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Top 150 Debt Questions from the IVA Forum
Active Topics on IVA Forum
TitlePostsViews
QuestionQuestion (by: Triggeruk54) 5 197
Am on an IVA and desperately need a business account.Am on an IVA and desperately need a business account. (by: longslog101) 8 422
We have done itWe have done it (by: lesley) 22 1489
PPI questionPPI question (by: lesley) 2 85
Can I get a credit card ?Can I get a credit card ? (by: lesley) 8 1064
StressedStressed (by: lesley) 19 427
Been in IVA for 3 + years but still get offers of an IVA. Now get letter saying IVA co. is changing.Been in IVA for 3 + years but still get offers of an IVA. Now get letter saying IVA co. is changing. (by: lesley) 8 453
Completion certificate!Completion certificate! (by: zee) 23 2183
Hi everyone, this is my first post on here and was wondering if I could get some adviceHi everyone, this is my first post on here and was wondering if I could get some advice (by: zee) 36 6514
Completion certificate is not worth the paper it is printed onCompletion certificate is not worth the paper it is printed on (by: zee) 12 1323
Can anyone recommend an IVA friendly car insurance ?Can anyone recommend an IVA friendly car insurance ? (by: zee) 19 3849
COMPLETECOMPLETE (by: zee) 12 298
Why do IVAs ask for equity release in year 4 ?Why do IVAs ask for equity release in year 4 ? (by: GL) 105 6844
How will I be affected if my partner moves in who has an IVA ?How will I be affected if my partner moves in who has an IVA ? (by: Foggy) 6 372
Can I cancel my outstanding debt ?Can I cancel my outstanding debt ? (by: Foggy) 4 202
How intrusive would an IVA application be into my personal finances ?How intrusive would an IVA application be into my personal finances ? (by: longslog101) 5 203
Any ideas please on the best way forward for us ?Any ideas please on the best way forward for us ? (by: longslog101) 34 2524
Why can I never get through to Freeman Jones even after 20 minutes wait ?Why can I never get through to Freeman Jones even after 20 minutes wait ? (by: lesley) 6 552
Reasonable full and final offerReasonable full and final offer (by: lesley) 8 368
I have been sent a notice on breach. Please advise what I should do.I have been sent a notice on breach. Please advise what I should do. (by: kallis3) 15 700
Is there any way I can get help paying for my bankruptcy ?Is there any way I can get help paying for my bankruptcy ? (by: Lisa Thomas) 12 578
If I up my IVA payments will my end date be brought forward ?If I up my IVA payments will my end date be brought forward ? (by: lifenoteasy) 17 650
Some company has offered to liquidate debts by 75%.Some company has offered to liquidate debts by 75%. (by: plasticdaft) 11 426
f and ff and f (by: kallis3) 4 490
Full and finalFull and final (by: KAYKAY) 21 792
extension Confusionextension Confusion (by: lifenoteasy) 9 732
Can I complain ? I think I have paid far too much for the original debt.Can I complain ? I think I have paid far too much for the original debt. (by: lifenoteasy) 25 1159
Full & Final AdviceFull & Final Advice (by: luluj) 17 1768
What am I supposed to do with all the communications from my creditors ?What am I supposed to do with all the communications from my creditors ? (by: kallis3) 3 471
Completion and Thanks to GTCompletion and Thanks to GT (by: MerlinL14) 10 1710
How much should the offer be for a full and final please ?How much should the offer be for a full and final please ? (by: Andy Davie) 4 599
Recommendations please for a trustworthy equity release companyRecommendations please for a trustworthy equity release company (by: Michael Peoples) 8 489
Can I still remortgage my property when its comes to renewal on my current fixed rate ?Can I still remortgage my property when its comes to renewal on my current fixed rate ? (by: Michael Peoples) 3 460
Possible 2nd IVA or Bankruptcy ?Possible 2nd IVA or Bankruptcy ? (by: Lisa Thomas) 6 564
How should I handle notice of breach ?How should I handle notice of breach ? (by: Lisa Thomas) 5 541
Do we have to inform IVA of wifes disability payment rebate and hand it over ?Do we have to inform IVA of wifes disability payment rebate and hand it over ? (by: Lisa Thomas) 5 569
Would I be able to sell house and keep equity which has been released as a secure loan ?Would I be able to sell house and keep equity which has been released as a secure loan ? (by: Crockshire) 22 1375
IVA 6yrs old mortgage accepted  Lender detailsIVA 6yrs old mortgage accepted Lender details (by: Michael Peoples) 10 744
The Calculator SiteThe Calculator Site (by: kallis3) 2 469
Question  Secured LoansQuestion Secured Loans (by: Michael Peoples) 5 502
Please show me the way to sell my house.Please show me the way to sell my house. (by: lifenoteasy) 9 824
