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
Can you request that IVA payments be taken at the end of the month after payday ?Can you request that IVA payments be taken at the end of the month after payday ? (by: mole) 7 225
Is there a time limit for the issuing of a completion certificate ? Last payment October 2012Is there a time limit for the issuing of a completion certificate ? Last payment October 2012 (by: Andy Davie) 10 175
Unable to make all my payments as company I was working for has gone bustUnable to make all my payments as company I was working for has gone bust (by: Andy Davie) 2 8
Nearly thereNearly there (by: Struzzo39) 8 170
I offered a full and final payment 10 months ago and just heard company has gone into liquidation.I offered a full and final payment 10 months ago and just heard company has gone into liquidation. (by: Mick.99) 7 234
Will Santander close my current account ?Will Santander close my current account ? (by: MelanieGiles) 10 387
I have 8 months left to run on my IVA (yeah!!!).I have 8 months left to run on my IVA (yeah!!!). (by: MelanieGiles) 8 226
Baby during IVABaby during IVA (by: MelanieGiles) 9 172
We are going ahead with a joint IVA while we have the chance.We are going ahead with a joint IVA while we have the chance. (by: MelanieGiles) 3 154
F & F PaymentsF & F Payments (by: MelanieGiles) 19 850
My IVA with Grant Thornton was supposed to complete last April. Still not got completion cert.My IVA with Grant Thornton was supposed to complete last April. Still not got completion cert. (by: MelanieGiles) 10 332
I would like to know about PPI and an IVA agreement.I would like to know about PPI and an IVA agreement. (by: MelanieGiles) 9 183
I dont understand the point saying youll be unable to borrow yet able to get a mortgageI dont understand the point saying youll be unable to borrow yet able to get a mortgage (by: MelanieGiles) 4 252
Can relatives be penalised for not giving IP  part of estate ?Can relatives be penalised for not giving IP part of estate ? (by: MelanieGiles) 3 46
I have been trying for 4 weeks to get  DFD to send me a copy of completion letter. Any ideas ?I have been trying for 4 weeks to get DFD to send me a copy of completion letter. Any ideas ? (by: MelanieGiles) 2 26
IVA Approved TodayIVA Approved Today (by: Michael Peoples) 10 89
Summer Get Together 13 July 2013Summer Get Together 13 July 2013 (by: luluj) 34 1104
**ATTENTION** Summer Get Together 13 July**ATTENTION** Summer Get Together 13 July (by: luluj) 1 71
GT have changed the terms of my IVA,  including PPI payments. Any advice appreciated.GT have changed the terms of my IVA, including PPI payments. Any advice appreciated. (by: MelanieGiles) 11 328
Tax Rebate and child tax creditrs repaymentTax Rebate and child tax creditrs repayment (by: MelanieGiles) 2 128
Hi,Im thinking of taking out an IVA, but I have a joint mortgage with estranged wife.Hi,Im thinking of taking out an IVA, but I have a joint mortgage with estranged wife. (by: MelanieGiles) 5 89
Is there any way I can add to my IVA living costs for my son who is going to university.Is there any way I can add to my IVA living costs for my son who is going to university. (by: MelanieGiles) 3 141
Can I chose just some off my debts to be dealt with in an IVA ?Can I chose just some off my debts to be dealt with in an IVA ? (by: MelanieGiles) 3 107
Hi.  Non committal attitude of DFD towards our equity release is making my wife ill. Please advise.Hi. Non committal attitude of DFD towards our equity release is making my wife ill. Please advise. (by: MelanieGiles) 27 1279
I cant afford anywhere near what is said to be a reasonable payment per monthI cant afford anywhere near what is said to be a reasonable payment per month (by: MelanieGiles) 6 299
just wondering when someone is going to sort out the PPI issuesjust wondering when someone is going to sort out the PPI issues (by: kittyface) 38 1208
Finding the best company for us to start an IVA ?Finding the best company for us to start an IVA ? (by: Andy Davie) 5 83
accepted todayaccepted today (by: MelanieGiles) 10 192
