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IVA Forum Topics

Hi all, So my gf has a substantial debt of £70k plus and has gone through step change for an Iva....
by Topmat on 24/05/19

Removal of Restriction from property...not done by Debt free Direct. hi there i completed early on...
by stueyc on 24/05/19

Hi, my husband and I were advised by step change today to enter into an iva. We jointly currently...
by nicola715 on 24/05/19

Hi can anyone help, my Ex has recently gotten into a lot of debt since we broke up (of which I had...
by Confusedgirl on 24/05/19

i am in an iva my uncle wants to buy my council house for me, no mortgage is needed is this...
by deborah940 on 24/05/19

I cannot thank the people on this forum enough. I put forward my full and final offer in April , 2nd...
by rae25 on 24/05/19

Hi my hubby was told yesterday that he cannot get a remortgage but he still owes £10,000 do you...
by norman on 24/05/19

My wife currently pays rent and council tax, and I pay all other bills along with around 23k of...
by mike933 on 24/05/19

Please please please can someone help me? You were all wonderful friends when we were going through...
by kirsty on 23/05/19

My IVA concluded 6 years ago but I have started to be hounded with letters and phone calls from a...
by karen.w on 23/05/19

My husband has debts of just over £18.5k with 6 creditors amassed before we became involved. He...
by Tracer on 23/05/19

Hi Some advice please..... I have been told that I need to close my current bank account (who I...
by chris548 on 23/05/19

My f&f offer has been accepted, woohoo! Judy waiting to see if I will get the redundancy now. I just...
by Nickibu82 on 23/05/19

Hi, I entered into an IVA last year during a period of self-employment. I am now employed again and...
by christine521 on 23/05/19

Spoken to aperture today, I asked about review, advised me that they will notify me threw the online...
by Mxlee8 on 22/05/19

Please help... I can't decide whether to iva or not.... Iv been plodding on this past few months...
by rachel475 on 22/05/19

My last payment was taken in November 2018 for my Iva with Freeman Jones. It was due for completion...
by joanne623 on 22/05/19

Hello there, I was in an IVA around 2008 and completed the process through to completion....
by stephen498 on 22/05/19

I am on a State Pension and had completley forgotten that I will receive the annual payment at...
by jean821 on 22/05/19

My car insurance is due next month and i pay monthly, I’m worried I won’t get insurance as I...
by zoe182 on 22/05/19

I am looking to get a help to buy mortgage, and in the process of saving for the deposit. I...
by daniel591 on 22/05/19

I am about to enter into an IVA - well the initial conversations to set budgets etc - this is...
by bob735 on 21/05/19

Hi advice please my IVA is completed got a certificate but had a letter from Aperture with forms to...
by norman on 21/05/19

Good morning sir After completed an IVA to clear my debts. Is this Completed IVA will effect my...
by muhammad582 on 21/05/19

Hi all I'm new to all this and am scared. I was unemployed for a few months after leaving a high...
by Frannyann on 20/05/19

Hi, my partner is on an iva. She is my guarentor for an amigo loan iv had for sone time. Iv recently...
by tom478 on 20/05/19

Hi all My IVA was finalised last May. I opened a current account with Metro Bank before hand but not...
by roger886 on 20/05/19

Please can you tell me if Credit Fix are a reputable IVA company? Is it advisable to shop around to...
by chris548 on 19/05/19

Hi, I have been in an iva since last September. I have no idea how much of my payment is being paid...
by davethevan on 19/05/19

I have just started an IVA, previous to this i was in a debt management plan. The real question is...
by stewart on 19/05/19

Sorry if this is being posted on the wrong section. So my IVA was F&F September 2018 having been...
by Nikl on 18/05/19

I received my letter from Aperture / FDM a couple of days ago and returned it, completed as...
by Foggy on 18/05/19

I completed my IVA just got my certificate and my credit score is 999 out of 999 ,not that I want to...
by norman on 18/05/19

I’m just wondering how much we should offer to settle our IVA. I was told today by credit fix that...
by charlotte708 on 17/05/19