Full and final offerFull and final offer (by: Evilmoo) 10 842
Told to take out a secured loan at extortionate rate. Please help.Told to take out a secured loan at extortionate rate. Please help. (by: longslog101) 5 655
F&F date set at last!F&F date set at last! (by: Evilmoo) 11 788
Dispute over failed IVA.Dispute over failed IVA. (by: Andy Davie) 9 990
So stressed out. I want to remortgage to be able to pay off IVA early.  Any advice pleaseSo stressed out. I want to remortgage to be able to pay off IVA early. Any advice please (by: Lisa Thomas) 5 827
Full and Final offer.  Has anyone any advice ?Full and Final offer. Has anyone any advice ? (by: Foggy) 11 899
Could we use redress on an interest hedging product to repay business loan not allowed in IVA ?Could we use redress on an interest hedging product to repay business loan not allowed in IVA ? (by: Lisa Thomas) 10 1914
Annual Review a couple of months before end of IVAAnnual Review a couple of months before end of IVA (by: Evette Everest) 12 1364
Wheres the catch ? Looking at an IVA proposal from Creditfix.Wheres the catch ? Looking at an IVA proposal from Creditfix. (by: kallis3) 28 2064
Keeping paperworkKeeping paperwork (by: kallis3) 5 645
Can machine games duty be included in an IVA?Can machine games duty be included in an IVA? (by: Michael Peoples) 3 785
I would like to officially announce that my IVA is now completed !I would like to officially announce that my IVA is now completed ! (by: plasticdaft) 19 2335
Weeks from completion (worried) (Freeman Jones)Weeks from completion (worried) (Freeman Jones) (by: zee) 16 3163
With beesleys and then creditfix last payment 1815. Completion certificates received 22815With beesleys and then creditfix last payment 1815. Completion certificates received 22815 (by: zee) 12 1096
Can Creditfix have PPI money if IVA completed and CC received April 2015 ?Can Creditfix have PPI money if IVA completed and CC received April 2015 ? (by: MrsR) 14 924
I need help please. I paid off my IVA 4 years ago. Thinking of selling my house with lots of equity.I need help please. I paid off my IVA 4 years ago. Thinking of selling my house with lots of equity. (by: Michael Peoples) 3 789
The creditors have not put in a claim. I have been paying more that I was supposed to.The creditors have not put in a claim. I have been paying more that I was supposed to. (by: Foggy) 2 747
IVA Complete! Time to rebuild! Any advice?IVA Complete! Time to rebuild! Any advice? (by: Shaun Vickery) 15 1596
If I set up an IVA how long until I could get a mortgage ?If I set up an IVA how long until I could get a mortgage ? (by: Shaun Vickery) 4 1295
Is there anyway we can find out whether our mortgage application will be declined ?Is there anyway we can find out whether our mortgage application will be declined ? (by: Shaun Vickery) 4 1034
After completing IVA will we be able to get a part buy part own mortgage ?After completing IVA will we be able to get a part buy part own mortgage ? (by: Shaun Vickery) 4 618
I would like to know the likelihood or options available to get another mortgage.I would like to know the likelihood or options available to get another mortgage. (by: Shaun Vickery) 4 619
Change from DMP to IVA?Change from DMP to IVA? (by: MrsR) 6 607
i live in N.I.  Can I sell my house and offer half the mortgage savings to IVA ?i live in N.I. Can I sell my house and offer half the mortgage savings to IVA ? (by: whitelabcoat) 6 702
Final calculation shockFinal calculation shock (by: Foggy) 56 7376
PPI cheque from CreditfixPPI cheque from Creditfix (by: Foggy) 2 626
Is there a formal proceedure before an IVA fails ? There is a good chance I can rescue mine.Is there a formal proceedure before an IVA fails ? There is a good chance I can rescue mine. (by: Lisa Thomas) 7 883
Hi there   Can I use some of my forthcoming pension to pay off IVA early ?Hi there Can I use some of my forthcoming pension to pay off IVA early ? (by: Lisa Thomas) 14 2144
Is this arrangement to pay creditors an IVA ? Will this affect my application to rent ?Is this arrangement to pay creditors an IVA ? Will this affect my application to rent ? (by: Michael Peoples) 4 859
Help please,,letter out of the blueHelp please,,letter out of the blue (by: lesley) 15 1251
Debt Lifeboat saying if I dont take a secured loan to release equity they will terminate my IVA.Debt Lifeboat saying if I dont take a secured loan to release equity they will terminate my IVA. (by: darthivader) 34 6606
When does IVA entry drop off credit report ?When does IVA entry drop off credit report ? (by: zee) 18 2179
Completion Certificate receivedCompletion Certificate received (by: zee) 10 1405
Will I be able to get a new car on finance ? I completed my IVA in April after 5 years.Will I be able to get a new car on finance ? I completed my IVA in April after 5 years. (by: lesley) 6 980
