IVA Forum - Latest 100 topics Go to IVA forum

FYI - if you used to have an IVA with Creditfix they are now doing an introduce a friend scheme and ...
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Hello, As you may remember I completed my IVA in May with a full and final settlement. Unfortunate...
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Hi me and my husband have just recently completed our iva via a full and final offer my husband is s...
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Can we go for a second hand car on finance, obviously not expensive. Thank you.
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Having made a full and final payment around 3 months ago now, although I'm still awaiting receipt of...
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Can I take a job that pays less whilst on Iva Thank you.
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Hi, I have now completed my IVA and I'm trying to check my credit file is all correct as we're hopin...
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Good afternoon all I'm in an IVA and as agreed at the start would run for 6yrs. I'm in the ...
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My partner is moving jobs onto a lower salary. We have been together for a year, her debts are appro...
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I completed my Iva a few years ago and I looking to switch my NatWest account to a Barclays one. Bar...
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hi we have just come out of an iva on 26th april 2017. we are currently still on the insolvency regi...
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Im up to my eye balls in debt and struggling to find a way out i try and catch up with payments and ...
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Good evening. Does anyone have any experience on dealing with Aperture on closures. My wife and I bo...
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Hi people sorry it's me again worrying again I just wish it was Wednesday the 5th of July now when I...
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Hello, I was accepted on my IVA 1 month ago however I am still receiving texts/letters saying my dir...
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I'm in4 th year of IVA and due inheritance from my Mum. Can i refuse the inheritance and let my ...
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Please could you tell me how many years you pay an iva of approx. £17,000, with 1 bank which include...
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I'm currently in the process meeting of hopefully having a IVA accepted just wondered before I s...
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Hi looking to get a morgage following my Iva which ended after 6 years June 9th this year can anyone...
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My daughter has won a medical negligence case and was made bankrupt during this time. She is unable ...
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I have just paid my final payment in June of my iva, it was extended to cover 6 years I have toda...
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I'm 12 months from finishing my iva and have been made redundant after 25 years. My redundancy m...
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We are in an Iva, at the moment we have a car that we can sell which will cover the offer of a full ...
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I have a break from my iva due to loosing my job. I'm finding it hard to find work and my house ...
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hi all paying my 6th last payment end of july[6th year].how or what happens now do i just pay all pa...
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Hi I am about to put a F&F offer in for my IVA as my parents have offered to help me out. To cut...
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My IVA is due to end its 5 year period in September, during the period of April 2015 to April 2016 I...
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I need help we r currently in a dmp but have been unable to pay for last 3 month , my husband lost h...
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Once an interim order has been granted for the mandatory 14 days is it possible to extend the Interi...
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we completed our 6 year IVA early, approximately 2 years ago. The 6 year term is now complete but w...
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Hi all Paid my last payment this month and what a relief it is finished and I paid backed more than ...
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Hello everyone A bit of advice please,thought my Iva was finished this July,today i received my Cert...
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Hi, I'm in the process of getting advice from step change about my debts, me and my wife owe £47.k a...
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On the first page of this site, the following is stated:- What are the disadvantages of an IVA? Le...
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I have been in a IVA since 2013...before that I was paying my debts in DM..with Step Change...all in...
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My Iva is due to come off my credit file this month as it has been almost 6 years. Has anyone manag...
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Hi all... well I checked the register this morning as it's 3 month to the day of completion of the i...
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Hi I was in an IVA I was just wondering what can be done if a creditor adds fees and charges? The I...
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Hi Have a car on a fixed sum loan with Barclays partner finance.i have done 2 Hpi checks on the ca...
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Hi . Sorry for the lengthy message but trying to get clarification and seem to be getting nowhere ....
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Hi, In a iva is DLA taken as income? Thanks
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Hi, I have a mortgage with Halifax in my name only, I have a good credit history and its always been...
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Hey all I started my IVA early march 2014 and offered a FF on May 18 2017 and my CC was posted on J...
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Hi my iva has just been accepted first payment in 4 days. Obviously all my creditors will be default...
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HI, When an IVA company fails to hold itself to account via its internal complaints process (ie does...
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My Iva has been completed for more than 3 years and off my credit files for experian and equifax. I ...
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Hello my IVA finished last year and as the company could not release equity there was an extension o...
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Hi everyone, I completed my IVA in March 2016 using F&F offer (IVA started Sep 2013). I have ju...
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I've been in my iva since 2012 missed a few payments but have had the monthly payments upped to...
