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IVA Forum Topics

I’m hoping someone can help. We completed our Iva with Grant Thornton/Aperture just over two...
by paul355 on 08/07/20

I have a Bank Account with HSBC, THat I had long before the IVA, I told HSBC about this to see if...
by spark on 08/07/20

I pay child maintenance through a personal agreement to my ex for one Child. I’ve always known the...
by dan700 on 07/07/20

Hi, I’m 6 months into an IVA totalling 22k. I have several invisible disabilities and health...
by LA68 on 07/07/20

Hello, I had an IVA back in 2008. One of the creditors was HMRC. We were lucky enough to present a...
by Sandy.20 on 07/07/20

I am looking at moving and need a pesky mortgage, I thought would have a look at some of the main...
by Tim24752 on 06/07/20

I’m in a Iva and nearly done my first year, My husband is not included in this we were talking...
by Jessie91 on 05/07/20

Hello Does anyone know whether lump sums from a windup pension scheme could be used to make a full...
by confused on 05/07/20

I get paid weekly, I'm due a annual review on my iva so do I only need to provide 4 wage slips or...
by diane307 on 05/07/20

Hi, Completed my Iva in 2011. Was due to receive a ppi payment from Lombard plc and have been...
by Carl.gi on 05/07/20

We completed our IVA with Grant Thornton/Aperture in July 2013. Since then they have received two...
by judith on 05/07/20

hi i have just finished paying off my IVA can i get a mortgage or do i have to wait till its cleared...
by clive695 on 05/07/20

Hi, I hope some can help me with this. I completed my IVA around 2012 and was then contacted by my...
by blair78 on 05/07/20

I was just wondering if anyone has had a review during lockdown whilst having reduced travel costs...
by Mrs_Brown on 04/07/20

Hi I am expecting an offer of a lump sum from a wind up pension scheme. Would this be classed as a...
by Janetd0176 on 04/07/20

Hi, we completed out IVA in March 2020 and have received our completion certificate. We have been...
by Stephanie.k on 04/07/20

I've just started a new job and the company have a business credit card. They want me as an...
by disneygal on 03/07/20

Hello, I would like to know if I can open a bank account for a non-profit association, if I am in...
by elena546 on 03/07/20

Hi, I'm going through a rough patch like many I guess with partner losing her job. Today I noticed...
by wakeywakey on 03/07/20

Is 25p to a pound good offer for creditors
by Lahoretiger on 01/07/20

So I had a email for my annual review and they email asked me to click on the link, what is does it...
by Lauren1995 on 02/07/20

Hi, I am aware of the basics of a full and final offer (money gifted from a family member). However,...
by TallulahStar on 02/07/20

I have received a significant amount of bank pay awarded from 2017 in my wages this month. I have...
by Tametinn1 on 02/07/20

Good afternoon I have recently started an Iva it’s been going for 3 months now it’s in my...
by george729 on 02/07/20

Can someone clarify the difference between a full and final and a settlement? Should the IP...
by Cupcake08 on 02/07/20

Hi I have just started an IVA I have PIP paid into my bank account which was disregarded as it...
by clare413 on 02/07/20

Hi, I have recently taken out an IVA after officially retiring, my former company has asked me to...
by wolvestone on 01/07/20

Hi, I’m looking for advice for a full and final settlement, currently have £7400 left to pay with...
by Emmad8035 on 01/07/20

I am now fixed into an Iva of a payment of £180 a month for 5 years.. I have had my Iva for around...
by Debtlife on 30/06/20

Hello, i'm new here! I have just had my verification call for our joint IVA. We have been told we...
by NiksIVA on 30/06/20

On Iva program can I get bounce back loan
by paul636 on 29/06/20

I hope someone can help. I owe approx £37k for debts so entered into an IVA, I currently have paid...
by Diesel6976 on 29/06/20

My Iva failed and was cancelled by then Grant Thornton..they sent me letters during my IVA regarding...
by neil629 on 29/06/20

I started an IVA this year. I am due to have a salary increase of around £375 this year and £500...
by tim595 on 29/06/20

