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IVA Forum Topics
If i am made redundant, will i have to carry on paying as normal?
I'm in a Iva for 2 months so far I'm going to be made redundant in the next couple of years...
by
joseph
on 20/04/18
On payment break in 6th year with DFD, meanwhile they sold out. What to do?
My IVA should have reached finalisation (6 years this month) but i lost my job and debt free direct ...
by
dawn300
on 20/04/18
Taking money from pension during IVA
If i take some money out of my pension, will the iva i am in take some of the money.
by
christina649
on 20/04/18
Post IVA- want a mortgage
Hi all
I am now nearly 6 years post IVA - yay!!
My commencement date was May 2012.
I want to get...
by
melanie688
on 20/04/18
Will the mortgage defaults remain now that IVA is over?
We had an IVA that we have completed early. It will be six years in Oct 2018. We would like to get a...
by
jenn
on 20/04/18
Replacement copy of IVA completion certificate
I completed my IVA over 10 years ago, I have since lost my certificate and recently found out the co...
by
jane208
on 20/04/18
Now TV
Thought I would add this under money saving tips, I have Now TV and buy vouchers on ebay for so many...
by
Mrs_Brown
on 20/04/18
Hey
Hey
I'm new to this IVA forum so not really sure where to introduce myself or anything, thats why i...
by
TheRosyEagle
on 19/04/18
Help. Companies saying I owe debt
I have just received a letter from my IP. It is saying that two companies have claimed I owe them mo...
by
mumof3
on 19/04/18
Bankruptcy and self employed
Hi,
After Iva rejected by one creditor, I applied bankruptcy and approved few days ago,
I am self ...
by
Smartguy3106
on 19/04/18
I am going to pay more back than I owe on my IVA - Is this right?
I am very upset with the way my IVA has progressed. I started with a debt of £25k and my IVA is due...
by
Disappointed01*
on 19/04/18
Payments not made to creditors
Hello. New to this forum.
I entered an iva in November 2014. Upon checking my credit score I notice...
by
Mhug
on 18/04/18
IVA agreement cancelled but they still took a payment out of my bank account
I set up an Iva but didn't complete application in time, they cancelled the agreement, but they ...
by
lorraine269
on 18/04/18
I have no idea how much I need to be asking to remortgage for
I’m in the 5th year of my IVA - Yey! Have just received a letter from my IP asking for two mortgage ...
by
katherine682
on 18/04/18
Do I have to use Select Partnership
Hi I'm coming to the end of my IVA and Apature has told me I have to deal with the select partne...
by
Dustyrusty
on 18/04/18
Iva full and final
Hi, could someone please shed some light on the full and final process, as my company are not much ...
by
nuttymarbles
on 18/04/18
Sell off house to pay off IVA
Hi I am wanting to sell my house which i have 50k equity in it to pay my iva off is this possible
by
jonathan189
on 17/04/18
Publicity
Can we come up with a better story that this one "manufactured" by Mail Online ?
http://w...
by
Foggy
on 17/04/18
Just found out Debt Free Direct is gone
Just found out the Debt Free Direct company is gone. My concern which company take over that busines...
by
fredy
on 17/04/18
I am being asked to inflate expenses. Is this rIght
Hello. I am in contact with nationaldebthelp.org.uk and whilst applying for an IVA, the company was ...
by
pawel958
on 17/04/18
Meeting of creditors.
I finally got my email through to say my meeting of creditors is on the 4/5/18!
Is this where I fin...
by
tia
on 17/04/18
Equity Clause from HMRC
Hi all,
I wonder if I could ask an opinion on my equity clause please. I am coming up to my second...
by
davejack
on 17/04/18
Will I get to keep inheritance after IVA completed
My IVA was settled and I got the certificate in June 2017,it's no longer on my credit file. I...
by
deborah180
on 17/04/18
HELP!!!
I wrote on here yesterday about my review . I’ve done it roughly on paper and somehow I’m left with ...
by
Pigger479
on 17/04/18
Harrington Brooks in Administration
Topic: Harrington Brooks in Administration
This is a notice to all debtors with Harrington Brooks...
by
Lisa Thomas
on 17/04/18
Do i must release the equity 6 month before the end of IVA?
