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IVA Forum Topics
Hello, My final payment Is due April 28th and I am currently with anchorage chambers. I haven’t...
by
T9UPS
on 19/02/20
I entered into an IVA over 10 years ago unfortunately I had to go bankrupt 12 months later. The IVA...
by
jeanette344
on 18/02/20
Hello. I have cae finace left 8.5k ( intrest i alredy finish pay. ) Car engine blow up and i...
by
elvijs
on 18/02/20
I am applying for an IVA and awaiting for results. When I have been approved can I still use my...
by
leanne140
on 18/02/20
My partner and I are in a linked IVA, the final payment was made 15 October 2019 in September 2019...
by
stella505
on 18/02/20
Hi I have just finished my 5th year of my IVA and the IVA company are trying to release equity from...
by
lee572
on 18/02/20
Good afternoon all. So a little bit about the situation I find myself in, I managed to pay my Iva...
by
Ivafree92
on 18/02/20
Hi so i've got 37k worth of debt mainly with HSBC and a few hundred with other creditors with most...
by
thedude95
on 18/02/20
Hi all, it's been a while! I hope everyone that remembers me are all doing well. Me and my husband...
by
lem
on 18/02/20
Morning, Hopefully the last question I will have to ask. I was lucky enough to end my IVA early...
by
Ferret123
on 18/02/20
We were about to submit our information for an IVA but the person advising us said due to recent...
by
Fay1983
on 18/02/20
We are new to all this and still in the process of DMP/IVA (will do one short term then the other)....
by
Fay1983
on 18/02/20
Hi. I'm hoping I can get a bit of advice about a failed IVA. I put my hands up and admit this is my...
by
scotty943
on 17/02/20
Why am I not being called back, its extremely disappointing to know and can not trust advisers whom...
by
ernest536
on 17/02/20
How likely is my IVA to be accepted the debt is 13500 and credit fix have told me that my proposed...
by
tina796
on 16/02/20
If my friend has an iva can she apply for virgin media
by
rajni
on 16/02/20
Hi, I am trying to get a hold of my finances and am considering an IVA but I am sure there are...
by
victoria138
on 14/02/20
Hi all I am nearing the end of my 6 year IVA and can finally see light at the end of the tunnel. I...
by
cowpie
on 14/02/20
Can you choose which accounts to include within your IVA. I have a bank account which has a zero...
by
jack311
on 14/02/20
Hi team, I need some advise as i don't know what to do anymore. Recently (9-10 months ago) I...
by
hektiic1
on 13/02/20
hello, I have a debt of £3,000 with HMRC for tax credit over payments, my total debt is approx....
by
kirsty253
on 13/02/20
I received my completion certificate from Aperture in February 2018. Today, February 2019 I have...
by
michael164
on 13/02/20
I have a lVA, my question is, if i inherit money can the IVA and creditors take it all, or just what...
by
john224
on 13/02/20
My IVA was successfully completed in March 2017. The IVA started in FeB 2012. Lloyds bank were...
by
dhiru
on 13/02/20
Hi all a quick update vanguard have sent me confirmation of my creditors meeting 28th february so...
by
Colin351973
on 13/02/20
Hi all Currently coming up to Year 3 mark on my IVA. I am married but my partner is not on my IVA...
by
jessi3498
on 13/02/20
I would like some help to see if I can write of two of my debt I’m in a situation that I just...
by
sophie556
on 13/02/20
Hi, I’m new here, how have I not come across this forum before?! My estimated IVA end date is...
by
Lucyj1983
on 12/02/20
Hi, I have had an IVA now with creditfix since August last year. Today I returned home to find a...
by
chrisg
on 12/02/20
Good afternoon, I am in my 4th year of my 6 year IVA, due to end Dec 2021. When I set up my IVA I...
by
jay399
on 12/02/20
Hi, I am in an IVA (5 years - £6,000) and have £4,700 left outstanding (paying £100 a month) to...
by
Happyone
on 12/02/20
If you have an IVA can you keep compensation for pain and suffering only and there is no financial...
