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IVA Forum Topics
sale of property
I am going through divorce and my iva has done 5 years +almost 1 extra I am hoping that the court s...
by
dennis
on 18/10/18
Affordability Passport
I posted another topic just now but this unrelated.
I have asked to review my income and expenditur...
by
sarah859
on 18/10/18
Extra income whilst in an IVA
how much do i need to report in regards to any credits into my account? my wage has gone up and i w...
by
sarah859
on 18/10/18
IVA approved!!!!!!!!
Hi all, not sure if you remember my posts last year when I when through whole process of applying fo...
by
ediunia82
on 18/10/18
Another Mortgage Question!! Completed IVA
Hi all,
Long time no posting!! However, this forum was a great source of support / reassurance whi...
by
Dodgy_Keeper
on 18/10/18
My creditfix review is coming up soon
My iva is in my name and not my husbands. we share a bank account where the bills are taken from an...
by
paddington1
on 17/10/18
Can I get a loan?
Hi, I was just wondering what the likely hood was of my IP letting me get a loan I'm in the last...
by
Emma14
on 17/10/18
Equity calculations with Aperture
Hi there I am coming to the end of my 5 year IVA with Aperture my final payment due 1st November. I...
by
jane181
on 17/10/18
Aperture delay
I was wondering if someone could give me some advice please as I am bit concerned. My 4 year anniver...
by
Skirky15
on 17/10/18
Change of job
Hi guys
Ive been in my iva for nearly a year paying £260 a month. I am roughly on about £19300 a ye...
by
Jessicamj
on 17/10/18
IVA and student loan
Hi, I have been on my Iva for just over a year, I have just had a letter to defer my student loan (I...
by
Adam_7985
on 17/10/18
Shared ownership
I have an IVA which is on it’s 57th month. My partner and I are 50 percent owners and other 50 belon...
by
tophee23
on 17/10/18
Coming off my IVA?
Hi, I started my IVA January this year and I have been offered a new job which would increase my inc...
by
jay903
on 16/10/18
Overtime being added to my net pay?
Hi,
This is my second year paying into IVA. Currently I pay 190 a month and whatever over time I do...
by
nadia499
on 16/10/18
If I clear my debt how will it affect my partners IVA
Hi
My partner is just into an IVA. We are cohabiting and my income expenditure has been included in...
by
ladymarmite
on 16/10/18
Default notice received before IVA meeting of creditors
Hi I am in the process of applying for an Iva. My proposal has been submitted and creditors meeting ...
by
beverley191
on 16/10/18
Freeman Jones Awful Service
Hi All,
First time posting here but I need some advice.
My IVA started in May 2013 with Harrington...
by
Oliver7964
on 16/10/18
No contact from IVA company
we made our last payment on our 5 year iva in January this year (2018). heard nothing from what so e...
by
cobby1994
on 16/10/18
Aperture
Just wondering if any members have had closure problems with Aperture as most comment's posted have ...
by
stanley2018
on 16/10/18
Wrong default date
Clearing Default incorrectly recorded.
Hi,
Hope you advise me here - I have been on iva which I ...
by
newboy
on 15/10/18
Third party offer
once you make a third party offer do you still have to make payments into your IVA until you receive...
by
glyn
on 15/10/18
Bad advice
My Iva company ill advised me on what my options were and failed to tell me that i was better off in...
by
mark424
on 15/10/18
Update on F&F number 2!!!