If I enter an IVA, do i must release the equity 6 month before the end of IVA, does that mean I have...
by
summer376
on 17/04/18
How to manage my new pay rise
As I've mentioned in my other thread, I'm taking a new job just after my IVA has started. While I wa...
by
snailmail
on 16/04/18
Review time !
Hi everyone. It’s my first annual review which I’ve just received paperwork. In regards to my income...
by
Pigger479
on 16/04/18
Apply for student loan during IVA, possible?
Hello. Friend on IVA would like to know if she can apply for student loan for a 4months beauty cours...
by
Rosie8
on 16/04/18
Can creditors make me bankrupt because of failed IVA?
I have failed my iva due to being out of work and could not afford my payments , I'm worried my ...
by
valerie443
on 16/04/18
Will it be very tricky to get a lender for mortgage even after full and final?
Hello,
I am pulling my hair out (the term) with frustration and in the need of getting a property...
by
Amy.j
on 16/04/18
Would an IVA help me
Hi Guys, I have just been through a financially draining divorce where I have lost the house and ret...
by
stuart922
on 16/04/18
How to deal with a new car in an IVA
My other half (we are not married) is entering a IVA but has a fairly new but basic car worth around...
by
ukaviator
on 16/04/18
Will a guarantor be chased if I do IVA?
will my mum be chased for money if I went through iva as she was my guarantor?
by
karen959
on 16/04/18
Is F&F worth a try 17 months into IVA?
Hi - currently 17 months into my 5 year IVA
Paying back 250 per month and looking to offer FF se...
by
owen134
on 16/04/18
Can i cancel IVA before creditors meeting?
I have signed proposal for iva for 8grand of debt. The creditors meeting is on the 30th April. I wan...
by
ann222
on 15/04/18
Aperture has not contacted me after takeover from DFD, should i be concerned?
Have been in an iva for fourteen months. My iva company debt free direct taken over by aperture to h...
by
james882
on 15/04/18
I never had an IVA still my name is in insolvency register, please advice.
my name has been included on iva register wrongly never had a iva or any debt. Wife entered into a s...
by
cosmos
on 15/04/18
How long do i wait from signing the proposal before I hear something back?
I am taking out an IVA with credit fix. To avoid racking up more debt i have informed my loan provid...
by
tia
on 14/04/18
Crisis this early ?☹️
We have just made our first payment into our Iva, we have been budgeting well, even managing to cele...
by
Jackdaw
on 14/04/18
IVA is the best thing i ever did
I was contacted by the Money in Control company and found them to be extremely professional and they...
by
karen907
on 14/04/18
I want to pay one-off payment, how should I propose the payment?
Hi, I am on debt 40,000, i want to pay one-off payment as I got some money from my parents(18,000),I...
by
sufang
on 14/04/18
Is Carl McMullen at Pereto the best option?
Is Carl McMullen at Pereto the best option? Who is Erick/Eric Smith at uk money advice.com
by
jason585
on 13/04/18
I have accumulated debt again during IVA
Hi, I started an iva just over a year ago and everything went well, but due to change of circumstanc...
by
mirela
on 13/04/18
Can my IVA practitioner claim PPI from a previous creditor not part of IVA?
Can my IVA practitioner claim PPI from a previous creditor that is not part of my agreed IVA? They h...
by
alex164
on 13/04/18
We are having a nightmare with the equity release
Hi, We are in month 57 of an iva and are having a nightmare with the equity release with aperture fo...
by
Lynny
on 13/04/18
Will my IVA be extended to 7th year because of equity?
