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IVA Forum Topics
Is it possible to get a Help To Buy mortgage while you are in an IVA agreement?
I started the IVA in January 2017 so am nearly 2 years in! Is it 6 years the IVA stays on file for? ...
by
ashlea
on 14/11/18
What would be an appropriate amount to offer as a full and final IVA settlement
Hi my IVA is due to end in April 19 however we had an 8 month break while my wife was pregnant so it...
by
Sean.79
on 14/11/18
Cashback
Hi all!
Quick question, I've used topcashback to upgrade my phone contract, as well as a few other ...
by
r0bs0n
on 13/11/18
Can I cancel my IVA and go with another company?
I'm already in an IVA and have been for about 4 months am I able to cancel my IVA and go to anot...
by
christopher514
on 13/11/18
Should my IP still be an interested party in relation to PPI claims
Hi
I had an IVA which failed back in Feb 2010 with Grant Thornton. I dealt with all my creditors my...
by
karen992
on 13/11/18
Questions about IVA annual review
So many questions.
Sorry about all of my questions, I am so anxious about my annual review just wan...
by
paddington1
on 13/11/18
Can childcare costs be included in IVA expenses
Childcare costs.
Just looking through my income and expenditure figures which were produced in Feb...
by
paddington1
on 13/11/18
Can I get car finance once my IVA completes
IVA finishing in DEC 18: Am I allowed to get car finance for a small motor.thanks
by
james411
on 13/11/18
Trying to rent
Good evening,
I’ve been in my IVA for about a year now( I pay 140 a month) . I’m currently looki...
by
liam260
on 12/11/18
Partners overtime....why wasn’t it included?
Partners overtime....why wasnt my partners overtime included in original income calculations. Im in ...
by
paddington1
on 12/11/18
Annual review with Creditfix
Creditfix annual online review in single iva
I just wondered if anyone has done the online review ...
by
paddington1
on 12/11/18
Why are Barclays still contacting me?
I was in an IVA and made an offer in full and final settlement which was accepted and the funds paid...
by
Rebecca.h
on 12/11/18
Aperture IVA Closure
Hi
I was previously with debt free direct but aperture took over the Iva.
My last payment was in F...
by
Mullen13
on 12/11/18
Creditfix annual review - sorry
I appreciate this has probably been asked before.
I am approaching my two year iva anniversary in ...
by
Leigh.p
on 12/11/18
Does an IVA affect a visa application for Australia
Good morning.
Can you please tell me if having an IVA would affect your visa application for emigr...
by
val609
on 12/11/18
Very old IVA and PPI
Hello, It’s been a very long time since I was last here. I completed a F&F IVA back in 2007. I ...
by
whichwaynow
on 11/11/18
What happens if my direct debit has failed?
What happens if my direct debit has failed this month
by
kelly728
on 11/11/18
Options for a friend??
My friend is a single parent of 3 children (10,8 and newborn).
She is about half way through an iva ...
by
abbiesmum2003
on 10/11/18
IVA protection?
My wife is mid process with her IVA application following the loss of our business due to ex landlo...
by
mathew
on 10/11/18
Will my payments go up?
Hi wonder if you can help me I was unable to release from my property on the 5th year so I will cont...
by
sam666
on 09/11/18
Can a creditor claim a payment during an IVA?
HI
I have just been contacted by one of my creditors who were listed on my IVA application . They...
by
ange
on 09/11/18
Using PPI to pay off IVA?
I am 4 and half years into my IVA, a total of £3500 or there about left to pay on my IVA. I have jus...
by
chloe
on 09/11/18
F&F Adjourned - AGAIN!
