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IVA Forum Topics

looking to replace my wifes car, we are in an interlocking IVA. The care is 8 years old and is...
by adam355 on 07/05/21

I’ve spoke to Giraffe money yesterday and they said that they will deal with me from the start to...
by beata on 07/05/21

I just want to say a massive thank you to everyone on this forum. I have just had my IVA accepted...
by flipflop105 on 06/05/21

Hi Guys, I’m now over 3 yrs into my IVA and I have a glimmer of hope to end it early as my Boss...
by Bigdebts on 06/05/21

CreditFix. Currently been in an IVA for 8 months paying £100 per month. Full settlement Balance...
by Missv on 05/05/21

Imp splitting up with my partner will I be able to rent / part buy at all now im looking for...
by amanda763 on 05/05/21

I need a copy of my IVA completion certificate but Aperture have ceased to be as far as I know and...
by amanda448 on 05/05/21

https://www.moneysavingexpert.com/news/2021/05/debt-crisis-breathing-space-mental-health/
by kallis3 on 05/05/21

Did anyone heard about Giraffe money (Iva company) and have, had any experience with them?
by beata on 05/05/21

Mortgage help: Hi Ryan, I'm looking for some guidance regarding obtaining a mortgage after...
by DJ92 on 04/05/21

Currently a hypothetical question but if via equity release you finish IVA at year 5 and receive...
by Cupcake08 on 04/05/21

Hey! I am due my first annual review for my IVA with Financial Support Systems in the next couple...
by daisies on 04/05/21

I'm having problems with ebengate ..how do I find out whom is there governing body ?....who could...
by lindsey924 on 04/05/21

Hi I am in a iva I have a pcp with Arnold Clark I've had my car for 2 years can I change my car for...
by melissa990 on 04/05/21

I just checked my bank (a daily habit, I am aghast when anyone says they don't check their account...
by Mrs_Brown on 04/05/21

The principle beyond a Full & Final IVA Good afternoon all I would like some advice, With the...
by dave447 on 04/05/21

I have just completed my IVA. A company (IDRWW) that addeda debt to my IVA from overseas (2008),...
by mark987 on 04/05/21

My IVA agreement says that I need to obtain child maintenance from my ex partner. I was trying to...
by agusia on 04/05/21

I have recently been taking care of a family’s friend relative as they are unwell , I did this...
by lauren923 on 04/05/21

Hi All, That time has come around again, it's Post of the Month This time we are going for not so...
by Foggy on 04/05/21

Hello, I am currently debating on wether to enter into an IVA but I am worried about what will...
by rachel637 on 04/05/21

Me and my partner and 2 kids have been in a iva for 4 years we started monthly payments off £184...
by dan844 on 04/05/21

Hello, my brother is currently in year 6 of his IVA and due to finish in November this year. It was...
by Slekclarke on 03/05/21

Hello I’ve just taken out a Iva and just doing some researching is it possible if my partner had a...
by rebecca789 on 03/05/21

Hi, So thankfully my 6years on my IVA is nearly complete, was a lump sum agreement. However I...
by wayne106 on 03/05/21

I just started a new job last week and it’s now 4 weekly pay not monthly like my old job was. I...
by Jessie91 on 03/05/21

I entered my IVA in November 2020. I have a friend who is offering to gift me the lump sum, I pay...
by bobbie on 02/05/21

I currently pay £308 a month toward my IVA. My yearly review was September 2018 at a time when gyms...
by gemma685 on 01/05/21

Hi All, My IVA with CredfitFix is almost over as far as I'm concerned as my credit report now shows...
by couton on 01/05/21

Still getting phone calls from various debt collection companies 2 month after receiving my...
by alan150 on 01/05/21

Im thinking to apply for IVA. If my children have money in trust account, will this affect anything...
by barbara154 on 01/05/21

I have been in an iva for 4 years my payments started at 184 and have gone up over the years paying...
by dan844 on 01/05/21

I have a car on leas and have 2 months left to pay, then a balloon payment. This was explained to...
by gavin156 on 30/04/21

