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IVA Forum Topics

Wondering if you can get a home loan with a bad credit score?
by terri on 24/10/21

Hi there, I have 4000 remaining to pay in my iva. I’m an 3 years into it. My dad has offered to...
by sarah236 on 24/10/21

If my mother gives me cash do I have to declare it
by mick245 on 24/10/21

I have finally told my mum and dad about the IVA 3 years in. They have told me they want to get it...
by Bubbly on 24/10/21

What is the typical repayment on a £6400 debt if paid off 10 months early. paying £102.00 per...
by hugh955 on 24/10/21

Hi i started my IVA in June 2020 a number of years ago i opted out of my pension and took out a...
by beverley824 on 24/10/21

Hi Everyone I hope you might be able to put my mind at ease. I’m approaching the first...
by elizabeth379 on 24/10/21

Hi My full & Final was accepted 1st October and paid on the 4th. While I wait for my certificate,...
by wendy297 on 24/10/21

Hello, I'm currently in am iva and have about 3 years left but only £3350 to pay. I have recently...
by meg1985 on 19/10/21

Hi, So I’ve received the request for my review and for my bank statements it’s asked to be...
by Anxiousallthetime on 18/10/21

My partner has a pay rise due but unsure if we declare it now or later ...please advise
by Ivorj on 18/10/21

Our Iva started December 2017. We took a payment break due to maternity leave so our last payment is...
by Anxiousallthetime on 17/10/21

Hi there, I have started IVA 3 years ago and I have 2 more years to go. When my IVA finishes we are...
by sarah341 on 16/10/21

Hi is it possible to make my full and final settlement payment from myself rather than a giftor?
by heidi667 on 16/10/21

Is it possible to appeal an annual review? I’m earning a bit less than in the previous years...
by markaw74 on 16/10/21

Direct debits can i set up a new one while on a iva
by michelle903 on 16/10/21

We have just sold house my ex has IVA has given solicitor name does at the end when mortgage fees...
by maria858 on 16/10/21

My first review is coming up on December 15th with McCambridge Duffy. does anyone know what I will...
by bella102 on 16/10/21

My wife is buying a property which I will live in. Nothing is changing for me in terms of how much I...
by carl153 on 16/10/21

Hi I'm being made redundant very soon I have an IVA in place but my worry is I am not well enough...
by Tracyb on 16/10/21

Hi. My IVA got accepted today. I currently live at home with my mum and my daughter. Recently...
by shakila on 16/10/21

My IVA was satisfied in May 2007. I am trying to sell my house but there is still a restriction on...
by tim948 on 16/10/21

Hi there, if I family member wanted to take out a loan in their name to offer and full and final...
by lauren711 on 16/10/21

My husband had a large debt (3 figures) following a decision he made in 2006 to support a relative...
by NescafeGold13 on 14/10/21

Morning I have an interlocking IVA with my husband and our last payment of £650 is due at the end...
by sosilly on 12/10/21

Hello all, just looking for some advice or for some one with some experience in this to shed some...
by jman369 on 12/10/21

Hi, I need some help with my IVA thats complete. I started an IVA in March 2018 and made a full and...
by GullyP123 on 11/10/21

Hi....my husband and I are doing our 4th annual review with Payplan. My husband is self employed...
by Coline81 on 11/10/21

What would be a reasonable full and final offer for completing my IVA?? I currently pay £435 a...
by rachael606 on 11/10/21

I have been offered a new job which states I could be dismissed if I go into an agreement with...
by sasha582 on 11/10/21

I’m getting divorced and have had to leave our home. The divorce settlement will be to help get a...
by brian792 on 11/10/21

We agreed to an IVA out of desperation. We are on benefits and my wife is my full time carer. We...
by steve884 on 11/10/21

Hi I need to move out and my family offered to pay the deposit for a new place and this will be a...
by veronica302 on 11/10/21

Hello all, I'm a bit worried as one of my creditors is reporting a missed payment on my credit...
by jman369 on 09/10/21