Hi all hope you all had a nice weekend x
My first F&F was rejected so i submitted another one o...
by
Bex12
on 15/10/18
YouGov Surveys
Hi. I’m hopefully in the last month of my IVA with what I hope to be the final payment due to come ...
by
Waitingforship
on 15/10/18
Renting while in an IVA
I am 7 months into an IVA. I currently
live by myself & private rent my sister's house but now...
by
Bran76
on 15/10/18
Paying more than I owe
Hi, my IVA started in Sept 2012 and was a joint IVA with my wife, we were originally with Melanie Gi...
by
roberta
on 15/10/18
Can IP take as long as they want to put forward offer to creditors
My son is about 3 years into an IVA and thus has another 2 + 1 years left until completion. A large ...
by
steve1505
on 14/10/18
how to see defaults on cr
I have credit reports with equifax via clearscore and experian report via experian but none show def...
by
dennis
on 14/10/18
buying a house after iva
how long after release from iva can i look to purchase a house? can i apply for a mortgage without m...
by
dennis
on 14/10/18
Question regarding mobile phone contracts
I’ve alreasy asked about car insurance and as part of organising my life I’m looking at mobile phone...
by
Nikl
on 14/10/18
IVA and mortgage options
So just started my IVA 6 months ago. Currently have 17 years left on my mortgage with NRAM. My IVA...
by
disneygal
on 13/10/18
Selling my home
Hi,
I originally posted about selling and the fees involved from the IVA side of things.
I have l...
by
Iwanttobreakfree
on 13/10/18
in An IVA, threat of 'Field visit' from mortgage Company
Hi there. I'm in an IVA in an attempt to rid myself of 2 rental properties which are in negative equ...
by
sam389
on 13/10/18
Can I get car insurance to be paid monthly after an iva?
I F&F settled my IVA last month and received my CC.
I have car insurance due in December along...
by
Nikl
on 13/10/18
Doubts About Select Partnership
After many adjournments by Creditfix my full and final offer was eventually accepted by Creditors. T...
by
SteveM
on 13/10/18
Including another debt in an IVA
If you have an Iva, and then get a debt collection agency visiting you, to make you pay a fine by se...
by
viv
on 12/10/18
ITS OVER!!!!!
So after months and months of waiting for CF to sort their paperwork issue out and then confirming t...
by
abbiesmum2003
on 12/10/18
I completed an IVA a roughly 17 years ago
I completed an IVA a roughly 17 years ago I have joint endowment policy although the property is no...
by
alan784
on 12/10/18
Remortgage Clause
Remortgage Clause - I have probably 200k of equity in my house today. I'm in month 54 of a 72 m...
by
paul362
on 12/10/18
Can they take more than I owed
Hello, I was with an IVA company and apparently they went into administration, my case was taken ove...
by
tracy712
on 12/10/18
Fraud?
My ex partner finished his IVA in Feb 2016 without divulging he had shares in royal mail, never paid...
by
Mnb
on 12/10/18
Still waiting on compleation of IVA (Freeman Jones)
Hi all I started this journey back sept 2012 I officially made my last payment back in March as I ha...
by
Steeddie
on 11/10/18
Full and Final IVA offer
Hi - looking to offer a full and final settlement - currently 2 years into 5 year IVA plan £250 per ...
by
owen134
on 11/10/18
Still not receive certificate
We settled our IVA early with Freeman Jones. We was previously with H Brooks. It has now been 6 mont...
by
sonnyboy
on 11/10/18
IVA mortgage
Hi was wondering is it possible to get a mortgage whilst in an IVA ?
Any information please
by
katana2471
on 10/10/18
How to you recover credit score?
How to you recover credit score wise from an IVA? I’ve finished my IVA earlier this year by offering...
by
l
on 10/10/18
Car on finance
I have my car on finance and I have since January 2017 and the finance ends in September 2020.
I...
by
Zebra555
on 10/10/18
IVA settled - overpaid?
I settled my IVA early a couple of years ago and I noticed I have paid back more than I owed (101.93...
by
Tx1pete
on 10/10/18
Full and final offer
I will be 3 years into my IVA soon. I will owe £14,544 in the remaining 24 months. A family member h...
by
ian32
on 10/10/18
IVA company holding my money
I was made to make a payment to my Iva company, once I made this payment I was advised that the comp...
by
helen198
on 09/10/18
I try to check on my ppi but w
I try to check on my ppi but was told creditfix may have claimed it.
by
salima
on 09/10/18
Would I be able to get a credit card?