Will having an IVA affect my application for a permanent residents visa to Australia ?Will having an IVA affect my application for a permanent residents visa to Australia ? (by: MelanieGiles) 3 163
F&F Hiatus with PayPlanF&F Hiatus with PayPlan (by: MelanieGiles) 3 187
ADVICE, ADVICE PLEASE.  I cant get GT to contact me about F&F offer. I am panicking.ADVICE, ADVICE PLEASE. I cant get GT to contact me about F&F offer. I am panicking. (by: MelanieGiles) 3 134
Can I apply for a credit card to pay company expenses ?Can I apply for a credit card to pay company expenses ? (by: MelanieGiles) 3 76
Can child maintenance debt has been passed to a debt company be included in bankruptcy ?Can child maintenance debt has been passed to a debt company be included in bankruptcy ? (by: MelanieGiles) 4 126
Is this ever going to end.. DFDEIF related :(Is this ever going to end.. DFDEIF related :( (by: orchid5) 38 1795
Who is in charge ? Grant Thornton or EIC.  Something strange seems to be going on here.Who is in charge ? Grant Thornton or EIC. Something strange seems to be going on here. (by: MelanieGiles) 9 425
Does the IVA still remain on the register for 6 years if it has been concluded early?Does the IVA still remain on the register for 6 years if it has been concluded early? (by: back on track) 4 81
Extra funds whilst in an IVAExtra funds whilst in an IVA (by: MelanieGiles) 3 173
Can it be right that I pay more than my original debt plus fees ?Can it be right that I pay more than my original debt plus fees ? (by: luluj) 6 265
Post ivaPost iva (by: luluj) 3 67
Can my Mums IVA be changed to a debt relief order? She can no longer afford the payments.Can my Mums IVA be changed to a debt relief order? She can no longer afford the payments. (by: Michael Peoples) 11 321
Can I improve my credit rating as my IVA finished 2 years ago ?Can I improve my credit rating as my IVA finished 2 years ago ? (by: Foggy) 3 63
Offer madeOffer made (by: MelanieGiles) 3 97
I am in the process of clearing up my credit recordsI am in the process of clearing up my credit records (by: inextinguishable) 22 719
I have made a terrible mistake. WilI be made bankrupt or can I start another IVA ?I have made a terrible mistake. WilI be made bankrupt or can I start another IVA ? (by: Little miss trouble) 7 380
IVA APPROVEDIVA APPROVED (by: Sally1966) 23 408
post IVA credit checkpost IVA credit check (by: TheMatrix) 5 139
What happens after partners in a joint IVA separate ?What happens after partners in a joint IVA separate ? (by: Foggy) 2 96
Quick question on mobile phone contractsQuick question on mobile phone contracts (by: winterblues) 3 131
Post IVA Credit Report HelpPost IVA Credit Report Help (by: TheMatrix) 8 201
bankruptcy discarge in 6 weeks yippeebankruptcy discarge in 6 weeks yippee (by: Andy Davie) 5 231
Hi All Just thought I would post a quick note of regret for my aggressive improper attitudeHi All Just thought I would post a quick note of regret for my aggressive improper attitude (by: Andy Davie) 19 756
Can I take part in the green deal energy offer whilst in an IVA ?Can I take part in the green deal energy offer whilst in an IVA ? (by: Andy Davie) 3 152
I am struggling to get covered for public liability insurance.  Any advice with this ?I am struggling to get covered for public liability insurance. Any advice with this ? (by: Andy Davie) 3 139
I know Im not supposed to get a loan for a car but without it we will not be able to get to work.I know Im not supposed to get a loan for a car but without it we will not be able to get to work. (by: Foggy) 2 145
Accepted for  Credit Card. Finally recovering!Accepted for Credit Card. Finally recovering! (by: lesley) 12 469
DFD giving me problems in my final yearDFD giving me problems in my final year (by: Radish) 5 195
Not agreed to GT T&CsNot agreed to GT T&Cs (by: viperboyz) 9 381
My husband has an IVA. Is there anyway I can move and still own my own property ?My husband has an IVA. Is there anyway I can move and still own my own property ? (by: lesley) 2 124
When do I have to stop declaring an IVA? Mine started march 2006, finished march 2012When do I have to stop declaring an IVA? Mine started march 2006, finished march 2012 (by: Radish) 11 368