Hi Guys,
So due to a death in the family - my father has offered the full amount I stil owe (£5,880)...
by
katieweeks1
on 09/11/18
Housing association house
Can an housing association not give me a house for me and my 12 yr old son if I have an IVA?
by
adele739
on 09/11/18
Mis sold mortgage
Hi
I have previously written that I am about to complete IVA but my IVA comp injuriesany appointed ...
by
Sally.k
on 09/11/18
Nervous about spending
i have been in an iva for 3 months and am worried when my review comes round, because if am withdraw...
by
dorothy245
on 09/11/18
Post IVA mortgage question
Hi there everyone.
I have a question about mortgages post iva. I have come across a shared ownershi...
by
katie244
on 08/11/18
First annual review
Anyone else feel extremely nervous about first annual review?
Been in an IVA for almost a year with...
by
Gouldy
on 08/11/18
Sproat Early Settlement Loan
My Husband is currently in year three of an 6yr IVA with Aperture.
He has been offered an Sproat ...
by
christine
on 08/11/18
Car Insurance on credit file
Hi
Since my IVA ended I have been gradually increasing my credit score and cleaning up my credit fil...
by
jayne270
on 08/11/18
Aperture
I am gutted despite being told if I made my last payment of nearly £700.
I have just received an em...
by
Chappie
on 08/11/18
Missold mortgage claim whilst in an IVA
Hi,
I am about to complete my IVA and there is a mis sold mortgage claim to be proceed. After the ...
by
Sally.k
on 08/11/18
Getting a car on finance whilst in an IVA
How can IVA affect me in getting a new car finance with car finance company?
by
rubelyn
on 08/11/18
No completion yet
I have paid off my iva in march with aperrure and was told it would take 6 months to sort out it has...
by
mark252
on 07/11/18
I'm about to sell my house .....
I'm about to sell my house although I currently have an IVA. I waited a very long time but final...
by
sam161
on 07/11/18
Creditors meeting tomorrow, bank accounts have already been closed?
I have my creditors meeting tomorrow at 10am (have managed to not get too anxious about it but nerve...
by
Cdawson1
on 07/11/18
Aperture
Hi
I made my final payment in September. I was assured that my case would be sent to the completions...
by
Chappie
on 07/11/18
Review
Had my first review form through from Stepchange on Monday. I got a text with a password then a few ...
by
Mrs_Brown
on 07/11/18
Help to Buy Mortgages
As this is a hot topic, with quite a few enquiries on the forum in recent months, I thought I would ...
by
Foggy
on 07/11/18
When can I remortgage post IVA
Hi i completed my iva in september this year and it will come off my credit file in june 2019 i need...
by
Kerrybecka
on 07/11/18
Can I do a salary sacrifice for a car whilst in an IVA
I started on an iva last month, I was wondering can I do a salary sacrifice scheme at work for a car...
by
Starburst1978
on 07/11/18
Unsure who to go with for IVA
Hello,
I put my info into the Nationaldebt helpline website and got a call almost immediately after...
by
Webbmaster316
on 07/11/18
Completion certificate
Hello one and all.
I made my final 60th payment to my IVA on the 1st October this year, my Iva prac...
by
Mattacks1957
on 07/11/18
Post of the Month
Hi All,
That time has come around again, here is the Post of the Month! Bit late this month, for ...
by
Foggy
on 07/11/18
New to all this!
I have read pages and pages of threads on here and it’s been incredibly helpful so far. I am in the ...
by
Everest
on 07/11/18
Full and Final settlement
Hello, I’m currently in an IVA and have done for 2 years now. I was £13,000 in debt and paid off £68...
by
ilx_smithy123
on 07/11/18
Do I need permission from ex to cancel Iva?
Do I need permission from ex to cancel an entwined Iva?
by
cara
on 06/11/18
Certificate of completion
hi ive been in a iva for five years, my last payment was paid on the 1 st of aug 2018, how long shou...
by
michael814
on 06/11/18
Implications of lending friend money to clear IVA
Hi
I am thinking of lending my friend an amount so he can clear his IVA
Are there any financia...
by
s
on 06/11/18
Credit card debt added to my credit report
Good evening
Having been approved my Iva in 2008 and finalised in 2014 with the help of Melanie Gi...
by
john398
on 06/11/18
Official complaint worthwhile?
