IVA Forum - Latest 100 topics Go to IVA forum

IVA Forum Topics

Hi My husband entered an IVA (from business debts that he put personal guarantees on!) that was due...
by SKM on 02/12/20

In 2012 me and my wife took out a iva together to consolidate credit cards ect... I paid £150 a...
by Adamlee on 30/11/20

Hi all... I very recently started my Iva journey, I’m just trying to get my head around everything...
by bella102 on 30/11/20

Hello, I currently have a car on finance on a pcp which is due to end in April. I have to pay £3000...
by emily682 on 30/11/20

Not really a question but an update... My partner put forward a full and final offer of my remaining...
by rachel270 on 28/11/20

My friend works for Hanover insolvency, there is a rumour going around that Creditfix is taking...
by penny150 on 28/11/20

I am only 3 months into my Iva but my mother has recently come into some money and has offered to...
by Ap2026 on 27/11/20

I Completed my IVA five years ago,still awating fo my completion Certificate. I have now found out...
by eurica on 26/11/20

Can an IVA that started in 2016 be extended on the grounds of a new creditor surfacing or an...
by jeredine on 26/11/20

Hi all I received my completion certificate today via email although full 6 years does not come to...
by RunnerffirG on 26/11/20

Hi everybody. I don't know how to start so firstly Vanguard doesn't exist anymore, vanguard website...
by maachiaveliq on 26/11/20

Hi,I entered into an IVA with the Mrs after falling into Insolvency. We were advised to wrongly with...
by victor355 on 26/11/20

I’ve been asked to send Creditfix all my payslips from the past 12 weeks and last years p60. As a...
by Ap2026 on 26/11/20

Hi, My IVA was set up by Vanguard which has now passed over its clients to Ebenegate. I have my...
by kyle197 on 25/11/20

Hi All, I’ve had my initial call with step change, gone through my debts and budgets and what I...
by emma686 on 24/11/20

Have just found out that although my IVA was completed in Feb this year, I am bound by a trust and...
by Susandv20 on 24/11/20

Are there any organisations/companies that can negotiate settlement of IVA’s for you. My Iva is...
by cda714 on 24/11/20

Hi, I’ve just started my IVA process. Current debt is 7000 future finance, 5000 creation, 2000...
by worried535 on 24/11/20

hello - how can I separate our interlocking IVA's please as I have inheritance coming just to myself...
by julie376 on 24/11/20

Hi all, I had my IVA accepted last week with Payplan. I work full time and my partner looks after...
by CathyLove79 on 24/11/20

Hello! I entered into an IVA in September 2020. However, now things have begun to settle down and...
by daisies on 24/11/20

I wanted to post an honest review of my experience with credit fix. So I started my IVA with small...
by Amyhowarth86 on 24/11/20

So I’ve recently had my IVA extended for a year and got my annual review coming up. There’s...
by laura414 on 23/11/20

Hello, I have been offered a job where I get a £4,800 a year car allowance. This equates to £400...
by abi547 on 23/11/20

Hi there, please can someone help as I can't seem to find answers for my problem. I'm almost three...
by sam821 on 22/11/20

Hi long story short I got my self into 69k worth of debt lost my job ended up on universal credit...
by Head above water on 22/11/20

Hi All, I entered in to an IVA back in 2007 and the IVA failed immediately. they asked me to...
by jonathan427 on 22/11/20

Hi , I started an IVA in 04/2019 , payments set at around 450 a month. Since the payment have...
by james377 on 22/11/20

I had a bonus payment and forgot to declare to IVA company, however was only in October. How do I...
by Elliver on 22/11/20

Hey all. It’s been a while since I’ve posted. I hope everybody is well during this crazy time in...
by MrBT96 on 21/11/20

My Creditor meeting was yesterday afternoon and I spent all day anxiously checking my emails to see...
by COB on 21/11/20

I just wanted to ask you something. I am guarantor for somebody who is now on iva. Obviously the...
by Izunia1981 on 20/11/20

I have been in an IVA for almost 3.5 years, and up until now I have never declared it as part of my...
by p942 on 20/11/20