Hi I entered into IVA IN 2013 and I was told that the IVA will be over 6 yrs cos due to equity in my...
by
alisa
on 13/04/18
I haven't got the amount they want after review, I am on benefits
i am on a iva, next year will be my last year. I've been out of work the last 14 months and on b...
by
val101
on 13/04/18
Payments ended in January, today they have called to say we owe £400
Our payments ended in January and we are waiting for our completion certificate. For the majority of...
by
Anna.da
on 12/04/18
Property valuation before the end of IVA
HI can you help
why d o i need to have my property valued before the end of my IVA
If the value h...
by
thompson
on 12/04/18
Renting aftwr IVA
Hi, I've gone from total happiness of paying an f and f back in September 17, this week I finally ge...
by
Cole24
on 12/04/18
Changing mortgage deals while in an IVA
My fixed rate deal is up on my mortage but my IP is saying i need to show them my options before i r...
by
Si1991
on 12/04/18
Declaring Tax Credits in an IVA
I have currently been in an IVA for 8 months with Aperture and so far everything has been going ok a...
by
beautifulthings
on 12/04/18
Payplan completion certificate
Hi, need to know what a Payplan IvA completion certificate looks like as I think I've been sent...
by
rachel853
on 12/04/18
Business bank account
My husband is looking at going freelance in his work. Can you open a business account if you have an...
by
mumof3
on 12/04/18
Haines Watts IVA Ltd
Does Haines watts Iva ltd still in business if not who took over and how do I get a charge off my pr...
by
phillip515
on 12/04/18
IVA still not closed
I FINISHED IVA WITH DEBT FREE DIRECT THAT IS 84 MONTHS STILL ITS NOT CLOSED PLEASE HELP
by
narendranath
on 11/04/18
IVA proposal receieved
Hi all.
We have recieved our IVA proposals this morning and have downloaded and printed them. Befor...
by
Itsallouttherenow
on 11/04/18
Working in finance while in an iva
I have been in the Insurance Broking Industry for 38 years but have just been made redundant and now...
by
maxine851
on 11/04/18
My iva failed approximately 9 years ago but still showing as active
Hi my iva failed approximately 9 years ago but still showing as active on the insolvency register, I...
by
jglo
on 11/04/18
IVA finished, can they take my pension?
hello hope you can help me I have just found out I got a pension that I have got since 1991 and forg...
by
martin642
on 10/04/18
Over payment on agreement - what does it mean?
Hi I’ve had a voicemail of my Iva people to tell me there has been an over payment on my agreement w...
by
lucy349
on 10/04/18
Problems with my IVA provider
Hi , I am 5 and 1/2 years into an iva and I have problems with my Iva provider. My payments increase...
by
amanda866
on 10/04/18
IVA completed 2011, should I have paid IP PPI claims since?
Completed my IVA in 2011 and in the last two years I have successfully reclaimed some PPI, which has...
by
greg773
on 10/04/18
Do I have to tell IP about a Monzo account?
Hi There,
I'm currently looking at starting an IVA.
This may seem like a random question...
by
pixie177
on 10/04/18
Should I declare bankruptcy
HI I AM CURRENTLY PAYING 100 PER MONTH TO MY IVA WHICH I STARTED PAYING LAT SEPTEMBER I AM DISABLED ...
by
neil111
on 10/04/18
IVA settled and help to buy scheme
Would we be able to get a mortgage under the help to buy scheme? we had a previous Iva which was set...
by
alison986
on 10/04/18
I am due compensation due to a serious road traffic accident
I'm due compensation due to a serious road traffic accident in which myself and step son were in...
by
john401
on 10/04/18
To pay or not to pay?
Hi!
Weve recently made a decision to go for an IVA and are currently awaiting all DD's to go over ...
by
stmw
on 09/04/18
What are accruals?
Hello everyone,
This is Vidit I am little bit confused about accruals. Can anyone describe about sa...
by
viditagarwal2
on 09/04/18
I would like to look to moving house and will need deposit
Hi All,
I am about to run into a difficult situation where I would like to look to moving house.
...
by
p386
on 09/04/18
Does 12 months cooling off period begin from discharge date or from IVA end date
IVA began Jan 2013 discharged in January 2016 (certificate issued and received).