An Insolvency Company submitted an IVA proposal on my behalf which has been rejected three times due...
by
janine968
on 06/11/18
So I'm in a single iva with a joint bank account
So im in a single iva. I share a bank account joint account with my husband who isnt in an iva
So ...
by
paddington1
on 06/11/18
Annual review
Currently with creditfix. On income and expenditure gives my husband who isnt part of the iva a debt...
by
paddington1
on 06/11/18
Advice on updating credit report where creditor has gone into liquidation
Hi all,
Looking for some urgent help. Me and my wife officially finished our IVA in August 2018 whi...
by
kelsus
on 06/11/18
Finally I can breath!!!
At last I got the ‘congratulations Mrs Robinson your offer has been excepted :D
I was nearly in te...
by
Bex12
on 06/11/18
Creditfix annual review requested months early early because.....
"We now have so many customers"
Really!
Well having completed the AR back in April thi...
by
jonathah
on 06/11/18
Barclays Not As Helpful
Any had much experience getting Barclays to update the credit agencies in a timely manner? Had a few...
by
GoonerDad
on 06/11/18
Windfall and IVA shortening?
Hello all
Looking a little bit of help. I have had my IVA for 6 months now and paying in variable a...
by
IvaIn2018
on 06/11/18
Barclays Current Account
Hi new to this
Considering an IVA but what happens to your long running current account if you enter...
by
kirstiehutch
on 06/11/18
F&F meeting today at noon!!!
Hi all hope you all are well?
Well my second F and F meeting is today this has been going on since ...
by
Bex12
on 06/11/18
Lower settlement offer?
I have a 5 year iva with option of 1 year
a family member as said they will pay of iva
I have a...
by
Danieldw54
on 06/11/18
New job!!
I have applied for a new role at work, which would mean a small increase in base salary. But a chang...
by
Itsallouttherenow
on 05/11/18
Increasing monthly payments to allow F&F offer?
I have asked my IVA management co. To propose a final offer to my creditors and they have come back ...
by
Mikeymayhem
on 05/11/18
Full & Final
Hello,
Could I have some advise please on offering a full & final settlement to clear the debt ...
by
Shelly30
on 05/11/18
Would I be better with DMP?
I have had a quote for an IVA of debts of 32,000 and the costs are about £6,000 I think I will be be...
by
michael963
on 05/11/18
What is normally asked at an annual review
Annual review questions
by
paddington1
on 05/11/18
Increase of income whilst in IVA
Hi there, I entered into an IVA two and a half years ago. Shortly afterwards my disabled son was awa...
by
InAMess47
on 05/11/18
Redundancy and discrepancy
My circumstances keep changing so fast I am getting whiplash. My husband has just been made redundan...
by
formidablelady
on 04/11/18
Can I go to the Bingo?!
Hi!
A group of school mums are going to the bingo for a birthday celebration. We've been online to r...
by
Itsallouttherenow
on 04/11/18
What is entailed with the last
My last IVA review
by
kathryn222
on 04/11/18
Joint account problem
I'm in Iva and forgot I had a joint account with my husband I haven't used that account for ...
by
sara485
on 03/11/18
Can I save my house?
I have a house worth of 350000.00 the mortgage is about 150000.00 and a charge put by husband for an...
by
anthony105
on 03/11/18
IVA cancelled
I have recently become temporary homeless and haven't been able to keep up with iva payments . ...
by
chris457
on 03/11/18
Defaults from Natwest
Hi all my last IVA payment is the end of this month, so I have been having a look at my credit file,...
by
downandout
on 02/11/18
Looking at an IVA
I'm looking at an IVA as an option to pay around 50k of debts off, mainly credit card/loans over...
by
ross487
on 02/11/18
Old IVA with Debt Free Direct
Hi
I started an IVA in 2009 with DFD. I called them to say i couldn't keep up payments in 2011 ...