Hi, me and my partner commenced iva's back in 2008. We received a completion certificate in 2016. We...
by karen869 on 17/05/19

Hi I am currently in my 5th month of an IVA and things are going ok, I usually get paid by cheque...
by tasha_shero33 on 17/05/19

IVA completed Nov 2017, completion certificate arrived Sept 2018. Ppi dealt with during iva and...
by Look2THElight on 17/05/19

Hi I have my first annual review of my IVA, and am worried about betting being on my bank...
by jason335 on 17/05/19

I have been out of the IVA Since 19th Feb 2015 and whilst in the IVA they claimed back PPI from...
by Frankie on 16/05/19

I am unhappy with my iva firm,they have messed up my payments 3 months on the run,I would like to...
by paul172 on 16/05/19

I stupidly lent money to a very good friend who then didn't pay it back. I took out a court order...
by kate243 on 16/05/19

Complicated so bare with me ,my son and I have a joint mortgage although he is now married and moved...
by norman on 16/05/19

Hi I got my cc last week, how long does it take to show on your credit file that the Iva is no...
by Sally1966 on 15/05/19

I have just had a question answered by Foggy about Aperture asking for another valuation and...
by norman on 15/05/19

Hi , I’m new here and just looking for some advice / reassurance. Myself and partner are in a...
by Kelly_84 on 14/05/19

Hi we are at the end of our Iva apart from trying to release equity ,Aperture asked for a valuation...
by norman on 14/05/19

I have received a letter from Santander saying I am entitled to £1420.31 for PPI however they are...
by christopher365 on 14/05/19

Hi, Barclays Bank are refusing to accept my power of attorney on my mothers account due to having a...
by edward on 14/05/19

Hi Ian Can you please help if possible - our IVA started in 2010 and closed final in 2015 we had...
by Carole H on 14/05/19

My partner has a IVA. we live separately at the moment. I myself have no debt but if he were to move...
by jeanette654 on 14/05/19

Hi , finally received my certificate to say my IVA had been fully implemented last weekend . Been a...
by Paul1708 on 14/05/19

I need to try and remortgage to get equity for IVA I did two online applications but both were...
by norman on 13/05/19

I entered into an IVA earlier on this year, my car is 15 years old and starting to have problems and...
by mollie963 on 13/05/19

I have debts of 16000 on a family members credit cards not in my name can they still be included...
by nicola914 on 13/05/19

I have passed the 5 year mark of my IVA and had no contact or formal notice from the company looking...
by donna328 on 13/05/19

How long can a property be held in trust for IVA creditors after the termination of the IVA
by debbie625 on 13/05/19

Hi, I'm currently in a IVA it started in November 2014 with Payplan, my debt was for £13,128 to...
by andrew769 on 13/05/19

Hi All - looking into a full and final settlement currently 2 1/2 years into a 5 year repayment with...
by owen134 on 13/05/19

Hi I received a call, and shortly a letter about Financial compensation from Aperture, my ip thinks...
by nuttymarbles on 13/05/19

Hi. I have a f&f offer going to my creditors on Friday. If accepted, what happens next? Will my...
by Nickibu82 on 13/05/19

My Iva has been successfully completed but Creditfix say if I get any PPI payouts it has to still go...
by ian725 on 13/05/19

I bit the bullet today and told my (wealthy) sister about our IVA, we took our last July for a 6.5k...
by Rlh1994 on 12/05/19

I am looking for public liability insurance and employers liability insurance I have seen someone...
by ducati0872 on 11/05/19

we are currently in an iva roughly 4 years .me and my husband seperated last december .im struggling...
by joanne935 on 11/05/19

My completion certificate has arrived. I started in June 2013. It hasn’t been easy by any means...
by Sally1966 on 11/05/19

My current phone is payg and I'm looking at getting a better phone on contract. My budget allows...
by rhythmb on 11/05/19

When requesting a SAR - Subject Access request from the Banks/ Credit card companies, whom you wish...
by flamingate on 10/05/19