Hello, my name is mark xxxxxx Few years ago around 8years approximately i and my girlfriend at the...
by mark456 on 30/04/21

My landlord is selling the house me and my 3 kids live in. I have an IVA which ends in August this...
by tracy282 on 29/04/21

If I am in an IVA can my partner get a loan
by gary913 on 29/04/21

Hi all, I am currently in an IVA with Stepchange which is due to finish in February 2022 but I’ve...
by Beth2022 on 28/04/21

Hello, can i apply for an IVA in UK if i no longer live in UK?
by sandrinio on 28/04/21

Hello, My partner is buying a house and was hoping to put my name on the mortgage. The full deposit...
by ebonee on 28/04/21

Hi there I have question I recently closed my bank account after 2 month after the Iva as the...
by didi.borisova7 on 28/04/21

Hi, I am looking to move out with my partner and we thought about shared ownership but I’m just...
by vicki762 on 27/04/21

I am an accountant acting for an elderly couple (aged 76) in an IVA. The wife has cancer and the...
by paul702 on 27/04/21

Hi I have searched forum first and can see CRAs a law unto themselves Key dates 26.10.18 entered...
by Marmite on 27/04/21

I have just received a letter from DCBL Runcorn for an alleged parking fine on 7th June 2018 for...
by judith499 on 26/04/21

Hello I just wanted to let you know my full and final iva was paid very recently so all I am...
by Jellybeans on 26/04/21

can you tell me more about cva
by allan on 25/04/21

Have joint Iva pay 110 per month. Wife has multi myeloma and receives max attendance allowance of...
by david982 on 25/04/21

Morning, We are currently in an IVA and have offered a Full and final, which we should hear the...
by stacey966 on 25/04/21

My IVA was completed In January this year I ended it 14 months early after my full and final offer...
by stu1970 on 25/04/21

Hey guys, On what’s has been quite a stressful few weeks ( I had a stroke but hopefully on the...
by T9UPS on 25/04/21

Hi, I would like some advice on my current mortgage situation please. I currently have a mortgage...
by Craigdoo007 on 24/04/21

I might have to go into IVA. How my day to day life would look like (from financial point of view)....
by barbara154 on 24/04/21

Hi all, Before I contact my IVA Supervisor for exhortation I figured I would look for guidance on...
by tobacare on 24/04/21

Hi, my IVA should finish in May but I believe it will go on for another 12 months because of equity...
by Phoenix11 on 23/04/21

Hello there. We complete our Iva after 6 years in January 2022 What our the chances of us been...
by bev205 on 23/04/21

Hi, I’m wondering if I have good grounds to complain. First of all the way they valued my assets...
by amit919 on 23/04/21

Needlessly stressful. Now in month 59, have previously provided 2 mortgage redemption statements...
by Cupcake08 on 23/04/21

Just got my completion certificate after a F&F was accepted on 18 March, I was expecting it being...
by Kaybee on 22/04/21

Hi all, I agreed to an IVA in 2017 which valued my IVA at £7740, and was agreed to by my creditors....
by ccgunns on 22/04/21

We are in the 1st year of the IVA, not really working as monthly budgets are worked out over 12 pay...
by jamie584 on 22/04/21

Hi all, First time posting but interested to see what people think about my offer and the...
by zalorick on 21/04/21

Aperture Trusts has recently joined the forum and I would just like to re-post, here, part of their...
by Foggy on 20/04/21

I had an IVA with Mitchell and Farrar, between 2012 and 2015, I am seeking my file, as they had...
by ms on 19/04/21

Hi, Just wondering if anyone has had a similar experience or if the experts can shed some light,...
by bbk15 on 19/04/21

My son took out an IVA as he had debts of £8695 which he was unable to pay back. The total...
by robin726 on 19/04/21

This past year has been a massive struggle and my employer made me take a four month wage reduction...
by laura414 on 17/04/21

