luluj) 6 134
Savings prior to ivaSavings prior to iva (by: luluj) 5 288
Freeman Jones complaintFreeman Jones complaint (by: TheVictim1971) 60 3110
Completion Certificate delaysCompletion Certificate delays (by: MelanieGiles) 8 254
Shylock Malware & HSBC Secure keyShylock Malware & HSBC Secure key (by: UpToMyNeckInIt) 18 486
IVA Completion With DFD  PPIIVA Completion With DFD PPI (by: orchid5) 8 377
Iceland £5 VoucherIceland £5 Voucher (by: Hyperdrive) 3 216
Im due to get a pay increase of 5k, I like the idea of having extra money for myselfIm due to get a pay increase of 5k, I like the idea of having extra money for myself (by: Cherean.7) 21 642
Tyler Morgan Claims LimitedTyler Morgan Claims Limited (by: MelanieGiles) 16 2614
At last its done! well almost!At last its done! well almost! (by: lesley) 25 1422
StatementStatement (by: slapnuts2001) 26 841
At the end of my IVA could I be forced to sell my car ?At the end of my IVA could I be forced to sell my car ? (by: nickjohn) 4 141
Hi all Im new on here. Will I be forced to sell my house? Im desperate to keep family home.Hi all Im new on here. Will I be forced to sell my house? Im desperate to keep family home. (by: MelanieGiles) 2 119
Please could you advise how Full and Final with equity works ?Please could you advise how Full and Final with equity works ? (by: MelanieGiles) 2 95
Grant Thornton said call and see how we can help only to be told its a budget  stick to itGrant Thornton said call and see how we can help only to be told its a budget stick to it (by: MelanieGiles) 13 420
Sky v VirginSky v Virgin (by: deepinit) 9 354
Creditors chasing paymentsCreditors chasing payments (by: MelanieGiles) 8 335
School GovernorSchool Governor (by: smiler1946) 4 155
Completion dateCompletion date (by: Almostthere13) 3 193
I just want a straight answer!!I just want a straight answer!! (by: luluj) 11 262
Personal Injury ClaimPersonal Injury Claim (by: MelanieGiles) 33 1497
In 7th year of IVA with GT. Does any of the following seem out of order or perfectly fair ?In 7th year of IVA with GT. Does any of the following seem out of order or perfectly fair ? (by: MelanieGiles) 4 313
Variation meetingVariation meeting (by: lesley) 3 132
Partners debtIVA from previous marriagePartners debtIVA from previous marriage (by: Andy Davie) 2 173
Wage SlipsWage Slips (by: Goosed) 5 403
Hi thereHi there (by: Struzzo39) 4 147
The closer you get, the farther it seems!The closer you get, the farther it seems! (by: Poppy1) 12 365
Dear All Please can I have a copy of the R3 Standard Conditions to Voluntary arrangementsDear All Please can I have a copy of the R3 Standard Conditions to Voluntary arrangements (by: MelanieGiles) 82 1420
Do all companies charge for arranging an IVA?Do all companies charge for arranging an IVA? (by: MelanieGiles) 4 201
IPs getting tougher as IVA nears conclusionIPs getting tougher as IVA nears conclusion (by: MelanieGiles) 7 534
Hi. I hope someone can clarify things for me ?I I would be so grateful for any helpHi. I hope someone can clarify things for me ?I I would be so grateful for any help (by: MelanieGiles) 13 434
If I qualified for an IVA, would I lose my car ?If I qualified for an IVA, would I lose my car ? (by: MelanieGiles) 9 279
Can IVA company take a successful claim off me from a secured debt ?Can IVA company take a successful claim off me from a secured debt ? (by: MelanieGiles) 8 251
Hi. IVA company want us to remortgage and extend the term by a further 12 monthsHi. IVA company want us to remortgage and extend the term by a further 12 months (by: MelanieGiles) 5 271
Sorry, more help neededSorry, more help needed (by: MelanieGiles) 2 149
i paid my last IVA payment to DFD in May 2012.  Are certificates being issued again ?i paid my last IVA payment to DFD in May 2012. Are certificates being issued again ? (by: loopylass81) 8 242
Finished paying IVA with DFD.  What happens to PPI claim if creditor has lost loan agreement ?Finished paying IVA with DFD. What happens to PPI claim if creditor has lost loan agreement ? (by: luluj) 10 626