Does the 12 month...
by
Rosiedr58
on 09/04/18
Lump sum IVA creditors claims
My lump sum IVA was acepted and firm is still waiting for claims from few creditors to complete IVA....
by
Leo
on 09/04/18
I am unable to meet the minimum payment
I'm already in a iva but due too unforeseen problems, I'm unable to meet the minimum payment...
by
nigel728
on 09/04/18
I was not provided the right advice by Payplan
Hi, I had a debt of 54000 pounds. In 2013 I entered IVA with payplan. The initial proposal was 5 Yea...
by
B.18
on 09/04/18
Mobile phone
Hi
My o2 mobile is on its last legs my 2 year old daughter loves to drop it x I doubt I will get cr...
by
Vicstar1928
on 08/04/18
Iva living budgets
Hi
Can I ask what are the guidelines that iva companies work off for living expenses such as food s...
by
Vicstar1928
on 08/04/18
Driving lessons
I have never leaned to drive and would really like to learn especially as my daughter grows she is g...
by
Vicstar1928
on 08/04/18
Annual review completed
Because of the bank holidays and Easter my review been little bit delayed.. stepchange been very hel...
by
Oya
on 08/04/18
Do i have to repay debt already covered in IVA to my friend?
A friend used her Argos card to purchase a mattress for me and then went into an Iva herself. She no...
by
clair279
on 08/04/18
Loan to pay for funeral
Can I get any loans to pay for a funeral?
by
oam
on 08/04/18
Creditfix
Hi all has anyone got a name and direct dial for anyone helpful at Creditfix please?
Thanks in advan...
by
Joanne.nd
on 08/04/18
Can l cancel my iva before it is approved?
Just want to know if l cancel my iva before it approved. Do l have to pay any fees for the company w...
by
makuen
on 08/04/18
Yesterday I received a ‘Notice of Breach’ from Aperture
I have an IVA from a previous marriage which has ‘failed’. I approached the IP company - then called...
by
mark641
on 08/04/18
Who have people gone with to do iva
Hi people just wondering what companies people are with with their iva's only looked into one compan...
by
Abbimo22
on 08/04/18
Sold out debt still being added to my credit file after IVA completion
I entered into an IVA in 2013 Brighthouse/Caversham Finance has sold a debt onto Tocatto Ltd. Which ...
by
kerry308
on 07/04/18
New to iva anyone with hanover insolvency?
Hi everyone, I'm new to all this iva and just looking for people's experience and advice really to h...
by
Abbimo22
on 06/04/18
We never started our IVA but it is still showing on our records.
Hello, we started the process for a IVA but never completed all the paperwork required but it is sti...
by
stephen430
on 06/04/18
How should I deal with my debt
I have 2800 pounds I owe in total I get paid around 1075 a month, what is the best thing for me to d...
by
sarah895
on 06/04/18
Will PPI show up on my yearly IVA review?
Ppi refund before my Iva was approved will this show up in my yearly review I received my miss sold ...
by
julippie
on 06/04/18
Money to get a car while in an IVA
i have a worksave pension which i am still paying into .Im in third year of an iva.I need money to g...
by
mr995
on 06/04/18
PCo holdco
This company is still sending out default notices in my account despite my Iva was completed in Apri...
by
Nicpel
on 06/04/18
Do I have to tell me IP about PPI?
I have just received £5000 ppi payment 2days before going into an iva do I need to inform my ip
by
lisa773
on 06/04/18
Mortgage advice
Hi, my IVA was paid off in January 2017, and on my credit file is at appears as satisfied. I would l...
by
Nicpel
on 06/04/18
Divorce settlement during IVA
I was awarded an IVA in January 2017.
My property at the time was owned 50/50 by myself and my husb...
by
mel865
on 06/04/18
Payplan says i owe them another £350, after iva completion and final review
Good Evening, can someone please help. I currently have an Iva with Payplan due to the equity claus...
by
Macdog0305
on 05/04/18
Iva and complaints.
Can a Ip make you bankrupt, if you lodge a complaint against them? through the government gateway? t...
by
blueeyes
on 05/04/18
Confused:( how to apply for equity release
Hi! I was advised to try and remortgage. Please help.
I received this email from Aperture
“ I can ...
by
Jasmin.75
on 05/04/18
Creditors and third parties.
Is there anyway I can find out if my original debt has been passed onto a third party, I read that ...
by
nuttymarbles
on 05/04/18
iva modifications
creditors meeting is scheduled on Monday, but called the IP any progress, one creditor so far wants ...
by
niceguy
on 05/04/18