Getting a mortgage from a reputable company ?Getting a mortgage from a reputable company ? (by: luluj) 3 126
Should PPI offer from mortgage provider be deducted from what I owe ?Should PPI offer from mortgage provider be deducted from what I owe ? (by: Michael Peoples) 3 127
My IVA is being kept open to claim back PPI. Do I have to inform them of wifes refund ?My IVA is being kept open to claim back PPI. Do I have to inform them of wifes refund ? (by: Michael Peoples) 4 188
We will soon be expecting our first child. IVA co has refused to lower payments.  Help !We will soon be expecting our first child. IVA co has refused to lower payments. Help ! (by: Michael Peoples) 4 211
Can the IVA have an effect on me obtaining job as a Nursery Manager ?Can the IVA have an effect on me obtaining job as a Nursery Manager ? (by: Michael Peoples) 2 119
Would you be asked to sell mortgaged property abroad which is not permanent residence ?Would you be asked to sell mortgaged property abroad which is not permanent residence ? (by: Michael Peoples) 2 100
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: geoffr) 81 5726
I have paid off my IVA and now I want a mortage. What can I do ? First buyer scheme ?I have paid off my IVA and now I want a mortage. What can I do ? First buyer scheme ? (by: sponge) 4 175
My husband completed an IVA 3 years ago.  We are unable to get a joint mortgage.My husband completed an IVA 3 years ago. We are unable to get a joint mortgage. (by: sponge) 5 255
GT Phone call yesterdayGT Phone call yesterday (by: djsmartie77) 3 306
Court are seeking documentary evidence that I have attempted to take out a mortgageCourt are seeking documentary evidence that I have attempted to take out a mortgage (by: Gareth) 2 228
We had an IVA 2 years ago. Will it stop us from getting a bigger mortgage ?We had an IVA 2 years ago. Will it stop us from getting a bigger mortgage ? (by: Shaun Vickery) 5 159
Ive accidentally transferred money to my daughters old account. Will it be closed ?Ive accidentally transferred money to my daughters old account. Will it be closed ? (by: Lynn.nl) 3 194
Im self employed and really dejected and broken because of lack of completion cert. from DFDIm self employed and really dejected and broken because of lack of completion cert. from DFD (by: jack Halil) 18 468
Im very upset as Ive kept my side of the bargain.  Now stuck until further notice.  Please helpIm very upset as Ive kept my side of the bargain. Now stuck until further notice. Please help (by: ivoriva) 6 297
Hi. If I was in a position to offer a final settlement, what would be an appropriate amount ?Hi. If I was in a position to offer a final settlement, what would be an appropriate amount ? (by: Michael Peoples) 2 153
Do Albion collections vote for IVA?Do Albion collections vote for IVA? (by: Michael Peoples) 2 125
I lived in mothers house to look after her until she died. What happens now? I am bankrupt.I lived in mothers house to look after her until she died. What happens now? I am bankrupt. (by: Michael Peoples) 2 142
being hassled by an iva companybeing hassled by an iva company (by: Struzzo39) 11 383
Good morning all, How long after receiving certificate before details removed from register ?Good morning all, How long after receiving certificate before details removed from register ? (by: menorca) 10 637
Would taking out a vanquish credit card affect my IVA ?Would taking out a vanquish credit card affect my IVA ? (by: skint til payday) 11 464
IVA completed in 2011. How do I go about getting my credit file rectified ?IVA completed in 2011. How do I go about getting my credit file rectified ? (by: Foggy) 2 113
Proposal AcceptedProposal Accepted (by: luluj) 38 2232
First time buyer after 6 yearsFirst time buyer after 6 years (by: luluj) 10 658
Equity and secured loanEquity and secured loan (by: janjan) 3 143
Hello,after clearing your IVA which is the best advice for obtaining a mortgageHello,after clearing your IVA which is the best advice for obtaining a mortgage (by: Kelly.23) 5 159
Hi all, it has been 8 years now since we started our IVA. We would just like closure and peace.Hi all, it has been 8 years now since we started our IVA. We would just like closure and peace. (by: orchid5) 10 352