IVA BlogsIVA Blogs (by: lesley) 7 166
Completed IVA  PPI HelpCompleted IVA PPI Help (by: Alimay) 17 775
Poof you can back into mainstream bankingPoof you can back into mainstream banking (by: UpToMyNeck) 11 610
How to deal with IVA proceeding court battle?How to deal with IVA proceeding court battle? (by: Michael Peoples) 8 286
PPI  With a twistPPI With a twist (by: mole) 11 343
I can see IVA as the best way forward and have a few questions ..I can see IVA as the best way forward and have a few questions .. (by: Hyperdrive) 14 581
F&F Iva from the outsetF&F Iva from the outset (by: MelanieGiles) 8 251
How does a Loan with 2 Guarantors work?How does a Loan with 2 Guarantors work? (by: MelanieGiles) 21 436
GT delaying completion. Say they will take all the severance pay I have been offeredGT delaying completion. Say they will take all the severance pay I have been offered (by: MelanieGiles) 74 5035
Hi, I have just been selected as a school govenor,Hi, I have just been selected as a school govenor, (by: luluj) 7 277
HP and an IVAHP and an IVA (by: MelanieGiles) 11 509
Would anyone be able to give me some advice and help on working out apr on a loan ?Would anyone be able to give me some advice and help on working out apr on a loan ? (by: MelanieGiles) 5 217
if I lump sum iva will my credit still be affected ?if I lump sum iva will my credit still be affected ? (by: lesley) 6 276
FF QuestionFF Question (by: plasticdaft) 5 243
Where does the Lloydstsb Data controller Live ?Where does the Lloydstsb Data controller Live ? (by: plasticdaft) 3 256
EIC Pink Spotty Letter & GTEIC Pink Spotty Letter & GT (by: plasticdaft) 6 315
Tomorrows the day!!Tomorrows the day!! (by: lesley) 35 1003
Is it normal for your credit file to not show your IVA ?Is it normal for your credit file to not show your IVA ? (by: Tina Shortland) 8 319
Credit Report  does it all disappear after yearsCredit Report does it all disappear after years (by: Tab) 3 222
IVA completion with DFDIVA completion with DFD (by: loopylass81) 1 135
Hi, today received a letter with a notice of breach.Hi, today received a letter with a notice of breach. (by: Andy Davie) 5 408
I received a letter from my loan provider with a notice of breach.I received a letter from my loan provider with a notice of breach. (by: plasticdaft) 11 408
Credit file errorCredit file error (by: luluj) 2 169
12 months extension12 months extension (by: MelanieGiles) 5 399
Redundancy.  Hello All. Am I able to pay off my and my husbands IVA ?Redundancy. Hello All. Am I able to pay off my and my husbands IVA ? (by: MelanieGiles) 2 176
CLEARDEBT  DRSP  PPI  MISLEADINGCLEARDEBT DRSP PPI MISLEADING (by: nickjohn) 60 2511
Good day. A cheaper alternative to my IVA ?  Your advice would be much appreciated.Good day. A cheaper alternative to my IVA ? Your advice would be much appreciated. (by: mole) 7 310
Hi, i am considering entering an FTVA through the official receiverHi, i am considering entering an FTVA through the official receiver (by: MelanieGiles) 3 677
How much should a trustee charge in bankruptcy fees ?How much should a trustee charge in bankruptcy fees ? (by: MelanieGiles) 16 712
Morning? I am self employed and in an IVA but am concerned I have been misledMorning? I am self employed and in an IVA but am concerned I have been misled (by: MelanieGiles) 6 282
Thought it was the endThought it was the end (by: fedup and broke) 11 620
Do I wait until I receive my bonus before signing proposal ?Do I wait until I receive my bonus before signing proposal ? (by: Slekclarke) 22 582
Told I have to hand over my pension. I need this to survive as I am unemployed.Told I have to hand over my pension. I need this to survive as I am unemployed. (by: MelanieGiles) 3 292
Creditors meeting arrangedCreditors meeting arranged (by: MelanieGiles) 10 308
Hello...This is my first post ...so please be gentleHello...This is my first post ...so please be gentle (by: AppreciateAdvice) 16 416
BonusBonus (by: Foggy) 4 165
Hi, how will valuation and current equity affect my IVA ?Hi, how will valuation and current equity affect my IVA ? (by: Cilla) 9 216