Would I be able to get a credit card for £1000
by
shirley122
on 09/10/18
How do i get my activation email?
How do i get my activation email?? Been trying to sign up for 2 days.
by
Sharky87
on 09/10/18
I’m not finding it any easier
Hi everyone,
I’ve entered into an IVA about 3 months ago as well as my partner but we’re not findi...
by
Di16
on 08/10/18
Have I had an IVA in the past 5 years?
Hi, I had an iva which started in June 2010 and was paid in full in October 2012 but would have rema...
by
jayne270
on 08/10/18
Partner entering an iva
Hi all,
I’ve been in an IVA for about 15 months now and it’s all going great no issues. My partner...
by
Pigger479
on 08/10/18
It’s never ending!!!
Morning all.
I have phoned CF to ask how the F&F meeting went on Friday to be advised it has b...
by
Bex12
on 08/10/18
Can I be a mortgage advisor with an IVA
Hi my Iva was completed in February, I have my completion certificate. I am looking at training to b...
by
lewis
on 08/10/18
Could an IVA work for me?
Hi
I’m self employed and have own 3 property one is commercial & one I live & one let
I have £63...
by
Ross poldark
on 07/10/18
Full & Final offer
Hi,
I’m currently in an IVA and my partner has offered to help me with a full and final settlemen...
by
Debt free wanabee
on 07/10/18
rescinded iva
hi I have an iva which is for joint debts with my ex so it was set up that both would have iva"...
by
dennis
on 06/10/18
PPI - do I have to let iva company know?
I am nearly three years into an IVA. I have successfully claimed PPI dating back to 1997 when I was ...
by
darren295
on 06/10/18
Finally made last payment
Hi All
After 11 years. Finally made my last payment. Seen some posts about aperture being really sl...
by
Chappie
on 06/10/18
Aperture issue
had an email from aperture on the 10 th may 2018 to say my case had been finalised and i should hear...
by
angela303
on 06/10/18
When will my credit Report be clear?
Hello. I have cleared my iva in full January this year. I had 8 creditors. But only 7 have have b...
by
Karen.59
on 05/10/18
Annual review
I am due my annual review soon and I have some questions. I am with Freeman Jones. When I had taken ...
by
matilda282
on 05/10/18
So frustrated
Hi all hope you all are well.
I am getting so frustrated now as my first full and final offer meet...
by
Bex12
on 05/10/18
How can I prove I cleared my IVA
How can I prove I cleared my IVA with completed in 2010. Being over 8 years ago I don't have a...
by
leighanne
on 04/10/18
Failed IVA with Aperture
I had an IVA which failed back in Aug 2016 with Debt Free Direct. Was not aware they had collapsed. ...
by
amit829
on 04/10/18
IVA declined due to too much equity
What to do if house is has too much equity according to IP so Iva declined
by
hrobson
on 04/10/18
Made redundant whilst in an IVA
I've been made redundant, where does this leave me with my IVA ?
by
leigh
on 04/10/18
Car total loss
Well I’m having a fantastic time at the moment. I very stupidly (don’t ask me how I did it) damaged ...
by
mumof3
on 04/10/18
Question about my IVA proposal
Hi Im having a IVA proposed by Step Change in a weeks time. I owe about £36000 to various cards and ...
by
Jtmlk
on 04/10/18
my iva came with an insurance policy
my iva came with an insurance policy to cover payments should i become ill,redundant or death can th...
by
dennis
on 04/10/18
Default dates wrong
Hi guys,
Nearly 18mths into my IVA. Cant lie its been tough, but a necessary evil and lessons being...
by
Johng79
on 03/10/18
Awaiting completion certificate
I have completed my Iva March 2018. Now it’s October 2018, still haven’t received my Iva completion ...
by
kazi940
on 03/10/18
Final Payment
After almost six months delay and 5 adjournments ,due to Creditfix internal administration fiasco, t...
by
SteveM
on 03/10/18
Can I add French debts?