Thank you for all you help. Just thought would let you all know recieved my compeltion certificate...
by ashbock123 on 28/06/20

I'm 16 months into a 5 year IVA making payments of £125 for the first 20 months and £150 for 23...
by michelle392 on 28/06/20

Hi - I own a home and have two children. I have no capacity to remortgage. I need to look at a DMP...
by jennifer295 on 27/06/20

Hello, I would like some advise with sending an offer of a lump sum payment for my IVA. I have been...
by helen670 on 27/06/20

I've been asked to fill in an RX1 form for a property I dually own with my partner! He is obviously...
by louise657 on 26/06/20

Do banks check what you have done with there loan money once they get your iva proposal ? when is it...
by Lahoretiger on 25/06/20

I have got my draft iva propsal from stepchange iva after sending it back will creditors email or...
by Lahoretiger on 25/06/20

My IVA agency is asking me to seek child maintenance from my ex partner. They want 60% from the...
by agusia on 24/06/20

Hi I am curious to find out what date of the month do the 3 CRA update the customer credit files. ...
by Flavour79 on 24/06/20

My partner is going through iva on his name no joint debts will this affect my uk nationality...
by Lahoretiger on 24/06/20

Hello I work for the NHS and currently in an IVA with creditfix - I read on the gov website that...
by emily695 on 24/06/20

I have received confirmation from Barclays that I am due a PPI claim of £4,250. But they tell me in...
by danny120 on 24/06/20

Hi, My Full & Final offer was accepted in March 2020, but my IVA's 6 year duration does not end...
by naygirl911 on 24/06/20

Hello 15 months ago i entered into an IVA having a little over £14,000 in debt. Since that time I...
by phillip191 on 23/06/20

i recceved a letter on 24 april 2020 DFD voluntary arrangement { IVA} surplus balance i wont pass on...
by fred727 on 23/06/20

Hi my IP has just presented my IIVA the creditors have given a provisional rejection because they...
by clare413 on 23/06/20

Hello, I am looking to move house as our family is being increased by twins due in October, I have 2...
by hywel151 on 22/06/20

Hi, my IVA was due to finish in April 2020. My IVA was extended by 12 months in lieu of equity...
by ken154 on 22/06/20

Hey all, right so I’m struggling at the moment, as I’ve just gone into partnership with my...
by MrBT96 on 21/06/20

Help, I think I have messed up my IVA. I am 3 and a half years in and requested a payment break due...
by George.98 on 21/06/20

I entered into a IVA a couple of weeks ago and during my run of things going wrong my oven door...
by kath578 on 21/06/20

Hi I’m currently working as an electrician for a company. I would like to go self employed next...
by Steve1993 on 20/06/20

Hi I’m just wondering my mum has offered to pay off a final settlement amount in September on her...
by Toriiehbecca on 20/06/20

Hi, I’m confused over my IVA, I made my last Payment in December 2019 and presumed that was all...
by john636 on 20/06/20

Hi all Anyone had the email about a credit fix app? Anyone done it? Is it good? Useful? Non...
by cbdawg on 20/06/20

Hi guys, well, after 3 years of our IVA , my partner has lost her job due to the corona downturn....
by wakeywakey on 20/06/20

Did you get to keep your car on pcp?
by kelly820 on 20/06/20

Last year i took a personal loan for 20k in jan with natwest Unsecured loan On the application it...
by Lahoretiger on 20/06/20

My husband got accepted for an IVA Oct 2018. We submitted all the paperwork to Inquesta. Next...
by ladymarmite on 19/06/20

My Iva completed in 2018 I did a full and final offer it was accepted etc had cert may 2018 I have...
by Dolls112211 on 19/06/20

My two very young children have been given a cheque by a family member which needs banking asap....
by martha863 on 18/06/20

Currently 9 months in to my IVA .. total 27k paying back at 138 per month as set out in the original...
by richard904 on 18/06/20

Hello, I did a lump sum IVA in April 2019. My husband and I are most likely separating. We have two...
by Bakersue6543 on 18/06/20

