IVA Forum - Latest 100 topics Go to IVA forum

Hi guys hope you are all well. 3 payments into my IVA nearly, and it's a culture shock I have to sa...
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Hi , does anyone know a good company to obtain public liability insurance specifically for agricult...
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Can I pay off my IVA with a loan?
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So, five years ago I was writing IVA approved, now its Full and Final approved! So close, just wait...
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Is an iva a free service that costs me nothing and no charges from the iva company? Thank you.
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Settlement offer I don't understand the estimated divided... Estimated to receive It's say...
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Hi i have recently lost my job and going through an IVA and now I'm not earing an income what wi...
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We entered into an IVA on 6th September 2011. We received a completion certificate on 31st May 2017....
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I'm in arrears with my plan In Jan this year I got back into work I emailed for help in getting ...
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After 6 years I've been told my completion certificate in the post to me! Hurray!!! so I enquired a...
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After 6 years I've been told my completion certificate should be in the post to me - hurray! But...
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My ex husband is a brain injured vulnerable adult. It would have been clear to Baines and Ernst that...
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Hi. Will IVA effect student visa status? Will it effect ILR? thx
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I'm currently going through insolvency, my partner and I are talking about moving in together. W...
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My iva completed on March 17. I'm still awaiting my certificate and was told that it was on my ...
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Hi, I'm looking to get ahead of the game with Payplan, I have my next yearly meeting on 26 July. My...
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I am providing proof of savings for f&f for my daughter, I have £2000 more savings than I am offerin...
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A creditor in my iva has changed my account to a credit card facility rather tHan default it. Is thi...
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In my IVA agreement under the heading PPI, It says Not applicable I have almost finished it now. Doe...
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I entered into an IVA in 2005 in my younger days and I can't remember how much if anything I'...
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I have just received certificate for completing my IVA after 6 years and got my credit reports from ...
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i have received money back from ppi and spent it. my iva started in 2007 and finished in 2012 with ...
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Hi, I have been making enquiries into getting a mortgage after an IVA. My last payment is 31/8/2017....
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Hi all I guess I'm posting this to prove that there IS a light at the end of the tunnel. I paid off...
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I had a terrible call from Creditfix yesterday. The lady made me feel very anxious and upset (which...
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Morning Folks, Newbie here! I am in a pit of no hope lately financially. £29,000 worth of credit ca...
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Hello, I am in an IVA which has 3 year to run with payment of £100/Month. I am struggling to meet m...
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I'm thinking about an Iva but wanted to know how much income you are allowed to have for yoursel...
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Let's put together a thread with all of our best money saving tips: I will kick of with, simply: ...
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Hi all brief outline I have £25000 debt ( mainly paying off exes debts) . This was manageable but st...
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Hi. I was toying with writing a blog but everytime I try to set it up it fails....
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Evening all So, I'm trying to become a bit more proactive with things so I logged into one of these...
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I've been offered a new job with better prospects for me. its in another city and the travel would c...
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I have been in an IVA since January 2018. With a build up of debt and ex partner gambling problems, ...
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Me again :) hope you guys are all well heres my full and final offer... if i can get some feedback ...
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Hi, I am in my 65th month of my iva and was told by my iva company I had to extend the 6years for an...
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I've just submitted my paperwork for my second year review and I'm just curious about how much they ...
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Hi everyone, just a quick update really. So both me and my husband entered into an iva early last ye...
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I have an IVA with Creditfix. A couple of months ago I took payment of my private pension of £ 11,0...
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Hi. This post is a bit complicated, but I hope someone can help. In late 2009, I was critically ill ...
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Hi, I have recently completed an iva with a full and final settlement and now I am recieing letters ...
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I have been speaking to StepChange about an Iva and have an appointment for a few weeks time. My deb...
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My via provider has calculated that I owe them money at the end of my iva term. I have made an offer...
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I'm just in the process of completing my second year review. When I started the IVA, my payments we...
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I have been paying my own IVA for just over a year. Its a 7 year term !, I have been considering my ...
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Hello,I have been in an IVA three years and 6months. I offered full and final payment £6500. Balance...
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Hi - quick query. I've been given a closure figure from Payplan of £4,600. My mum has offered £4,00...
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I had a Iva for 6 years and just paid the last payment also I paid off the payment holidays that we ...
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Hi I have been offered a job with the civil service. The pre-employment checks ask if you are ...
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Hi - I'm new to the group and looking for some advice concerning the order of events and expected ti...
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In a iva now 27 months can you being old enough take equity out of house to offer a full and final p...
