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IVA Forum Topics

Late last year, after the completion of my six year IVA, I complained to Hoist Portfolio...
by SteveUK on 19/09/19

Hi,my husband and I are in our sixth year of our IVA..the house was valued last year and as we could...
by Nic68 on 19/09/19

I recently completed our first yearly review, and the process wasn't even half as traumatic as I had...
by Rlh1994 on 18/09/19

Individual Voluntary Arrangement (IVA)
by Moses007 on 18/09/19

I had an IVA commence on 27th December 2013. I was discharged from the IVA on the 3rd November 2014...
by ryan231 on 18/09/19

My husband and I have a joint IVA. I need a new car (mine is 10 years old, worth £300 max, on its...
by anna912 on 17/09/19

4 and a half years into iva and now being asked to release equity. I have paid in monthly and the...
by SillyMark on 17/09/19

Hi thought I would post just to let everyone Know my f&f was excepted today I have been in a Iva...
by katana2471 on 17/09/19

Hi, I've entered in an IVA in 2013 but failed after a few months as they were asking me for more...
by beth on 17/09/19

Hi, I have received a statement from Ace requesting payment for something I have never ordered. I...
by taylor941 on 17/09/19

Hi all, Would I be able to get a decision in principle while still on iva register. Drops off...
by AL28 on 17/09/19

Ive been waiting an age for my ex partner's iva to end so i can move on with my life. She lives in...
by martin492 on 17/09/19

Hi, what is the maximum amount of cash I can pay into my bank account, without a penalty. I ask this...
by paul914 on 17/09/19

I have been enquiring with Creditfix to try and get an idea if I will have to release equity on my...
by Dinnynat on 17/09/19

Hi again everyone! In June, Aperture requested for Income & expenditure review, which I sent, then...
by Jasmin.75 on 17/09/19

I have just been informed by letter that my mortgage equity release in month 54 has been rejected,...
by Oakley1 on 16/09/19

An IVA is an agreement that is made with your creditors to pay off your debts over a set period of...
by jhonpaul12 on 16/09/19

So hey all! Hope we are all well :) so basically I’m in my Iva and I’m a year in. So 4 years...
by MrBT96 on 15/09/19

A family member has offered a lump sum to help me settle my Iva. They have written to him and...
by leigh895 on 15/09/19

I am going to need to enter an IVA or declare myself bankrupt. I have high debts and my income has...
by dsyork on 15/09/19

Regarding Max Recovery, I am reading a lot of good posts about them but they seem to be sticking it...
by Phoenix11 on 15/09/19

Hello I’m currently looking for a place to rent at the moment with my partner, but the thing is we...
by Rachelola23 on 15/09/19

Hi, I came clean to my husband this week about the level of debt I have and after putting it all on...
by Bethlouise on 15/09/19

Hi I have my completion certificate and credit files are clear, still on register until end of...
by Allywally on 14/09/19

I've just contacted my IVA co to ask about an early settlement based on my ex offering to buy my...
by JustPlainStupid on 14/09/19

Just in the process of starting an iva How long does it take from agreeing to let them contact the...
by Clairebear on 13/09/19

Hi I have a problem with my IVA company. Basically it was agreed that i sell my house to pay 100% of...
by warren530 on 13/09/19

Hi All Complete newbie to the forum but I desperately need some support! Long story short - Started...
by Vicky81 on 12/09/19

Hi All, I first posted on here about 7 years ago, when I was completely skint, neck deep & rising in...
by TotalMoron on 12/09/19

Hi, I just wondered I am coming upto my first annual review. I have a lifetime ISA which currently...
by kyle197 on 12/09/19

Hi, i am renting at present. If i was to move into a house share that came with certain bills paid...
by nigel304 on 12/09/19

Hi, I offered to gift a lump sum to my partner to settle her IVA which was accepted. I placed a...
by lloyd434 on 12/09/19

While in an IVA, if I received a substantial salary increase or bonus, the terms state that my...
by mel990 on 11/09/19