Hi there, I wonder if someone could help me? I've recently had my last IVA payment go out on 1st...
by Emjc81 on 10/05/19

My IVA payments stopped 8 months ago after 6 years now they want us to try and get equity from the...
by jenny873 on 10/05/19

my iva started in March 2010 failed in 2012 held with rsm tenon who no longer exists, how do I get...
by charlielane on 10/05/19

Hi I have tried to search the site and find some information but it wasn't easy to navigate and...
by Steinhart on 10/05/19

My partner started his IVA only in Nov last year paying £200 per month. Since then he had a cancer...
by Marmite on 10/05/19

Iva completed Oct 2018 & have certificate, just recently my husband has heard from family member his...
by tracey744 on 10/05/19

What is usually the correct way to send a monthly token payment of £1 to a debt company who have...
by flamingate on 10/05/19

Dear All, Having not heard anything with regards to trying to release some equity and making my...
by ian119 on 09/05/19

Am I allowed to borrow money off someone to pay for court fees to go to court, (for a divorce...
by traye on 09/05/19

I had a savings scheme which I forgot to disclose but I did when I remembered. Amount of scheme was...
by Chapmani on 09/05/19

I have a friend who has been receiving Debt Management advice from "CAP" a Christian organisation. ...
by will on 09/05/19

Hello, Just looking for a bit of advice.... I completed my IVA November 2015 and have a couple of...
by dth8030 on 09/05/19

Hi. I just want some clarification on this F&F offer please? I am into the 4th year of my IVA,...
by jamie178 on 09/05/19

I completed my IVA 3 years ago, recently Aperture have been requesting that I authorise them to seek...
by Mistake not on 09/05/19

Lloyds have frozen my funds before the date of my IVA approval. What can i do? I had put money away...
by tamsin on 09/05/19

Hello, today my life changes. I spoke to kieth a few months ago, to discuss an iva. I said I would...
by Petesmadboots on 09/05/19

Can anyone help. We took out our iva in march13 with debt free direct iva supervisor was richard...
by Jofoste on 08/05/19

My 6 year Anniversary is approaching and I am SO so excited! I received a notification from...
by bethany on 08/05/19

found it difficult to keep track of posts and navigate round the forum (for me anyway). I have just...
by MerlinL14 on 08/05/19

I am finding it impossible to contact Aperture either by phone or e-mail and I have been trying...
by barney605 on 08/05/19

I have been in an Iva for almost a year I recently had some bad news I started to gamble almost 850...
by Lk2018 on 07/05/19

I’ve got a letter from Wilson Tarquin saying I might be able to get money back off my ppi but I...
by Jeanette.25 on 07/05/19

Hi, I have just been rejected an IVA due to being a managing director of my company with employees...
by tara786 on 07/05/19

I am in an iva but have recently got another dent which occurred after the Iva was set up. Can I add...
by lesley411 on 07/05/19

hi i have an iva in situ but im unsure about a debt i don't know if i missed it i thought it was...
by sonia145 on 07/05/19

Hi, I satisfied an IVA in March 2017, it has long since disappeared off my credit files and I have...
by james380 on 07/05/19

Hi, I paid off my IVA with a full and final a few months back and have my compeltion certificate and...
by Ds1991 on 07/05/19

Hello all! I am back briefly to say that I have received my Completion certificate etc and am still...
by katieweeks1 on 07/05/19

I have an iva completion certificate dating back to 2009, it was issued by synergie partners....
by alun on 07/05/19

about two years before I took out an iva I claimed some money on a ppi, will this be taken into...
by dorothy245 on 06/05/19

Hi guys I've been in a iva for 2 years now but now I've been asked for a annual review. Small issue...
by ryan787 on 06/05/19

Hi, Hopping you can help as im due to call Aperture tomorrow regarding equity release Original IVA...
by Chief77 on 06/05/19

Hi all Aperture are sending out letters after Iva competition,with a questionaire for me to fill...
by nigel613 on 06/05/19