I am having to go into an IVA to get debt free. Can I add a Debt for Property Tax and Utilities in F...
by
deborah854
on 02/10/18
Annual review
I have been in an IVA with Apeture since August 2017 and I have not heard anything in regards to my ...
by
beautifulthings
on 02/10/18
IVA COMPLETED!!
Hi, here's my story for those of you about to enter an IVA. i ran a small business and managed to am...
by
Nigel.rn
on 02/10/18
Default notice
Hi just a quick question .My iva was approved end of june this year,ive just checked my credit repor...
by
Mpbmpb
on 02/10/18
Post of the Month
Hi All,
That time has come around again, here is the Post of the Month!
This months recipient o...
by
Foggy
on 02/10/18
No communication following creditors meeting today
Had an iva creditors meeting today credit fix are dealing with it was 12.10pm but had no phone call ...
by
emma265
on 01/10/18
Can I get a few things on direct debit when in an IVA?
I am currently in an IVA. Am I allowed to get a few things on a monthly direct debit with disposable...
by
Zebra555
on 01/10/18
Mortgage is on my chairman's report
Hi,
Looking through my iva paperwork with payplan, I have noticed that my chairman's report has...
by
Tim24752
on 01/10/18
Can I re-use my credit card accounts once IVA is finished?
Hey.
I’m currently in an IVA.
When I have finished paying my IVA, will the credit card accounts ...
by
stephen577
on 01/10/18
Mortgage possibilities?
I entered into an IVA Jan 2012, I completed it Jan of this year and have received my completion cert...
by
jacqui518
on 01/10/18
Completion certificate?
I have just finished an IVA 8months ago and still have not received my certificate,I phoned them up ...
by
Adam.dn
on 01/10/18
How can I clear my IVA?
Hello, I started an IVA in October 2016 (2 Years) I had around £13,000 in debt and currently paid £6...
by
ilx_smithy123
on 30/09/18
Some very recent recommendations IVA-wise from the Insolvency Service.
Stylishly reviewed by The Insolvency Panel.
Even if you only care about your own immediate interest...
by
jonathah
on 30/09/18
Will my car on finance be affected if I get an IVA for my other debts?
I have HP finance with Santander. will it be affected if I get IVA with my other creditors?
by
danny502
on 30/09/18
IVA Done
I’ve been Fortunate enough to receive bonuses and my recent one enabled me to offer 100p/£; yesterda...
by
boblardo
on 30/09/18
Mortgage options
I’m currently one year into an IVA. My partner, who has a perfect credit score and I want to purchas...
by
gary874
on 30/09/18
Equity and PPI
I have 1 month to go to complete my IVA. After 6 years I will finally be rid! It has given us a life...
by
Gillian.29
on 30/09/18
Broker for equity release
I am with Pareto money and coming up to my equity release they are using a company called select par...
by
sam666
on 30/09/18
PPI
Hi all.
I have completed my I.V.A. back in June. 2018
My question is in 2003 I had a few loans....
by
Operaghost
on 30/09/18
Got a credit card in final year of my IVA
I have an IVA in the final year and stupidly got a credit card and they put the limit up and my car ...
by
robert885
on 29/09/18
How does an IVA affect my workplace, tax and bonus?
Hello. Will be very appreciated to get answer on my question. How does IVA affect my workplace and t...
by
janis
on 29/09/18
Ever changing goal posts
Well with any luck I am now one more payment (end of October) away from completing this salvation/ni...
by
Waitingforship
on 28/09/18
Can a debt be added to my IVA?
My ex wife and I took out an iva 5 years ago. Last payment is sept 2018. We separated and agreed wit...
by
Elmeatbolio
on 28/09/18