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Hi guys, first of all thanks for creating a great forum and sharing your experiences! Yesterday rece...
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Hello I'm really worried in that I might be on the verge of being sacked at work. I'm in a i...
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I have been asked if I will accept a 12 month extension to my IVA proposal. I really don't want that...
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Hello out there, Can anybody please help, we are at our wits end and close to breaking point. My Par...
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Do I have to pay the company who arranged the Iva I was told at start it was a free service but I fi...
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They have extended my IVA for another 2 year, it's been running now for 73 months over 6 years, ...
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Hello I'm gong to be settling my iva early in August I'll be looking to apply for a mortgage...
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Hi, looking for some advice. I'm at the end of my 4th year of my IVA with DFD, I've never missed an...
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Hi, We've waited 4 months since final payment and still no sign of completion documents from our IP...
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Hello there. My wife and I are very worried as we are struggling to pay our unsecured debts each mon...
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I have been dumped by my now ex partner who I have to live with because we have a joint mortgage - h...
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Hi all, I'm new to this forum so please bear with me! My husband and I entered into an iva with...
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Hello. My IVA was settled in 2014, I have been issued with my certificate and have been removed fro...
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I have multiple mortgages and it is quite daunting to contact each one independently. Is there a cen...
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Hi just a question really in behalf of my husband as we are planning to apply for an iva ... later o...
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I am currently in an IVA and this matter has gone to court for £55,000 with the estimated dividend a...
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I had an IVA that failed, as the company that I was working for went into liquidation owing me £20k ...
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Hi, Can't believe that I am now into my 5th year of my IVA, I won't say it’s been easy, and my hous...
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So Ive spent 2 months going over my near future and options. And Ive decided to go ahead with Perin...
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Hi I've taken out an IVA and have paid the first payment on 1st June. I opened up a new bank acc...
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FYI https://www.irishtimes.com/business/financial-services/aib-moves-on-distressed-uk-debt-managemen...
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Hi. I cant believe its finally getting near to the end after nearly 5 long years :D but i only have...
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I am currently on an iva and my new partner also has one in place too. How would they be effected i...
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6 months after completing our Iva we have managed to do a remortgage successfully. I know people rec...
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I am currently starting year 3 of my IVA. The first year i paid £260 per month. The second year th...
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Hi, I'm in the process of getting my paperwork together to send to my ip to start my Iva , my phone ...
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Hey all I'm so lost and confused today it was my creditors meeting but they have asked for further d...
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Informed of my first Tax refund since my IVA finished. I had two during and just waved bye bye to th...
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Hi guys. Hope you are all well. I was wondering if anyone was in similar situation. Just got the let...
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I have just entered into an Iva and my car is on pcp agreement and will go back in October. Where c...
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Hello All, I have just been offered a new job and will be given a company credit card for travel an...
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Anyone in IVA with creditfix? I recommend you look in to it. I found I was paying for debts that had...
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I am over the Bl****y Moon!!!! Meeting was set for 10:00am this morning I received an email at 08:4...
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I'm in the last year of my 5 year Iva. I've never missed a payment. I've made extra paym...
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How can I find the date my iva failed I'm sure it's over 6 years and shows £0 need to get it...
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Hi, I am now in a 10 month extension period due to additional income. They forecast me paying in a t...
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We have just received a notice from Tax Credits that we owe them £2700 in overpayment. I started emp...
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I've just received from my IP Iva after 6 years it's says following a review of your file ...
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Hi. I'm one month into my iva and I've found out that my parents are splitting up. Once the house I...
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I have just received my Certificate of Completion of a Full & Final IVA dated 26/6/17. My mortgage ...
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Can a person with a settled DMP be a trustee of a charity?
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I successfully completed my IVA Dec 2011, now I have a rather large PPI claim against RBS upheld onl...
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Good morrow my fellow IVA'ers, I'm seeking advice & would be very grateful if anybody knowledg...
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Hi All My IVA agreed amount is about 10k, less than what I actually owed. Just a quick q, with gett...
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My partner has an IVA, I myself have no debts to re-pay. If we were to open a joint bank account tog...
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Im in my final year of my IVA with only 8 payments left. I have never missed a payment, and have end...
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Deadline day tomorrow between 8 am and 8.30 am I think the nerves are kicking in now 😔
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We are in the extended year (6th) of our IVA. Due to a dispute over the amount of repayments we were...
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48 hours until our F&F meeting 10am on Thursday, I am hoping this will be the end of a very long...
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