Hi everyone I'm wondering if any of you could tell me how one off grants for covid is treated in an...
by Trying 2 on 17/04/21

I have a few complaints against my IP and wondering about what I can do. It seems that once you...
by jman369 on 16/04/21

Hi wondering if anyone can help. Myself and ex husband had ivas that started in 2008 ended in 2013....
by sarah737 on 16/04/21

Hello everyone. I have just completed my 4. Annual review and so glad that it has been going...
by Oya on 16/04/21

Hi, I am in the first year of my IVA, had no issues so far but I am so concerned at the moment and...
by jessfacehunt on 16/04/21

Hi, I put in a full and final offer to my IVA company on March 8th. I’ve had to chase them and...
by Deltamonkey on 15/04/21

Hi I had an IVA in 2010 and completed successfully in 2016. I am now applying for jobs in financial...
by B.18 on 15/04/21

Hi there, so I recently got approved for an iva a month ago. With forgetfulness and stupidity I...
by bazz on 15/04/21

I had an iva which has been settled for at least 4 years I have just found out from the land...
by david943 on 14/04/21

I have been in my IVA for 2 years, I have recently had a change in circumstances- my step son is now...
by kerry158 on 14/04/21

We made our final payment on our 7 year IVA in July 2020, we have had several IP's including, Grant...
by fiona594 on 14/04/21

Hi, I took out an IVA in August 2020, £32k debt, reduced to £12,000.00 over 60 months = £200.00...
by LutonStudent on 14/04/21

I have just entered an IVA and the more I read about it the more stressed and upset I am getting, me...
by vicki762 on 14/04/21

I am in my 2nd year of an Iva with credit fix first yearly review last September went fine I...
by lisa517 on 13/04/21

Good Evening, Thank you to all those that have asked questions and contributed - it's put my mind...
by pjim on 12/04/21

I am desperate for a copy of my IVA closing certificate as I have lost mine, I can’t log in for...
by james266 on 12/04/21

Hello, I’m currently in the process of going through an IVA with the creditors meeting being held...
by louisa813 on 12/04/21

Hi, I’m looking for some advice about what a full and final offer should be. I currently still owe...
by andrew349 on 12/04/21

Hi There, i want to terminate my IVA early.
by sud on 12/04/21

Due to covid-19 my new business I set up in February 2020 as not gone to plan I currently have...
by P-H4 on 12/04/21

Just applied for a new position. It asks whether you have been guilty of a civil offence. Also could...
by Lightbulb on 11/04/21

I am looking to offer a full and final settlement towards my IVA. I currently owe 32 months of...
by scott740 on 11/04/21

Can I take mortgage payment holiday during IVA But this would increase mortgage payment
by rosepetal1 on 10/04/21

i have a mobility car which is paid by my pip. if i go on a iva or bankrupcy would this affect me...
by nigel902 on 09/04/21

I married 3 years after starting my iva, my partner doesn't know that i have an iva. Do i need to...
by clara on 09/04/21

My mom has offered to pay off my IVA as she didn’t know I was in debt. My Nan is ill and my mom is...
by k on 09/04/21

Hi I was in an IVA from 2010 until 2015 that I paid off over 75% of my dept how ever there was a...
by robert369 on 09/04/21

Hi all hope you are well .Recentley had my review with ebenegate who increased my payments from 353...
by Colin351973 on 09/04/21

I am a first time buyer. End of this month we are due to complete the transcation and completion. I...
by diljayakody1805 on 09/04/21

I have received business grants but also I am on an IVA air will this affect my IVA will I have it...
by lucyanne on 09/04/21

I need a car but am in a IVA due to being a contractor and doing a lot of mileage. I worried about...
by Jag Bola on 08/04/21

I have an IVA I might be made redundant how much money could I keep to pay my bills before I need...
by lynn200 on 08/04/21

My IVA started in May 2018 and in June of last year I decided to take part in a salary exchange...
by rhythmb on 08/04/21

If I have for example £100 budget for petrol and £200 for food and household goods and I only...
by Zebra555 on 07/04/21