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IVA Forum Topics

Hi there, Just have a quick question regarding car finance while on IVA, have any of you had any...
by Dieter on 15/01/22

Hi all, need some help please, Started an Iva in Sept 2016 and closed it out August 2019, i know it...
by owen134 on 14/01/22

Hi all Been reading lot of posts on here and finally registered, My creditors meeting is on the...
by Deptgone on 12/01/22

I am now in my final year of my iva, my total debt was £12100, £8000 of that was owed to provident...
by Teenie1 on 11/01/22

Hi All I am in my 6th year due to equity, i have 9 payments left and i previously asked CF if...
by cbdawg on 11/01/22

Hi All, 5th year in and my equity loan was approved and it is currently being paid off to the...
by Whiteeyes on 10/01/22

Hi all, So I've been given a new Job with a pay rise which is great, I've only been in my IVA...
by Freddie94 on 04/01/22

Hello Everyone Would like to wish the group a Happy New Year. In between Xmas and new year week I...
by Bob451 on 03/01/22

Hi, I have an IVA meeting booked 12th Jan. I've been in breathing space, but it's now over. I have a...
by Thatone on 02/01/22

Hi, Does anyone know if you need to be a home owner to be eligble for a sprout loan to end the IVA...
by jawad on 30/12/21

Hello everyone, Can i just say what a great forum this is. I have been checking it out for a while...
by Baldylocks on 29/12/21

Hello there! Every year because my income varies and has more than one source, I complete a manual...
by PigsInSpace on 29/12/21

Ok, I'm in my fina year of my IVA, over the years I paid whatever and generally just went along as 5...
by mrhall88 on 28/12/21

Hi, I haven’t been on the forum for a while as I’ve had one of the worst years of my life. I...
by Blade2004 on 28/12/21

Hi. Im back after a long time. Was having trouble logging in. My first year of iVA is nearly up...
by Irma on 28/12/21

Great news I had my F&F settlement accepted mid month but now that’s sorted I’d like to build my...
by Jlml87 on 25/12/21

So after six long years, my IVA finally completed today and I’m over the moon! I’ve struggled...
by laura414 on 23/12/21

Hi there, this is my first post :)! I am currently 20 months in to an IVA with Payplan and I pay...
by DD2021SH on 22/12/21

Hi all, Just had a weird email from a creditor, I've emailed my IP to find out what's going on as my...
by panda_face on 20/12/21

Hi all again,,after doing a f & f settlement and moneys all paid Just a couple of questions I would...
by Suki12 on 19/12/21

I want to buy a home, but don't have enough money for a down payment. How can I get a loan?
by harvey342 on 18/12/21

Hi guys ,,,Done a F& F settlement with sprout loans and got accepted ,,,can’t believe how happy I...
by Suki12 on 18/12/21

I'm happy I'm able to come back and write this post after being a member of the forum since 2017....
by vikkib1212 on 17/12/21

Hi, Have been in an iva for 3 years now. Last year sunny loans went bust and sent me an email...
by davethevan on 16/12/21

Hi So I am 38 months into my IVA. My debt initially was 19k and 15k went into the Iva as some...
by Cprh2502 on 15/12/21

Hello Experts :D Hope you are well! Sorry to start another topic but can someone please help me,...
by Sioonoo on 14/12/21

Hi all, I am about to enter an IVA and as everybody I am full of questions. I contacted...
by baguette22 on 13/12/21

I have posted just once before but finally went through with attempting my IVA in the last few...
by bee900 on 13/12/21

Hi all. My 2nd review is coming up and my IVA was transfered to a new company (though it has the...
by Pryde on 12/12/21

How do I fix a bad credit score for a home loan, car loan, mortgage, or any other purpose
by mrbretlee6 on 10/12/21

Hello I was told by my Practitioner following my completion certificate that my IVA will remain on...
by Sioonoo on 07/12/21

Good afternoon Hope you’re all well, I was hoping for some IVA advice if possible. My IVA ended...
by Sioonoo on 06/12/21

I currently rent a home through an estate agents but when I first rented this home I wasn’t in a...
by Jessie91 on 04/12/21