Hi I need to get public liability and business insurance. Can anyone help please ?Hi I need to get public liability and business insurance. Can anyone help please ? (by: lesley) 3 907
PPIPPI (by: lesley) 4 900
Pleased 😊Pleased 😊 (by: lesley) 19 1460
voluntary severancevoluntary severance (by: lifenoteasy) 15 1905
New ProtocolNew Protocol (by: longslog101) 18 3037
Should I inform IVA that I no longer need my partners help to make payments ?Should I inform IVA that I no longer need my partners help to make payments ? (by: KAYKAY) 8 1275
After completed IVA will I be hassled by creditors ?After completed IVA will I be hassled by creditors ? (by: KAYKAY) 9 1342
Remortgages and secured loans. I need some clarification as clearly I am confused.Remortgages and secured loans. I need some clarification as clearly I am confused. (by: KAYKAY) 5 966
Can this actually be true to put someone in 15 years more debt ?Can this actually be true to put someone in 15 years more debt ? (by: Foggy) 2 892
RX1RX1 (by: darthivader) 11 1280
How do I get an email address for Creditfix please ?How do I get an email address for Creditfix please ? (by: DMB) 3 902
Partially satisfied entry on credit report ?Partially satisfied entry on credit report ? (by: darthivader) 3 926
Im in debt and struggling to pay it back. Im due to go on maternity leave soon.Im in debt and struggling to pay it back. Im due to go on maternity leave soon. (by: Michael Peoples) 4 933
Self storage costSelf storage cost (by: Michael Peoples) 3 939
Grant ThorntonGrant Thornton (by: MikeyM) 2 838
After f&fAfter f&f (by: Foggy) 2 813
Credit FilesCredit Files (by: longslog101) 16 1170
AnnoyedAnnoyed (by: kallis3) 19 3832
advice on IP issuesadvice on IP issues (by: Michael Peoples) 4 1096
Some clarification would be appreciated on offering a secured loan as full and finals settlementSome clarification would be appreciated on offering a secured loan as full and finals settlement (by: Timbo14) 5 1093
A secured loan to release equity is being asked for when terms state a further year of payments.A secured loan to release equity is being asked for when terms state a further year of payments. (by: Foggy) 20 2239
wife might return to workwife might return to work (by: Foggy) 6 956
IVA CompaniesIVA Companies (by: kallis3) 9 1050
Is there any way I can leave my IVA and enter a debt management plan ?Is there any way I can leave my IVA and enter a debt management plan ? (by: Lisa Thomas) 5 1116
getting a mortgage really achievable?getting a mortgage really achievable? (by: Christabellesparkle) 10 1235
Now married my husband has moved in but works away for 1 to 2 weeks at a time.Now married my husband has moved in but works away for 1 to 2 weeks at a time. (by: Michael Peoples) 4 994
85 % LTV equity release ?85 % LTV equity release ? (by: Michael Peoples) 11 1071
Does my creditors include my employer when I have taken a staff loan ?Does my creditors include my employer when I have taken a staff loan ? (by: Michael Peoples) 4 941
Worry that I may have to reject pay rise to stay in IVA, limiting my career path.Worry that I may have to reject pay rise to stay in IVA, limiting my career path. (by: Michael Peoples) 4 992
Hello everyone, this is my first time visiting and wondering if anyone could please help.Hello everyone, this is my first time visiting and wondering if anyone could please help. (by: lesley) 8 1017
Being hassled to increase payments, now received call saying I can reduce my debts by 70%.Being hassled to increase payments, now received call saying I can reduce my debts by 70%. (by: Chris.l) 7 970
Out of a job,  I have not missed payments to my IVA so far but have no more money.Out of a job, I have not missed payments to my IVA so far but have no more money. (by: Lisa Thomas) 4 1119
Tax credit overpayment queryTax credit overpayment query (by: lifenoteasy) 3 1081
Variation MeetingVariation Meeting (by: Lisa Thomas) 10 1659
Told by IP it could take 16 weeks to get overpayment back. Can they do this ?Told by IP it could take 16 weeks to get overpayment back. Can they do this ? (by: lesley) 33 4149
At my wits end with DFD taking forever to do anything. Desperate to sort out debt and divorce.At my wits end with DFD taking forever to do anything. Desperate to sort out debt and divorce. (by: Lisa Thomas) 11 1346
Its taken nearly 3 years to close!Its taken nearly 3 years to close! (by: Lisa Thomas) 11 1345
IVA extended from 60 months to 93 months.  Can I do anything about this ?IVA extended from 60 months to 93 months. Can I do anything about this ? (by: Lisa Thomas) 5 1263
Will I be forced to sell an investment property at the end of a 6 year IVA ?Will I be forced to sell an investment property at the end of a 6 year IVA ? (by: Lisa Thomas) 5 1100