by
beverley815
on 12/02/20
I am self employed and due a refund on a tax return, i submitted my tax return and requested money...
by
rachel233
on 12/02/20
hi, I have been in my IVA for 3 months owing £22k and I am about to receive a windfall in the next...
by
nicole886
on 11/02/20
Hi my hy husband and myself are due to complete our 5 year IVA next June, we have been paying...
by
paula256
on 11/02/20
I have an IVA which a third £8200, with the IVA costs it has now increased to £11,922. When I...
by
hmo
on 11/02/20
My current landlord has advised she needs the property back, how difficult is it going to be to pass...
by
darren309
on 11/02/20
I have an IVA with Freeman and Jones and they have been inconsistent and unsympathetic from the...
by
pjf
on 11/02/20
I've been told that I need to get proof that I have tried to remortgage to complete my IVA. I...
by
susan455
on 11/02/20
Hello all, Just doing my yearly review of my income and expenditure and noticed that they have...
by
andrew190
on 11/02/20
My husband and I completed an IVA in 2017 and due to debt free direct going into insolvency it took...
by
sharon763
on 11/02/20
Hi, I’ve read a few of the posts and was surprised to learn my F&F figure can be lower than my...
by
Nakedguru
on 10/02/20
Hi Just wondering if people would be kind enough to confirm the maximum allowance you have been...
by
amanda751
on 10/02/20
Do I have to accept a remortgage or secured loan
by
Suzi47
on 10/02/20
I have just recently signed my IVA proposal and would like to cancel it. A creditors meeting has...
by
leanne140
on 10/02/20
Insurance companies seem to want to know if you have been in an IVA or are currently in one for the...
by
amiable659
on 09/02/20
How are permanent pay rises / promotions handled within an IVA. Is it a 50/50 split prior to review...
by
Debtfreewannabe2022
on 09/02/20
Hi, I am new here and I am unfortunate to be in a situation where my debt has taken over my life to...
by
Sekaro7
on 09/02/20
Hi I’m still exploring going down the IVA route and wondering if hire purchase agreements with...
by
amanda751
on 09/02/20
Hi I started my iva on the 5/8/2019 my grandad passed away on the 9/2/2019 before I signed my iva...
by
lee949
on 08/02/20
What are ya your requirement to be eligible?
by
mylinda
on 08/02/20
Hi all. We started our IVA in sept 2014 and got our CoC last week(so relieved). Have been checking...
by
Clarky27
on 08/02/20
Hi good afternoon this is my first post. Finally realised I am on way over my head and need to...
by
DoubleD
on 08/02/20
Hi I’m thinking of entering into an Iva with StepChange and have had my first appointment however...
by
sma
on 08/02/20
Hello Hope you can help. I really really want to see a credit report that looks healthy after all...
by
Karen.59
on 08/02/20
My 1st year annual review with PayPlan is coming up soon. I really don't know what to expect and I'm...
by
peaceofmind25
on 08/02/20
Hi, Just finished my IVA & paid the last payment in November, I've received a a letter from the AVI...
by
musty
on 07/02/20
I have over 40k of debts with a number of credit cards and personal loans my income is 1230 per...
by
mark147
on 07/02/20
Hi I entered into an IVA in August last year and just received a letter from the Land Registry to...
by
sharon474
on 07/02/20
I received Bonus/overtime payment of £900 in November last year. I’m in a trust deed with credit...
by
john360
on 07/02/20
Hi. I’m at the point of equity release in my IVA. However due to wage and payment increases, I...
by
Topcat
on 07/02/20
Hi all I'm currently in an iva since Oct 2019 I was told I could keep my car as it looked like it...
by
Clairebear
on 06/02/20
Hi all so im now in the process of my proposal being put forward but still the weekly debt payments...
by
Colin351973
on 06/02/20
I’ve paid about £3000 so far on my iva. I have about £8000 expected equity release and about...
by
gemma685
on 06/02/20
My husband is self employed and we are going through financial crisis at the present where we...
by
julia641
on 06/02/20
Awaiting my IVA proposal and feeling very apprehensive. With everything depending on the 75% it...