HI All, Just wanted to update since some of my last posts - I have now paid my debts in full at the...
by mushmansax on 02/12/21

Hi All, I have cancelled my IVA by letting it fail as I now qualify for a DRO. The variation...
by LutonStudent on 01/12/21

Hello My 2nd creditors meeting is Dec 2nd after a 14 day postponement. I really feel like they are...
by Tr00per on 29/11/21

Hi All, I have noticed that my Barclaycard with £1500 on (which went into my IVA last year) has...
by LutonStudent on 29/11/21

Hello I am new to the forum and having sleepless nights. My IVA was rejected last week. I'm with...
by Tr00per on 27/11/21

Hi I have been contacted today by my IVA administrator and told that I owe over £2000 in arrears...
by Lucy Betts on 25/11/21

Hi, I had a variation meeting at the end of May and a full and final was agreed, and the funds were...
by Deltamonkey on 25/11/21

I settled a lump sum IVA in June 2019 - I am in discussions already regarding mortgage requirements...
by Bakersue6543 on 24/11/21

I have already commented on a post about this but I just wanted other peoples opinions My ex husband...
by Widdle on 24/11/21

Hello. This is year in March me and my wife started an interlocking IVA with Financial Support...
by EduLaur91 on 24/11/21

Been following this forum from 2016 when hubby and I first took out the IVA and the forum has been...
by Honeybee1980 on 23/11/21

I've applied for IVA while I was single. I've been with creditfix for almost a year now. I've been...
by Linka17 on 22/11/21

Hi Guys Just checking in . Well it’s 5 months now since started my IVA. Would just like to say you...
by Bob451 on 21/11/21

I am currently 3.5 years into an IVA with Payplan. I have to be honest, at the start of the IVA I...
by Parki1979 on 21/11/21

Hello, advice needed please. Currently in an iva with stepchange. I live alone with one adult...
by KatherineSW on 20/11/21

Hi there, how am I coping, terrible to be honest. Heres the deal (and Im sure nothing you havn't...
by Ferg777 on 19/11/21

Hi, I'm 12 months into my IVA, I owe approx. £29K at the start and payments are at £190PM. ...
by LutonStudent on 17/11/21

So I'm onto my third review As the debt I have wasn't too substantial when I received my iva it...
by lecky on 15/11/21

Slightly round about post here ..... I remember, not so long ago, a poster a asking about being able...
by Foggy on 10/11/21

Hi everyone just a question really I’m 2 years into my Iva and I’m struggling with the adapting...
by Jessie91 on 09/11/21

Hi everyone, I really want to pay off my IVA but I'm confused if the offer has to be close to the...
by Johnson66 on 07/11/21

Just submitted my 4th review this week and now the wait begins. Each time I get an email I jump and...
by Mrs_Brown on 06/11/21

Desperate for advice. Set up an IVA and company has taken 1 payment of ££100. The IVA person has...
by Adamant on 03/11/21

Hi, I am in a bit of a quandary here & hoping that anyone with legal knowledge of the workings of...
by stupotty65 on 02/11/21

Can i tell creditfix that I started recieve benefits sending them an email? Or does it have to be a...
by Linka17 on 01/11/21

I will probably be moving out of the UK soon for work and have a car that is on finance (HP) that I...
by jawad on 01/11/21

Hi, I'm wondering if I can get some advice - I apologise for how long this explanation might be! I...
by EllieJay141 on 30/10/21

My IVA started in May 2020 and one of my creditors unknown to me until recent months wasn't added to...
by djduncie on 26/10/21

Hi I have just been accepted on to an IVA (07/10) and received a sizeable rebate from HMRC on 04/10...
by iainm342 on 25/10/21

Wondering if you can get a home loan with a bad credit score?
by terri on 24/10/21

Hi there, I have 4000 remaining to pay in my iva. I’m an 3 years into it. My dad has offered to...
by sarah236 on 24/10/21

If my mother gives me cash do I have to declare it
by mick245 on 24/10/21

I have finally told my mum and dad about the IVA 3 years in. They have told me they want to get it...
by Bubbly on 24/10/21