I have 15 months left of my IVA with Creditfix and £1170. My parents have offered to pay £1000 off...
by marie445 on 20/11/20

Apologies if this is a duplicate. A quick query regarding my credit report, I have been in an IVA...
by loislane on 20/11/20

I have been previously advised that my income and expenditure statement needs to include my partners...
by p138 on 20/11/20

I know a certain person that has been doing IVA fraud how do I report said person? I have evidence...
by jabba189 on 20/11/20

Good morning. I am currently in an IVA, about to complete my first year. As a result of Covid, since...
by james581 on 20/11/20

Hello Today is a good day , after 7 months of making my final payment on my Iva I have today...
by T9UPS on 19/11/20

Newbie looking advice please ? So I’m currently talking to national debt advice who are helping...
by marisa on 19/11/20

Hi - I've had a letter from my existing mortgage company outlining that I am basically a 'mortgage...
by Coline81 on 19/11/20

My parents have offered to pay off my IVA. I contacted CF a while ago to see how much I would need...
by disneygal on 18/11/20

I finished my IVA 2019 and has been off the Insolvency Register, The Letting agent Reference agency...
by maria875 on 18/11/20

Full and final offer - my home will not have enough equity in it. If I wanted to pay it off early...
by disneygal on 17/11/20

Hi I am currently just coming upto completing my second year of my IVA. I originally signed with...
by kyle197 on 17/11/20

I have contacted my IP several times as I have I have been called by their 3rd party equity release...
by Nickibu82 on 17/11/20

Do you stand a better chance of opening a current account with insurances, once your IVA is marked...
by Lee-2019-2024 on 16/11/20

How do i get a copy of my iva letter of discharge as santander want to prove my iva has finished
by timothy on 16/11/20

Hi i currently have a iva with jarvis ( was apature ) and am paying £263 per month and have approx...
by craig165 on 16/11/20

Hi I have paid my IVA in one lump sum .CAN I apply for a rent to buy mortgage now as my IVA is...
by christopher319 on 16/11/20

Hi All, I wanted to ask for some advice, I am in the position whereby my payment plan is calculated...
by falrow1974 on 16/11/20

Hi, I recently completed 1 year of IVA by paying £150/month n annual review is due. My salary in...
by hasan on 15/11/20

Hi I'm considering going down the route of an IVA as I can't get control of my debt. Ive spoken...
by matt796 on 15/11/20

My IVA mentions that if it is paid within the 66 months period from the start, there will be no...
by Fizper on 15/11/20

I took out an IVA last year and was told at that the time that I could pay it off quicker or pay...
by MissT on 15/11/20

I have started an IVA and it was approved, later down the line Barclays, who was one of the...
by alexandra663 on 14/11/20

So ive been in my iva 2 years now, i had a basic nationwide account. However I opened a monzo...
by Jessjj on 14/11/20

So so excited to be writing this but the 01 December will be my last ever payment into my IVA! Its...
by Helly78 on 14/11/20

Inheritance - I received a cheque from a family members will who I had no idea about or have any...
by lauren923 on 13/11/20

Hi all , my car has just give up the ghost after 8 years. I have just been accepted for a credit...
by barassic on 13/11/20

Hi all. My partner offered a full and final settlement to stepchange to pay off my IVA. He offered...
by rachel270 on 13/11/20

Hi I am currently waiting to drop of the Insolvency Register. There are 2 dates on the register....
by cowpie on 12/11/20

Hi. I have previously had an IVA which was discharged over 6 years ago. I have now been offered a...
by cath438 on 12/11/20

My IVA was approved on 14th September 2018 and I’ve been on my credit report and I have defaults...
by gemma685 on 11/11/20

hi so so scared me and my husband took out an iva wish we never did was literally talked into it my...
by rachael558 on 11/11/20

Hi my Iva was completed in July I’m still waiting for paperwork I find that aperture who had my...
by gary763 on 11/11/20

Hello, I am looking to apply for an IVA preemptively - from next month my expenses are going to...
by meg499 on 11/11/20

