Just started my IVA and looking for people to speak to in a similar situation

Get expert opinion. This is the place for new questions to be posted.
10 posts Page 1 of 1

nicola227

User avatar
Posts: 4
Joined: Wed Nov 27, 2019 2:08 pm

Post by nicola227 » Wed Nov 27, 2019 2:08 pm
Hi Everyone,

New here! I am at the beginning of my IVA but just wanted to join here to find more information out and hear some success stories to help my situation feel a bit better!

Foggy

User avatar
Forum Expert
Posts: 29873
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Wed Nov 27, 2019 2:28 pm
Hello and welcome! Best thing to do is to have a read around the various topics where you will get a feel of the 'common' problems as well as see a few success stories. And feel free to ask about any specific things that come to mind.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

kallis3

User avatar
Forum Expert
Posts: 75205
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Wed Nov 27, 2019 2:40 pm
Welcome from me as well - most of us have been there and come out the other side so feel free to post anything you want to know.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

nicola227

User avatar
Posts: 4
Joined: Wed Nov 27, 2019 2:08 pm

Post by nicola227 » Wed Nov 27, 2019 2:46 pm
Wed Nov 27, 2019 2:28 pmFoggy wrote:
Hello and welcome! Best thing to do is to have a read around the various topics where you will get a feel of the 'common' problems as well as see a few success stories. And feel free to ask about any specific things that come to mind.
Thank you!

I am 2 months into my IVA and most of my worry is in finding somewhere to live. I am quite young and still living with family but hoping to rent somewhere very soon or council housing. Has anyone had any luck in having an IVA and been offered council housing?

Thanks

DJ92

Posts: 1
Joined: Wed Nov 27, 2019 4:06 pm

Post by DJ92 » Wed Nov 27, 2019 4:11 pm
Hello, I've just officially joined the forum after months of browsing. I've just completed my second annual review of my IVA with Creditfix. I found taking the initial commitment to be the scariest aspect of my journey so far. I'd never heard of an IVA before I started to address my debt problem. You'll find it becomes a way of life pretty quickly and the scary feelings will settle down when it becomes normal to you. Good luck on your journey.

nicola227

User avatar
Posts: 4
Joined: Wed Nov 27, 2019 2:08 pm

Post by nicola227 » Wed Nov 27, 2019 4:13 pm
Hi I am also with credit fix. It just feels like such a long way off but I am glad to have the stress off my shoulders now.

Foggy

User avatar
Forum Expert
Posts: 29873
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Wed Nov 27, 2019 4:14 pm
An IVA will not affect a council housing application. However, renting can be problematic ( but not impossible). Most letting agents will credit check, which you will fail --- some will still allow you to rent with an increased deposit / rent up front or a guarantor. Private landlords are less stringent.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

nicola227

User avatar
Posts: 4
Joined: Wed Nov 27, 2019 2:08 pm

Post by nicola227 » Wed Nov 27, 2019 4:19 pm
Thanks! I’m just looking at renting in the next 6 months so hopefully I can find somewhere, I also have my partner who has no Iva and good credit so we can possible put it in his name until I am out of the iva.

ashbock123

Posts: 107
Joined: Fri Sep 08, 2017 7:54 pm

Post by ashbock123 » Wed Nov 27, 2019 4:31 pm
I have been in my IVA for 2 years.

Last year had to rent somewhere and family split and didn't pass d credit check.

All different places are different so best to check. All can do is try and rent and see what they say.

Jessie91

Posts: 164
Joined: Fri Jul 19, 2019 12:47 pm

Post by Jessie91 » Sun Dec 01, 2019 7:33 pm
Hi I’ve been in my Iva for around 4 months if any questions I’m happy to answer maybe have the same questions as one another. It’s good to have this forum as there so helpful on here. I’m also with Creditfix too.
10 posts Page 1 of 1
Return to “Ask IVA Forum and Industry experts”