by
green
on 06/02/20
Could you please tell me whether a pre-paid debit card is acceptable whilst in an IVA? It would be...
by
jean821
on 06/02/20
Hi everyone! Am now in the process of checking my credit file for mortgage purposes. I have seen one...
by
Jasmin.75
on 05/02/20
I was told I would pay this debt for 5 years yet I near the end term and now they say it’s needs...
by
julie129
on 04/02/20
If you are separated and apply for IVA does it affect your partners credit rating or the home...
by
fabian
on 04/02/20
My Ex-Wife has applied for an IVA. We both own a home together which I'm paying the mortgage on,...
by
neil849
on 04/02/20
This months (January's posts) Post of the month has come around again and there were a few...
by
Foggy
on 04/02/20
Hi all. I have been juggling my debts for a number of years now while also being financially...
by
Exit35
on 04/02/20
Hey all, been a while since I’ve posted, as of today I’m finally in my 3rd year! So 3 more to...
by
MrBT96
on 03/02/20
My brother was sole beneficiary of my late estranged mothers will. He gifted me £40,000 as he knew...
by
tina375
on 03/02/20
I have an IVA but had car accident which wasn’t my fault and will be getting compensation for pain...
by
beverley815
on 03/02/20
I need some advice. I went into insolvency years ago which I believe completed in 2007. I am sure...
by
lenora
on 03/02/20
Hello, I'm almost 2 years 4 months into my IVA and I'm paying £140 a month. My mom offered help to...
by
luki0700
on 02/02/20
Does you Ip check your credit file to check you haven't breached your Iva ?
by
mariana
on 02/02/20
I have had to give my Iva my ppi award which I understand but if those companies hadn’t...
by
carl654
on 02/02/20
I started proceedings for an IVA last week and am on a fact finding mission. I owe 10,815 to four...
by
robin849
on 01/02/20
I have an Iva and a balloon payment for my car of £6500 due in August. I have £1000 I can put...
by
sara523
on 01/02/20
Will my pension lump sum be taken off me while in an IVA? Also will the regular monthly pension be...
by
alice624
on 01/02/20
I have recently found out that my IVA with Aperture is over 6 years instead of 5 which is what I was...
by
john202
on 01/02/20
we are already with an iva company for two years, without any notice etc I was sent a letter stating...
by
alfie228
on 01/02/20
Hi folks well iv just been passed onto an iva company called vanguard in Stockport anyone any...
by
Colin351973
on 31/01/20
Foggy and kallis Thanks for your support I now have in hand my completion certificate Can't...
by
katana2471
on 31/01/20
I am in an iva and my wife has inherent a house. Can they take that from us. It's her house and...
by
gary628
on 30/01/20
Does maintenance loan effect my IVA?
by
andrea455
on 30/01/20
Hi every one im new to all this iva stuff .I'm currentley in the process of applying for an iva...
by
Colin351973
on 30/01/20
I have had a iva for 2 years now, I am expecting a injury claim some point this year after having a...
by
katie584
on 30/01/20
Hi, I took out an IVA about six months ago, I regret doing it, as I'm very worried about when my...
by
paul664
on 30/01/20
I have recently ended a relationship and he owns the house me and my children live in I need to move...
by
l240
on 29/01/20
I finished my IVA in 2015 I was contacted by a firm in 2019 for PPI I may have paid on a egg card in...
by
walter
on 29/01/20
How can I obtain a copy of my IVA letter of completion issued in 1999 but which I no longer possess
by
elsie
on 29/01/20
Hi, My current account currently sits at £3500 overdrawn, I am barely able to make the current...
by
simon927
on 29/01/20
hi I posted the other day regarding default dates on natwest accounts that were included in an IVA...
by
Lisad0239
on 29/01/20
hello I entered into an IVA 4 and half years ago and it will run for a total of 6 years as I could...
by
Rejjy666
on 29/01/20
hello, my partner was in an IVA which finished April 2018, we are in process of applying for a...
by
paige504
on 28/01/20
I haven’t been in and IVA since April Last year and recieved my completition certificate in July....
by
Pigger479
on 28/01/20