Hi there.  I was wonderiong about my chances of getting a mortgage after doing an IVAHi there. I was wonderiong about my chances of getting a mortgage after doing an IVA (by: luluj) 7 246
hi is it possible to sell our home and move to somewhere else of equal value ?hi is it possible to sell our home and move to somewhere else of equal value ? (by: luluj) 7 199
Is a home broadband and home phone contract classed as credit when in an IVA ?Is a home broadband and home phone contract classed as credit when in an IVA ? (by: plasticdaft) 3 173
IVA almost complete!IVA almost complete! (by: Michael Peoples) 2 185
My business has now failed and I am unemployedMy business has now failed and I am unemployed (by: Kelly O) 2 154
Stepchange Budget Guidelines 2012Stepchange Budget Guidelines 2012 (by: UpToMyNeckInIt) 24 925
I will not be able to afford the rise in IVA payments.  What should I do ?I will not be able to afford the rise in IVA payments. What should I do ? (by: lesley) 4 232
FF Sumer Get Together 13 July 2013FF Sumer Get Together 13 July 2013 (by: lesley) 60 1907
just a thought abut interest on PPIjust a thought abut interest on PPI (by: 4kidsnocash) 4 234
Worth ComplaingCredit FileWorth ComplaingCredit File (by: Robbieboy) 6 385
P60 £14,000 less earned than last yearP60 £14,000 less earned than last year (by: Hyperdrive) 4 300
Settlement advice neededSettlement advice needed (by: flaminskint) 7 383
Change in case officer. Problems.Change in case officer. Problems. (by: thomowolf1971) 6 446
We are currently on an IVA and our very old TV has just finally died on us.We are currently on an IVA and our very old TV has just finally died on us. (by: lem) 14 507
PPIPPI (by: lem) 3 303
Nightmare!!Nightmare!! (by: lem) 8 473
Coming towards the end of IVAComing towards the end of IVA (by: Reliefman) 3 437
Freeman Jones.  F&F excepted 8th of March and 9 weeks later, my completion certificate.Freeman Jones. F&F excepted 8th of March and 9 weeks later, my completion certificate. (by: wiggle1) 13 383
Stressed newbie needing adviceStressed newbie needing advice (by: wiggle1) 19 502
received IVA draft Proposalreceived IVA draft Proposal (by: Slekclarke) 14 448
I just want to ask if a person is under IVA can they rent out their current property ?I just want to ask if a person is under IVA can they rent out their current property ? (by: alameperapautanga) 3 286
Opening Childs savings accountOpening Childs savings account (by: lesley) 7 275
My wages show expenses (petrol) . Do I include them in an IVA as added income ?My wages show expenses (petrol) . Do I include them in an IVA as added income ? (by: John.gs) 4 319
Hi Mel. You replied to my earlier posting about PPI, please could you give me more advice ?Hi Mel. You replied to my earlier posting about PPI, please could you give me more advice ? (by: dawn20) 3 253
Told Im in breach. I put the wrong dates on annual review.Told Im in breach. I put the wrong dates on annual review. (by: Michael Peoples) 2 344
need to moveneed to move (by: thelight) 6 382
How long does it take to set up an IVA?  I have just read about themHow long does it take to set up an IVA? I have just read about them (by: Michael Peoples) 3 225
Definite windfall!!Definite windfall!! (by: Michael Peoples) 16 656
Phone contract for daughter?Phone contract for daughter? (by: 4kidsnocash) 18 694
Moving in with my boyfriend.  Would this make any difference to his IVA ?Moving in with my boyfriend. Would this make any difference to his IVA ? (by: UpToMyNeckInIt) 3 247
Hi. Professional Indemnity and Public Liability insurance.  Suggestions much appreciated.Hi. Professional Indemnity and Public Liability insurance. Suggestions much appreciated. (by: UpToMyNeckInIt) 5 250
Hi. Do I pay tax on my business miles expenses ?Hi. Do I pay tax on my business miles expenses ? (by: UpToMyNeckInIt) 4 181
The CoopThe Coop (by: kazzafunk) 6 457

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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.