Hi Ime in a IVA and have 12 mth to go i have recently had a letter saying based on information there...
by tracypurvis on 11/09/19

Hi, my IVA was completed in 2016, I have been trying to rebuild my credit score so that I can...
by michelle916 on 11/09/19

Anyone with freeman jones know how many months worth of payslips/bank statements they ask for at the...
by bianca on 11/09/19

I have a touring caravan but I want/need to enter IVA to clear my debts, will they make me sell it?...
by terry819 on 11/09/19

Hi, If I get an IVA will it need to involve my husband?
by louise618 on 11/09/19

I have an existing iva agreed in 2016 £12,000 which i have been paying £200 per month. I thought...
by kathryn453 on 11/09/19

Hi, I have been considering an Iva for a while as me and my wife have racked up a lot of debt. There...
by mark343 on 11/09/19

Hi, I have seen advertised a company called sprout loans that offer a way to get out of your IVA...
by George.98 on 10/09/19

I have a debt with barclaycard. Want to clear it with an iva. Will barclay S freeze my account
by richard661 on 10/09/19

Hi, I opened an Iva with creditfix last month and this month was my first payment.. when setting up...
by LeeRogers84 on 10/09/19

do i have to send copies of bank accounts they have proof of income?
by Sandra.11 on 10/09/19

I've spent the last 10-15 years struggling with credit card debt, and have finally decided that...
by ian480 on 10/09/19

Hi all StepChange has advised I contact my creditors about the IVA and tell them that I have been...
by 19ryanh93 on 10/09/19

Hi I moved in with my boyfriend and my annual review is due I will be telling them of the changes...
by corrine on 09/09/19

I finished my iva 2 months ago. Now I am getting letters from LC Asset Sàrl saying they have bought...
by Shell5271 on 09/09/19

Hi.... I need to write a covering letter to the insolvency service to remove my IVA from the...
by marcus472 on 09/09/19

I have been searching this forum but I can't seem to find any prior threads about this. I have been...
by Nikl on 09/09/19

I finished my IVA September 2018 after taking it out September 2017(F&F). Some defaults are still...
by Nikl on 09/09/19

Hi I would appreciate if you could give me some advice. I settled my Iva July this year. It is due...
by anthony795 on 09/09/19

Hi my mum is in an IVA for three 3 years now with CF and they have just asked for her p60 and pay...
by kate676 on 09/09/19

Hi We are with Freeman Jones previously HB for our IVA and our last payment was made on the 1st...
by Clarky27 on 08/09/19

I’ve been in my IVA for a year. Our total amount of debt in the IVA is £20000 and over the course...
by gemma685 on 08/09/19

I received an email from Aperture titled former DFD Iva saying the closed Iva came to them on 2017...
by Kel9091 on 08/09/19

I've been in a iva for 3yrs and just had to pay some inheritance into the iva which I've asked if...
by Zippy6971 on 07/09/19

Previous thread: https://www.iva.co.uk/forum/f-f-offer-advice-please-t87869 tl:dr IVA started...
by Marty171 on 07/09/19

Hi All My lodger has just moved out. I need a review to adjust my payments as they take this into...
by cbdawg on 07/09/19

i failed my iva 5 years then went bankrupt what would happen to a windfall if i received one
by jayne.64 on 06/09/19

Hi, I have completed 2 years of my IVA arrangement, I pay £144 a month and have 4 years left, my...
by middle458 on 06/09/19

I am currently looking at entering an IVA through step change as our circumstances are due to change...
by lucy106 on 06/09/19

Hi I am concerned I have got advice from an Iva provider about my debts and they feel an Iva is the...
by mike709 on 06/09/19

Hello! I have recently entered into an IVA with Freeman Jones. All creditors have stopped taking...
by emma956 on 06/09/19

Hi Does anyone have the mailing address or email for the data controllers at: Bank of Ireland (...
by Flavour79 on 06/09/19

Hi, I have recently split with my partner. I have a son who I will have 50/50 care of. I've been...
by Londonchris on 06/09/19