My IVA was transferred from RS Tenom to Grant Thornton without my consentMy IVA was transferred from RS Tenom to Grant Thornton without my consent (by: Bradders) 18 282
Becoming a Student?!Becoming a Student?! (by: lesley) 5 174
My colleague is considering an IVA but is concerned about his pensionMy colleague is considering an IVA but is concerned about his pension (by: sponge) 5 190
Just starting, so scaredJust starting, so scared (by: York1331) 25 731
Within Touching DistanceWithin Touching Distance (by: PeyWetWork) 18 1229
My husband lost his job 6 weeks ago.  I have now lost my job.My husband lost his job 6 weeks ago. I have now lost my job. (by: Foggy) 18 600
How much should a trustee charge in bankruptcy fees ?How much should a trustee charge in bankruptcy fees ? (by: Michelled2128) 19 951
When claiming child tax credit do I give the figure of the PPI interest or what creditors received ?When claiming child tax credit do I give the figure of the PPI interest or what creditors received ? (by: kst101) 4 129
Is it possible to drop out of an IVA?Is it possible to drop out of an IVA? (by: MelanieGiles) 2 144
Advice pleaseAdvice please (by: MelanieGiles) 3 163
3rd Annual Review3rd Annual Review (by: Special One) 8 226
Another GT question. Numerous promises of contact have proved empty gesturesAnother GT question. Numerous promises of contact have proved empty gestures (by: Paul.55) 8 240
I have disputed my increase.  IVA co. are sending me a form for bankruptcy. What should I do ?I have disputed my increase. IVA co. are sending me a form for bankruptcy. What should I do ? (by: lem) 7 395
If i complete an iva and after 5 years can they make me sell my house ?If i complete an iva and after 5 years can they make me sell my house ? (by: Mark.87) 11 480
NEW LAWNEW LAW (by: size5) 10 477
Variation on the way .. hopefullyVariation on the way .. hopefully (by: orchid5) 13 403
Is a referral bonus treated as a commission payment or a windfall ?Is a referral bonus treated as a commission payment or a windfall ? (by: Louise Bennett) 4 183
Why will RBS not pay up ? They want to offset but financial ombudsman states the money is mine.Why will RBS not pay up ? They want to offset but financial ombudsman states the money is mine. (by: Foggy) 9 318
Who is responsible for arranging a valuation of property for equity release ?Who is responsible for arranging a valuation of property for equity release ? (by: menorca) 5 179
Potential Salary IncreasePotential Salary Increase (by: MelanieGiles) 4 183
Should I try and recoup PPI money whilst still in my IVA or wait until it is finished ?Should I try and recoup PPI money whilst still in my IVA or wait until it is finished ? (by: MelanieGiles) 4 161
New to the forumNew to the forum (by: MelanieGiles) 12 143
Those spotty lettersThose spotty letters (by: Biscuits) 3 188
16 months waiting for completion certificate, I want to get life back on track. Any advice please ?16 months waiting for completion certificate, I want to get life back on track. Any advice please ? (by: dawn20) 26 1547
Nearly there, credit clear up.Nearly there, credit clear up. (by: Foggy) 4 152
If I was to move in with my boyfriend would my IVA affect him in any way ?If I was to move in with my boyfriend would my IVA affect him in any way ? (by: lesley) 2 94
PPI claim after my IVAPPI claim after my IVA (by: Little miss trouble) 21 2308
EIC PPI & GT closureEIC PPI & GT closure (by: marie25) 16 699
Freeman Jones complaintFreeman Jones complaint (by: MerlinL14) 77 4270
Charging order after creditors meetingCharging order after creditors meeting (by: Grant Thornton) 15 809
Certificate of completion...Wow !Certificate of completion...Wow ! (by: Foggy) 20 843
A bit fed up with carsA bit fed up with cars (by: plasticdaft) 18 650
Hello, really hope you can help as Im worried sick. We made an unwise decision.Hello, really hope you can help as Im worried sick. We made an unwise decision. (by: PayPlanSamuel) 7 449
car insurance and DRO and DMPcar insurance and DRO and DMP (by: terry d) 3 87
Secured loan PPI claim backIVASecured loan PPI claim backIVA (by: Special One) 9 404