by
rachel593
on 02/11/18
So Close I can Taste It
So I have hopefully made my final payment to my IVA which started with Simple Debt Solutions and was...
by
Waitingforship
on 01/11/18
iva rescinded
if iva has been rescinded will my name now come off the insolvency register? and what will happen to...
by
dennis
on 01/11/18
Season Ticket Loan
Hi, I am thinking of applying for season Ticket loan provided by my employer to buy an annual bus pa...
by
ediunia82
on 01/11/18
Problems with RBS
Hi
I'm having a battle with RBS. I had 2 accounts with them in the past. 1 personal loan and 1 ...
by
vee975
on 01/11/18
In process of starting an IVA- Stressful
Hello,
I am still in the process of starting the IVA. I have provided bank statements and payslips ...
by
Bubbly
on 01/11/18
Can I pay off my sons IVA?
My son has an IVA, can I offer him the money to clear this completely? Or can you tell me does he p...
by
gillian371
on 01/11/18
Considering IVA, need advice please!!
Hi there,
I am considering an IVA as I have large debts and am struggling, but I have some complica...
by
Ruthie78
on 01/11/18
When do i have the right to cancel my IVA?
When do i have the right to cancel my iva
by
alison904
on 01/11/18
Hi Foggy
Hi foggy. I entered into an iva in 2015 May due to losing my job. I made a full and final payment la...
by
funke
on 01/11/18
How can I get paperwork for a completed IVA?
I started in IVA in 2005 and think I completed in 2008 when I remortgaged and offered a lump sum pay...
by
janet529
on 31/10/18
Will I be able to open a business account while in an IVA
can I open a business bank account
by
harpal
on 31/10/18
If we inherited property could we lose it in an IVA?
ho be and husbands have 18000 debts were r thinking of iva but my father is going to inherited us th...
by
marina
on 31/10/18
How much are you monitored whilst in an IVA?
Hi there.
I am in over £70k of debt accumulated from various means including a failed business.
...
by
katie924
on 31/10/18
Any chance of a mortgage?
Hi I am in my 2nd year of an IVA and it looks as though our family will be expanding. We live in a s...
by
lauren816
on 30/10/18
Number for Debt Free Direct?
Hi, my mum has a Iva with debt free direct . It should of finished 22/09/ 2018 but a payment has bee...
by
janr
on 30/10/18
PPI claim going back 22 years
I was in an Iva 10 years ago completed 5 years ago but I have just been told I have a ppi claim goin...
by
susan838
on 29/10/18
Chairman’s report compared to completion certificate
I have x amount of debts listed on my chairman’s report. I did a F&F settlement a couple of mont...
by
Nikl
on 29/10/18
Full and final payment and annual reviews
If you offer a final payment from a 3rd party, Do you have to provide your IVA company with an annua...
by
gemma302
on 29/10/18
PPI entitlement
My Iva was completed in 2016 and I received the completion certificate.. I paid back 100 pence in th...
by
Jilld7276
on 28/10/18
Advice needed, extra debts. HELP!
We paid our last IVA payment 2 years ago January but hasn't completed yet due to outstanding PPI cl...
by
dcushion
on 27/10/18
Damage payout on car
I will soon be getting a criminal damage pay out for damage to my car. Would a I.v.a. company be abl...
by
martin163
on 26/10/18
My orig OD became joint. I am in iva, is my wife liable for it?
I had an overdraft of £500 with HSBC in my name only after a number of years we decided to make this...
by
alan359
on 26/10/18
Credit file help
Hi guys, just wanted some information, i started a dmp in august 2010 to sept 2012 when it changed ...
by
Diane.65
on 26/10/18
Would PPI claim money go to IP?
Hello everyone
I have 3 more payments left till IVA is completed which is great.
Has anyone recent...
by
Matt.rs
on 26/10/18