Checked my credit score today as I now do religiously as looking to get a mortgage at the end of the...
by AL28 on 05/09/19

Hey guy long time since I’ve been on here due to family issues but anyway my Iva 2nd payment is...
by Lauren1995 on 05/09/19

How can I obtain a copy of my IVA certificate? It is many years ago and I can't remember who the...
by tracey713 on 04/09/19

How do the IVA companies calculate how much you have to pay the creditors from your monthly wage
by ray582 on 04/09/19

My iva has been terminated with creditfix. Can I apply to other companies. I have not paid for a...
by paul383 on 04/09/19

Hello, I was wondering if I could get some guidence. I have 28 months left of my IVA and pay...
by casey on 04/09/19

My current IVA company are in the process of transferring my IVA to another company, I used to pay...
by rob566 on 04/09/19

Hi, I'm just starting my journey and though I can see the benefits in the long run, it's still a...
by epalmer on 03/09/19

Hello, I may be getting a critical illness payout soon. If I do, this would be just over £82000,...
by sarah859 on 03/09/19

Hi, I was in an IVA that was completed in 2006. A company has recently found PPI dating back 1994...
by paul973 on 03/09/19

Hi. My IVA has finished. I was in breach of IVA for not informing that I had changed jobs and and...
by heath843 on 03/09/19

Hi all, My Iva was completed on 1st July 2019 via F&F I have asked one of my creditors why the full...
by Pigger479 on 03/09/19

will be the iva effect my application for eu settlement?
by agnieszka on 03/09/19

Hello we completed an IVA in May 2016 with Debt Free Direct, we are still receiving statements from...
by sarah744 on 02/09/19

Will my name be taken off the insolvency register automatically, or do I need to do something first?...
by sandra431 on 02/09/19

A few 'in the hat' this time and the one that came out was this one ........ This months recipient...
by Foggy on 02/09/19

I am coming to the end of my first year of my IVA. What financial evidence do I have to provide to...
by ray582 on 02/09/19

I was wondering if anyone could help. I have three names (maiden name, married name (now divorced),...
by Nikl on 02/09/19

I received a letter from a solicitor demanding £150 for a parking ticket and threatening to take me...
by JustPlainStupid on 01/09/19

Good Evening Please can you help me i am interested in a iva I am currently paying via a dmp plan...
by james468 on 31/08/19

Hi, i took out an iva with payplan in 2006, completed in jan 2011 with a full and final settlement,...
by casper90 on 31/08/19

I have an HP agreement with Barclays, has anyone had their car taken back when entering into an Iva?...
by beejay on 31/08/19

Hi I'm just about to go into an iva but I was wondering if I can pay insurance in whole annually...
by jennette on 31/08/19

Have I been Mis-sold and where do I go from here?
by john187 on 31/08/19

I signed up to Aperture over a year ago my job changed did not pay as well as my last job, i sent...
by gene278 on 31/08/19

I’ve only been in an iva for 1 month, but parents have offered to clear it , Can I ask for a final...
by steven614 on 31/08/19

Hi First post in yonks. I completed my IVA in Nov 2016. I’ve just been looking at my credit...
by headbanger on 30/08/19

Hi all. I asked you about this before, however, I will not let this drop and things are proceeding....
by Chrisdude on 30/08/19

I am in the process of setting up an IVA. I live with my partner but she is in no way connected to...
by tony231 on 30/08/19

I just want to say to all those that are starting there journey or are still in the IVA it may seem...
by sam666 on 30/08/19

Best mortgage broker for a first time buyer after an IVA? IVA will be off record at the end of...
by GMann on 30/08/19

All Sorry for all the questions that might sound silly. Ive got the paperwork through today and in...
by 19ryanh93 on 29/08/19

So, today I received my completion certificate. It's been 6 long years, but I did it! I went with...
by Goffy1 on 29/08/19

Today I woke up to £435 in my account from child tax credits, no idea what is for as we only get...
by Debtbuster on 29/08/19