When offering a f&f settlement figure do you include the IVA company fees ?When offering a f&f settlement figure do you include the IVA company fees ? (by: lifenoteasy) 5 1154
Second opinion wanted for whether a review is required for extra year.Second opinion wanted for whether a review is required for extra year. (by: KAYKAY) 8 1807
Can my supervisor impose extra costs after IVA has been paid off ?Can my supervisor impose extra costs after IVA has been paid off ? (by: Lisa Thomas) 8 1305
Would be extremely grateful for advice on how much I should offer for full and final settlement.Would be extremely grateful for advice on how much I should offer for full and final settlement. (by: Lisa Thomas) 4 1100
Advice please on full & final settlementsAdvice please on full & final settlements (by: Foggy) 10 1040
Can creditors ask for lump sum to pay outstanding debts after IVA finished ?Can creditors ask for lump sum to pay outstanding debts after IVA finished ? (by: Lisa Thomas) 4 1179
How long is the maximum time in which the completion certificate must be issued ?,How long is the maximum time in which the completion certificate must be issued ?, (by: Evette Everest) 4 1111
Is this the way payments are made on joint loans ?Is this the way payments are made on joint loans ? (by: Lisa Thomas) 5 1305
IVA early completitionIVA early completition (by: Lisa Thomas) 5 1074
What happens now I have had an early settlement offer accepted ?What happens now I have had an early settlement offer accepted ? (by: luluj) 6 1043
Is there anyway we can appeal Cleardebts decision to refer us to GF for secured borrowing ?Is there anyway we can appeal Cleardebts decision to refer us to GF for secured borrowing ? (by: Jeandd62) 6 1320
Im l doing the right thingIm l doing the right thing (by: jolou) 9 1104
Restrictions at LRRestrictions at LR (by: na) 13 2813
Looking for fixed rate mortgage. We are in process of selling and just paid off IVALooking for fixed rate mortgage. We are in process of selling and just paid off IVA (by: Michael Peoples) 2 1004
Pre employment checksPre employment checks (by: welshwiz) 8 2436
Hi just had my review and they will not accept some of my expenditureHi just had my review and they will not accept some of my expenditure (by: Michael Peoples) 9 1458
IVA completed earlyIVA completed early (by: relieved33) 7 1896
Its been a good dayIts been a good day (by: relieved33) 13 1258
Grant Thornton now called ApetureGrant Thornton now called Apeture (by: longslog101) 9 1269
Will the 50% of my yearly bonus which goes into IVA means it ends early ?Will the 50% of my yearly bonus which goes into IVA means it ends early ? (by: Foggy) 2 1105
Will CCJ come off once IVA is finished ? Also, could I settle a little earlier ?Will CCJ come off once IVA is finished ? Also, could I settle a little earlier ? (by: Foggy) 2 1091
What can I do about creditor who refuses to remove default 6 years plus from start date of IVA ?What can I do about creditor who refuses to remove default 6 years plus from start date of IVA ? (by: Foggy) 2 1148
HMRC  a law unto themselves?HMRC a law unto themselves? (by: Evilmoo) 14 2199
Grant Thornton PPI email addressGrant Thornton PPI email address (by: jeffw) 4 2088
Fingers crossedFingers crossed (by: Foggy) 5 1118
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: Spencer.Last) 26 4900
Call Credit  NoddleCall Credit Noddle (by: Helping Hand) 2 2268
help needed pleasehelp needed please (by: stevie43) 3 1075
Hello,I just want some advice. I am in year 3  and feel I could now continue without IVA .Hello,I just want some advice. I am in year 3 and feel I could now continue without IVA . (by: lesley) 16 1203
Hi. Application for a loan to clear overdraft and credit card denied.Hi. Application for a loan to clear overdraft and credit card denied. (by: Lisa Thomas) 6 1651
Can I transfer high court enforcement debts to an IVA from failed business as sole trader ?Can I transfer high court enforcement debts to an IVA from failed business as sole trader ? (by: Lisa Thomas) 4 1528
I do not want a mortgage until I am 68, my job is too demanding.I do not want a mortgage until I am 68, my job is too demanding. (by: Lisa Thomas) 4 1487
Can I sell my house which was not included in the IVA without losing equity to creditors ?Can I sell my house which was not included in the IVA without losing equity to creditors ? (by: Foggy) 3 1132
Clearscore.comClearscore.com (by: lesley) 8 1559
What are the implications for my wife regarding remortgage in year 5 and joint Nram mortgage ?What are the implications for my wife regarding remortgage in year 5 and joint Nram mortgage ? (by: Tim24752) 4 1477
Credit ReportsCredit Reports (by: MerlinL14) 6 1235

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