I received a letter from HMRC at the end of July saying they would be seeking to recover £1200...
by grybertie@msn.com on 06/10/21

I have offered to pay a friends IVA off but I’m a bit put out by the letter I received from...
by ann728 on 06/10/21

We recently had a full and final offer accepted but unfortunately at the last minute this fell...
by cjk616 on 06/10/21

Hi is it possible to buy a house with an IVA in year 5? We have had our final review and just in the...
by heidi667 on 06/10/21

Was with an IVA company, they closed down and I got passed over to 4 other different companies, in...
by clint on 06/10/21

Hi I'm in the middle of my IVA and been given notice to leave my flat , if I may need a deposit of...
by veronica302 on 06/10/21

The sale of my house completed on 29/9/21 and the balance from the sale, 65k, was received by them...
by susan489 on 06/10/21

I am just considering a IVA as I have £11,000 debt I understand that I will most likely pay about...
by carol458 on 06/10/21

Can I join a credit union after an IVA? I closed previous account prior to starting the IVA. I...
by carole525 on 06/10/21

I’ve been paying into an IVA since 17th December 2020 and it’s still not showing on the...
by robert295 on 06/10/21

Hi! I've been talking to a debt advisor and the best solution for me would be IVA. I'm concerned...
by n on 06/10/21

I started in an IVA a year ago, it is up for review soon. Financially I now receive an extra...
by sarah620 on 06/10/21

Am thinking of going on an iva but am in the middle of becoming a driving instructor would being on...
by julie324 on 06/10/21

I have just been offered a role at an insurance firm. When doing the pre screening Interview they...
by LB22 on 06/10/21

I received my army pension lump sum today of £7,000, I currently have an IVA, will they take this...
by sam894 on 06/10/21

Hi all, Successfully completed my IVA around 2007 so over 15years or so. but have since lost my...
by andydragon on 05/10/21

Hi I am new to this forum and I have been sat here reading different posts for about 3 hours. I have...
by Ginger42 on 02/10/21

Last night I realised that I will be making payment no 45/60 today. Sure enough it now shows on my...
by Mrs_Brown on 01/10/21

Hi All, So I have my meeting on 20th of this month. I'm worried about them no accepting as I have...
by A_MPK88 on 30/09/21

I am almost at the end of year 5 of a 6 year IVA - I know it's too soon to worry about the...
by mel865 on 30/09/21

Please can someone advise me. I am in a iva 5 year plan and am now 6 months into the 6th year, which...
by jackie611 on 29/09/21

Hi I had a debt of £10,000 from having a gambling problem I started a IVA with creditfix to repay...
by Tonic on 29/09/21

If I take out an IVA, how would it affect my partner as we have a joint mortgage on our home? My...
by james364 on 27/09/21

Hi all again ..Checked my credit report and noticed some credit has dropped off have looked and...
by suzan on 27/09/21

I'm nearly at the end of my third year into my IVA. I was given notice by my landlady last week...
by veronica302 on 27/09/21

I have been asking my IVA company months now for permission to gain finance for a second hand car,...
by mark322 on 27/09/21

Hi, I am in an iva agreement. I fraudulently signed the Land Registry RX1 document on behalf my...
by matt736 on 27/09/21

Hi I currently have a savings account for my daughter with barclays My account is also with...
by shakila on 27/09/21

Hello there. My iva company has extended my iva from ending 2024 to 2028. They say I have additional...
by ste8765 on 27/09/21

Hi, i am trying to get hold of my discharge certificate. i am applying for a new mortgage and they...
by john992 on 27/09/21

Hi I have been in a iva for about 4 years the start of this year I received a letter stating we...
by dan844 on 27/09/21

Hello, I'm in the process of having my IVA drafted by mccambridge duffy. I am receiving PIP and ESA...
by rmk2009 on 27/09/21

Not a questions as such. My partner and myself have just finished and gained our completion...
by Jeffers 53 on 27/09/21