IP becoming more demanding as end of IVA nearsIP becoming more demanding as end of IVA nears (by: Michael Peoples) 9 380
Grant Thornton Unbeleivable Statement.Grant Thornton Unbeleivable Statement. (by: jeffw) 14 741
I cannot afford payments with Cleardebt. Can I start another IVA rather than file for bankruptcy ?I cannot afford payments with Cleardebt. Can I start another IVA rather than file for bankruptcy ? (by: Michael Peoples) 6 221
F & F SettlementF & F Settlement (by: Foggy) 8 285
Panicking. Out of the blue Freeman Jones have sent a letter of breech. No reply to phone calls..Panicking. Out of the blue Freeman Jones have sent a letter of breech. No reply to phone calls.. (by: back on track) 6 507
just want to say hijust want to say hi (by: luluj) 11 256
If I settled it,  would default be removed from my report ?If I settled it, would default be removed from my report ? (by: luluj) 4 159
Been told I will not have to release equity as I have just under 4 years left on my mortgage ?Been told I will not have to release equity as I have just under 4 years left on my mortgage ? (by: luluj) 3 182
Hi. I am in an IVA with my now ex partner. I am tired of struggling. Is there anything I can do ?Hi. I am in an IVA with my now ex partner. I am tired of struggling. Is there anything I can do ? (by: MelanieGiles) 2 124
Car insurance renewalCar insurance renewal (by: plasticdaft) 8 272
Hello I just wondered what would be an acceptable full and final offer.Hello I just wondered what would be an acceptable full and final offer. (by: Kelly.pd) 10 242
Our IVAs will only affect our joint account. Can we still use a single account in wifes name ?Our IVAs will only affect our joint account. Can we still use a single account in wifes name ? (by: MelanieGiles) 3 129
Hi, any info on getting a mortgage post IVA greatly appreciated.Hi, any info on getting a mortgage post IVA greatly appreciated. (by: luluj) 8 256
I am having my creditors meeting on June 14th and current mortgage deal ends on 29th June.I am having my creditors meeting on June 14th and current mortgage deal ends on 29th June. (by: dazza) 5 173
Joint IVA IncomeJoint IVA Income (by: mole) 17 1302
Credit References post IVACredit References post IVA (by: TheMatrix) 6 250
New mobile phone contract whilst in IVA?New mobile phone contract whilst in IVA? (by: baldy) 15 487
PPI IssuePPI Issue (by: saltyseaplumbs) 7 263
Halfway PointHalfway Point (by: footiemad) 15 612
Wondered if we could claim something back from PPI on loans that are not in the IVAWondered if we could claim something back from PPI on loans that are not in the IVA (by: Fiatfan) 4 289
Really had enough of DFD 15 months and waitingReally had enough of DFD 15 months and waiting (by: chris1982) 7 221
Im about to go into an IVA with Gregory Pennington. Any feedback on company appreciated.Im about to go into an IVA with Gregory Pennington. Any feedback on company appreciated. (by: boops) 20 357
Hi there, another tale of a completion dragging on. Getting short shrift from DFD and EIF.Hi there, another tale of a completion dragging on. Getting short shrift from DFD and EIF. (by: Evette Everest) 9 386
EIF & DFD  completionEIF & DFD completion (by: Evette Everest) 8 340
How long does a variation report take to draft?!How long does a variation report take to draft?! (by: taxidancer) 10 265
FAO Sarah Jolly. Hi Sarah, Michael Peoples has recommended I contact youFAO Sarah Jolly. Hi Sarah, Michael Peoples has recommended I contact you (by: Steven Hewitt) 4 217
IVA finished but they have been ringing constantly asking to change T&C so they can reclaim PPI.IVA finished but they have been ringing constantly asking to change T&C so they can reclaim PPI. (by: Sharon.wd) 4 269
First Year reviewFirst Year review (by: MelanieGiles) 16 703
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: MelanieGiles) 26 1034

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.
Chat Button

Social Media

facebook    twitter


Clear my debt

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

Name
Email
Tel
Total Debt




Chat Now

Live Chat


IVA.co.uk Newsletter

Get the latest IVA.co.uk News


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.