My Iva finishes in January 21 I pay £150 pm Iva have just had £1000 ppi sent to them, will I still...
by lisa309 on 11/11/20

Hi all, Looking for a bit of advice. Not long finished my IVA, and looking into cleaning up my...
by Clarencew on 10/11/20

Hi, I wanted to ask about saving, I sometimes do a good amount of overtime at work and im following...
by jawad on 10/11/20

I had an IVA with Harrington brooks that finished March 2018. If I receive any PPI payment now...
by claire529 on 10/11/20

Back in May 2020 CF asked for an extra £86 from all creditors to help them deal with IVA's...
by lifenoteasy on 10/11/20

Evening All. My IVA began in Sep 13 and was completed last year. On tidying my credit reports I...
by vikkib1212 on 10/11/20

Hello all, Nice to meet you all I’m new today to this forum. I have been reading for days now...
by kitty14 on 09/11/20

Hello, Should I be worried that I completed my 5 year Iva on the 27/04 And still not received...
by T9UPS on 09/11/20

I am 3 years into my IVA but have been contacted by the IVA company to say that one of my creditors...
by zoe905 on 09/11/20

Hi I had my annual review and my payments were initially 90.00 per month but have annoyingly...
by emily695 on 09/11/20

I want to pay off my IVA before I move in with my partner, I’ve got about 5k left to pay off. Will...
by lauren1104 on 08/11/20

Inheritance - I am currently 6 months into my iva , I pay £249 each month , my debt at the start of...
by lauren923 on 08/11/20

Hi, IVA completion certificate received over 3 years ago and now I'm looking at moving and applying...
by kravarran on 08/11/20

My brother has been waiting 5 years for HMRC and his previous employer to agree to the terms of his...
by Poppet on 08/11/20

Hi, my partner and I are goin through the process of an iva, it should be sorted on Friday for...
by lisa294 on 07/11/20

hello. i had a iva with dfd. it finished all paid up 2015. I received a letter 2 days ago from...
by mandy768 on 07/11/20

Hi I had an IVA with my late ex husband in Nov 2008, in Feb 2010 it failed as we spilt up. He went...
by karen992 on 07/11/20

I currently bank with nationwide flex basic ( absolutely fine ) Only reason I have opened a Lloyds...
by Lee-2019-2024 on 06/11/20

Hi, I am a sole trader, since about a year under personal IVA. My provider gave me a permission to...
by jerzy on 05/11/20

Hi, i closed my IVA back in July, i received an email saying Aperture as now been taken over by...
by nikki361 on 05/11/20

I have received confirmation that an early settlement of my IVA has been accepted today by Creditfix...
by rhian242 on 05/11/20

Hi I have 15 months left on my iva which I pay £150 a month. I have been battling cancer for past...
by angel147 on 05/11/20

I'm currently under an IVA I have a car on finance (PCP) but I struggled with payments so a family...
by neil122 on 05/11/20

Hi I completed my IVA arrangement in 2016 having paid over 75% of my depts. but there was a wind...
by robert969 on 04/11/20

I got an IVA approved with modifications on my name.. I got blood pressure and diebities and working...
by rizwan on 04/11/20

Just sent in forms for review no 3, much easier this time as they didn't send encrypted word files!...
by Mrs_Brown on 04/11/20

So, I finished my IVA two months ago and received my certificate of completion and final report last...
by Clarencew on 03/11/20

I completed my Iva in 2014. In 2019 I received forms from first dispute management asking me to...
by Kathleen.02 on 03/11/20

Hello, Regarding building my credit score up, if I have direct debits in my name (but the account...
by gemma685 on 02/11/20

I am entering my sixth year of IVA, no equity release was available, in my first year when paying...
by Debt Monkey on 02/11/20

Hi I’ve had my annual review email and I’ve been waiting for my p60 to be sorted out, how long...
by zoe182 on 01/11/20

I have 11 payments left on my iva. My husband has offered to gift me the money to repay my IVA...
by Iva1 on 01/11/20

Hi, I am in an ongping IVA. I opemed a new bank account. I was banking with Barclays but they are...
by lol2030 on 01/11/20