Hi, I have an IVA , I pay regular payments and declare any overtime or bounds payments. However I...
by adrian444 on 27/09/21

My IVA has just been approved but it doesn’t cover my main debt concerns plus £3650 in fees is...
by john864 on 27/09/21

Hi I completed my IVA 14.6.21, just received my COC Friday 17th Sept, emailed IVA register to let...
by paula256 on 27/09/21

Can I open a small business while I’m on IVA? It’s one year exactly left to finish my IVA....
by marco on 27/09/21

As you know, people who start an IVA or other insolvency solution in England and Wales are listed on...
by Financial Wellness on 27/09/21

Hi I wish I'd found this forum months ago when I started trying to enter an IVA. My post has two...
by Jonowi on 25/09/21

Hi, I would like some advice if possible. I have just received my letter from Creditfix to get the...
by MarcC on 24/09/21

Hi all hope you are all well .Well iva running smoothly almost 2 years in and managing cautiosly but...
by Colin351973 on 23/09/21

I'm with IVA. Just been made redundant and someone asked me to borrow the money. Am I allowed to do...
by Linka17 on 23/09/21

Finally received completion certificate and report. 5 years and small secured loan later I am back...
by Cupcake08 on 23/09/21

Sorry for another question. But does an IP contact my creditors before I’ve signed anything. ...
by rptech on 22/09/21

Hi I've got £1975 sitting in my frozen account nothing owing to the bank. This was due back from a...
by Deedee360 on 22/09/21

Hello, I'm in the process of getting an IVA from MD. I suffer from severe anxiety, depression and...
by rptech on 22/09/21

Hello, I'm currently in the process of having my iva drafted. I'd like to know if pockit prepaid...
by rmk2009 on 22/09/21

Firstly I’d like to say thank you, over the last couple of years this forum has helped a great...
by kyle197 on 22/09/21

Hi My creditors meeting is scheduled for the 30th September however I still have Jacobs enforcement...
by MrsPx on 21/09/21

Just another question about the IVA. As said yesterday I am awaiting documents to send to...
by A_MPK88 on 21/09/21

HI all, my wife has an IVA from debt she accumulated before we were together and she is now in the...
by nekrom4n on 21/09/21

Hi all, so I've been on and off this forum for the past year and after the realisation I was just...
by A_MPK88 on 20/09/21

What information does the IP ask for in a yearly review? I'm due 9k windfall soon. I'm pretty sure...
by surfingruthie53 on 19/09/21

I am currently going through an iva but I always use kalarna Will an iva stop me using this service
by helen839 on 19/09/21

Hi, I’ve entered into an Iva with Logan-Whyte, they really don’t give you much detail and...
by jrb.95 on 19/09/21

Hello all I have completed my iva over 3 years ago and one of the creditors was virgin cc. Done an...
by sam666 on 19/09/21

could I take out a business loan to buy a Village Pub and restaurant business? I need £200,000.00...
by nacine on 19/09/21

Hi all, I am after some advise on my current situation. This week I have been offered/given a...
by LJColeman on 18/09/21

Good evening hope someone can enlighten me as i am a little lost, i got approved for my IVA back in...
by pauls on 18/09/21

Is there public records that an IP can check to see if I'm a beneficiary to an inheritance?
by surfingruthie53 on 17/09/21

Hi all, I have 9 months remaining on my IVA and I have had a big reduction in my income due to...
by Salba on 16/09/21

Morning :roll: My question is ,I have savings in a credit union of about £2100. Am I right in...
by surfingruthie53 on 16/09/21

Hi, I'm getting pretty frustrated trying to find information that makes sense and matches up...
by Jul on 15/09/21

Long time reader, first time poster - hello all! I guess I'm after a bit of reassurance and perhaps...
by JenFace on 15/09/21

Hi, need desperate help. We’re technically 3 years into our joint iva which includes a 9 month...
by Anxiousallthetime on 14/09/21

so after many delays...…….covid19, creditors slow to claim their money, and just general...
by Oakley1 on 14/09/21