What is the typical repayment on a £6400 debt if paid off 10 months early. paying £102.00 per...
by hugh955 on 24/10/21

Hi i started my IVA in June 2020 a number of years ago i opted out of my pension and took out a...
by beverley824 on 24/10/21

Hi Everyone I hope you might be able to put my mind at ease. I’m approaching the first...
by elizabeth379 on 24/10/21

Hi My full & Final was accepted 1st October and paid on the 4th. While I wait for my certificate,...
by wendy297 on 24/10/21

Hello, I'm currently in am iva and have about 3 years left but only £3350 to pay. I have recently...
by meg1985 on 19/10/21

Hi, So I’ve received the request for my review and for my bank statements it’s asked to be...
by Anxiousallthetime on 18/10/21

My partner has a pay rise due but unsure if we declare it now or later ...please advise
by Ivorj on 18/10/21

Our Iva started December 2017. We took a payment break due to maternity leave so our last payment is...
by Anxiousallthetime on 17/10/21

Hi there, I have started IVA 3 years ago and I have 2 more years to go. When my IVA finishes we are...
by sarah341 on 16/10/21

Hi is it possible to make my full and final settlement payment from myself rather than a giftor?
by heidi667 on 16/10/21

Is it possible to appeal an annual review? I’m earning a bit less than in the previous years...
by markaw74 on 16/10/21

Direct debits can i set up a new one while on a iva
by michelle903 on 16/10/21

We have just sold house my ex has IVA has given solicitor name does at the end when mortgage fees...
by maria858 on 16/10/21

My first review is coming up on December 15th with McCambridge Duffy. does anyone know what I will...
by bella102 on 16/10/21

My wife is buying a property which I will live in. Nothing is changing for me in terms of how much I...
by carl153 on 16/10/21

Hi I'm being made redundant very soon I have an IVA in place but my worry is I am not well enough...
by Tracyb on 16/10/21

Hi. My IVA got accepted today. I currently live at home with my mum and my daughter. Recently...
by shakila on 16/10/21

My IVA was satisfied in May 2007. I am trying to sell my house but there is still a restriction on...
by tim948 on 16/10/21

Hi there, if I family member wanted to take out a loan in their name to offer and full and final...
by lauren711 on 16/10/21

My husband had a large debt (3 figures) following a decision he made in 2006 to support a relative...
by NescafeGold13 on 14/10/21

Morning I have an interlocking IVA with my husband and our last payment of £650 is due at the end...
by sosilly on 12/10/21

Hello all, just looking for some advice or for some one with some experience in this to shed some...
by jman369 on 12/10/21

Hi, I need some help with my IVA thats complete. I started an IVA in March 2018 and made a full and...
by GullyP123 on 11/10/21

Hi....my husband and I are doing our 4th annual review with Payplan. My husband is self employed...
by Coline81 on 11/10/21

What would be a reasonable full and final offer for completing my IVA?? I currently pay £435 a...
by rachael606 on 11/10/21

I have been offered a new job which states I could be dismissed if I go into an agreement with...
by sasha582 on 11/10/21

I’m getting divorced and have had to leave our home. The divorce settlement will be to help get a...
by brian792 on 11/10/21

We agreed to an IVA out of desperation. We are on benefits and my wife is my full time carer. We...
by steve884 on 11/10/21

Hi I need to move out and my family offered to pay the deposit for a new place and this will be a...
by veronica302 on 11/10/21

Hello all, I'm a bit worried as one of my creditors is reporting a missed payment on my credit...
by jman369 on 09/10/21

I received a letter from HMRC at the end of July saying they would be seeking to recover £1200...
by grybertie@msn.com on 06/10/21

I have offered to pay a friends IVA off but I’m a bit put out by the letter I received from...
by ann728 on 06/10/21

We recently had a full and final offer accepted but unfortunately at the last minute this fell...
by cjk616 on 06/10/21

Hi is it possible to buy a house with an IVA in year 5? We have had our final review and just in the...
by heidi667 on 06/10/21