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IVA dealt with by 3 companies due to them selling on - it finished 6 years ago 2011 (knew remortgag...
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Finally payment - my final payment is this month! I cannot wait! I will b sending my ip 3 x payslips...
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I want to apply for a part time open university course, for which I would also need to apply for a s...
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and it feels good! I won't see any benefit until next moth, but that's ok, it's one payment I can sc...
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I currently live in Australia and came in August 2014. I currently have debt that is drowning me i...
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My ex has just given me a RX1 form to sign. We are no longer together but he is still named on the m...
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Hi. First time poster having read the forum over the last few years. Always found the advice to be h...
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Received all the paperwork and our meeting is on the 6th July 10:00am original dividend 0.14p in the...
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Evening Im in the process of setting up an IVA with payplan, they havve done a statement of earnings...
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Hi All First review due next month and I have to submit my expenditure review in the next few days. ...
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Hi. My iva was due to finish in April. I sent all our payslips and p46 etc. I hadn't heard anyt...
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Hey guys. I entered an IVA roughly around 6 months ago on a 6 year term. The amount entered was arou...
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My ex Husband has an IVA attached to my home that I reside in with our 2 children 10 & 16 . For...
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Hi there my final payment will be made on friday after a very long seemingly never ending 72 months....
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Does rci finance take back hp car if you go bankrupt?
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Hi, I know what I will post about what we have done won't be to everyones taste but it has certainl...
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Im in the process of setting up an IVA, Im getting a call back on friday from the advisor but from w...
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Hi has anyone recently completed thier iva and been took off the insolvency register sooner than the...
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I had an iva agreed, however I felt I didn't want to persue the Iva because my earnings had impr...
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If you get a refund of bank charges would these be payable to IVA in the same way as PPI?
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Hi, I am in the process of picking the right company to handle my IVA for me, I have never missed a ...
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Hi all. Partner and i both in an iva. Just approaching end of year 6 (nram together morgage) . My pa...
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Good morning all, I have finally made my final payment to DFD on 1st June 2017, I've had the go ahe...
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I started an IVA last year I have a studio24 account which wasn't included, I have used the cred...
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I'm currently 9 months into a 72 month IVA arrangement paying £100 per month (£2567 in IVA fees ...
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Well, sort of. IP has approved a double payment this month so we can pay our IVA off early. Direct ...
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Hi, Am a taxi driver, got the car finance for work. So am I allowed to keep the car? Thanks
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Hi all. I have a newish job, I have baseline security however I am waiting for my SC to come throug...
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I have a commercial lease until 2020 which has no break clause. I am in arrears with rent and also b...
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hi can i apply for IVA if i've got allready started case in citizen advice? and second question ...
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I owe £20000 to various credit card companies and a personal loan through having 2 really bad accide...
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Hi, I have about £45k debt and am think of an Iva because the interest is killing me, I probably pay...
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I have equity in my home around £40,000 I owe around 10,000 of iva left to pay ( and just going i...
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Hi All Firstly this is a great site, I wish I had found it sooner. Secondly, I know there are othe...
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Hello, I was made bankrupt in April by a company. At my interview with the official receiver I only...
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I have completed my 3rd year of my IVA in May. It was originally with DSC, but unceremoniously sold ...
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Hi, I am 30 months into my IVA and I am thinking about surrendering my endowment policy to pay it of...
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ok so i have asked my isp to submit a full and final offer to my creditors and they say i have to ha...
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Hi iva was accepted on Thursday and I gotta be honest I've never felt better. It's finally broke a h...
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My last payment to my iva is this month. I could really do with a credit card now. If I apply now wi...
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Can I have a deed of trust from someone if they are giving me their house when they die even though ...
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Hello, I recently got offered an IVA so started looking into it but every forum seems to have peopl...
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We made our last payment June 2016, took to march this year to receive c.c and yesterday we came off...
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Barclay's bank want 895.78 in 14 days but I was approved an lva yesterday.....but I was looking ...
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I recently completed my Iva June 2016, early this year I let a claims company check if I had any ppi...
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Just started my final year the end is in sight
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Hi. Got the appointment booked to join my husband account with TSB. Are they gona do credit check on...
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Hi, I am looking at an IVA I have over 30k of debt with 6 creditors and do not earn as much money as...
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Hurray, just had call from IP, had to wait 21 days as 2 creditors, never made a claim, and they stil...
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Morning all, My iVA ends next week after 6 years. I've learned much along the way. Once the fina...
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Hi we have 18 months left to go in our Iva and need to move to a bigger house due to overcrowding. ...
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