Hi how do I cancel the direct debits and reinstate the money I have had taken off me when I dont...
by lisa320 on 18/06/20

If i get an iva i am not in debt with council will it affect my wifes credit history will her name...
by Lahoretiger on 18/06/20

Hi all We’re finally getting to a stage where it’s nearly time to try and release equity to pay...
by laura414 on 16/06/20

Can I take a job in another country and keep paying off my IVA?
by krzysztof142 on 16/06/20

Going through iva was asked to open a new bank account so opend it with halifax mbna are 1 of the...
by Lahoretiger on 16/06/20

Hi, I am with credit fix and on Saturday they rung me, I asked my friend to answer it as i was busy....
by danny252 on 15/06/20

Can taking out an IVA have an effect on social housing applications and private rental searches?
by emma343 on 15/06/20

Hello everyone long time listener first time caller. I'm at odds at the minuet on what to do. ...
by Debtfreedilema on 15/06/20

Hi I get my certificate for finishing my Iva in about 3 weeks (hopefully ) I would like to no how...
by lee778 on 15/06/20

Good morning everyone! Just wanted to let you know that just 18 months after completing our IVA we...
by abbiesmum2003 on 14/06/20

Our Iva was completed and taken off of our credit score in August 2019. Do I need to declare this...
by billy754 on 13/06/20

Basically I’ve got a breach On my account which is currently being delt with however my in-laws...
by hannah920 on 13/06/20

Hi My husband is in the process of doing an iva,I am in the process of doing a debt relief...
by lisa536 on 12/06/20

Hi, I’m nearly 2 years into my Iva and my monthly payments have been £100 a month, part of my Iva...
by Vicklaaa on 11/06/20

I have done Full and final IVA, all payments are done last year in september 2019. I am waiting for...
by mike129 on 11/06/20

I'm in a IVA currently with EE and wanting to switch to Sky mobile when the contract runs our, does...
by polelcfc on 11/06/20

Hi all, I've been lurking a while and have been helped by plenty of posts and replies, thank you. My...
by RunnerffirG on 10/06/20

My account number is FDM69903 I have been waiting for my ppi to be resolved since last August and as...
by lorraine318 on 10/06/20

I have debts around £43k with 7 creditors. I also have a HP on my car and paying just the interest...
by peter263 on 10/06/20

Hi we have made a settlement offer which cover the remaining payments from my wifes redundancy. The...
by Ayd on 09/06/20

Worried to the hilt, again. I've been with the same company for over 20 years in a managerial...
by brian387 on 09/06/20

Just in to year 5 on my IVA and have received a letter regarding equity release, I had the usual...
by Tab on 09/06/20

I have a business account with Tide, the business been running since summer 2019, I am on IVA. Can...
by muhammed on 08/06/20

I have around 28k debt and was told I could do an IVA until they discovered that I had debt with...
by stuart450 on 08/06/20

Hello all, I have had some great news recently after my IVA was settled this week I received my...
by CarlosG on 06/06/20

I have a question about making a full and final payment to end my IVA early My IVA is through...
by dgraffham on 06/06/20

Hi. I am in an IVA and I want to get a bounce back loan, my IVA practitioner said they permitted me...
by Criscann1986 on 05/06/20

Guess what ....? This months (May's posts) Post of the Month has come around again and the winner...
by Foggy on 05/06/20

My holiday is paid in the my wages by means of a extra £1 per hour so I’m paid 8.72 p/hr plus £1...
by samuel on 04/06/20

I just realised I have just made payment no 30! I am half way, even though it only feels like 3...
by Mrs_Brown on 04/06/20

Hi I am on an IVA there is a year left I have got a email saying that all my accounts have now been...
by daniel648 on 04/06/20

Hi, I started my IVA 2 and a half years ago, I have recently been struggling paying my Mobile phone...
by Pokemon1996 on 04/06/20

hi we started our IVA in 2012 finishing in 2017 we have just sold our home to downsize not having...
by stephen821 on 03/06/20