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IVA Forum Topics
Hi My husband entered an IVA (from business debts that he put personal guarantees on!) that was due...
by
SKM
on 02/12/20
In 2012 me and my wife took out a iva together to consolidate credit cards ect... I paid £150 a...
by
Adamlee
on 30/11/20
Hi all... I very recently started my Iva journey, I’m just trying to get my head around everything...
by
bella102
on 30/11/20
Hello, I currently have a car on finance on a pcp which is due to end in April. I have to pay £3000...
by
emily682
on 30/11/20
Not really a question but an update... My partner put forward a full and final offer of my remaining...
by
rachel270
on 28/11/20
My friend works for Hanover insolvency, there is a rumour going around that Creditfix is taking...
by
penny150
on 28/11/20
I am only 3 months into my Iva but my mother has recently come into some money and has offered to...
by
Ap2026
on 27/11/20
I Completed my IVA five years ago,still awating fo my completion Certificate. I have now found out...
by
eurica
on 26/11/20
Can an IVA that started in 2016 be extended on the grounds of a new creditor surfacing or an...
by
jeredine
on 26/11/20
Hi all I received my completion certificate today via email although full 6 years does not come to...
by
RunnerffirG
on 26/11/20
Hi everybody. I don't know how to start so firstly Vanguard doesn't exist anymore, vanguard website...
by
maachiaveliq
on 26/11/20
Hi,I entered into an IVA with the Mrs after falling into Insolvency. We were advised to wrongly with...
by
victor355
on 26/11/20
I’ve been asked to send Creditfix all my payslips from the past 12 weeks and last years p60. As a...
by
Ap2026
on 26/11/20
Hi, My IVA was set up by Vanguard which has now passed over its clients to Ebenegate. I have my...
by
kyle197
on 25/11/20
Hi All, I’ve had my initial call with step change, gone through my debts and budgets and what I...
by
emma686
on 24/11/20
Have just found out that although my IVA was completed in Feb this year, I am bound by a trust and...
by
Susandv20
on 24/11/20
Are there any organisations/companies that can negotiate settlement of IVA’s for you. My Iva is...
by
cda714
on 24/11/20
Hi, I’ve just started my IVA process. Current debt is 7000 future finance, 5000 creation, 2000...
by
worried535
on 24/11/20
hello - how can I separate our interlocking IVA's please as I have inheritance coming just to myself...
by
julie376
on 24/11/20
Hi all, I had my IVA accepted last week with Payplan. I work full time and my partner looks after...
by
CathyLove79
on 24/11/20
Hello! I entered into an IVA in September 2020. However, now things have begun to settle down and...
by
daisies
on 24/11/20
I wanted to post an honest review of my experience with credit fix. So I started my IVA with small...
by
Amyhowarth86
on 24/11/20
So I’ve recently had my IVA extended for a year and got my annual review coming up. There’s...
by
laura414
on 23/11/20
Hello, I have been offered a job where I get a £4,800 a year car allowance. This equates to £400...
by
abi547
on 23/11/20
Hi there, please can someone help as I can't seem to find answers for my problem. I'm almost three...
by
sam821
on 22/11/20
Hi long story short I got my self into 69k worth of debt lost my job ended up on universal credit...
by
Head above water
on 22/11/20
Hi All, I entered in to an IVA back in 2007 and the IVA failed immediately. they asked me to...
by
jonathan427
on 22/11/20
Hi , I started an IVA in 04/2019 , payments set at around 450 a month. Since the payment have...
by
james377
on 22/11/20
I had a bonus payment and forgot to declare to IVA company, however was only in October. How do I...
by
Elliver
on 22/11/20
Hey all. It’s been a while since I’ve posted. I hope everybody is well during this crazy time in...
by
MrBT96
on 21/11/20
My Creditor meeting was yesterday afternoon and I spent all day anxiously checking my emails to see...
by
COB
on 21/11/20
I just wanted to ask you something. I am guarantor for somebody who is now on iva. Obviously the...
by
Izunia1981
on 20/11/20
I have been in an IVA for almost 3.5 years, and up until now I have never declared it as part of my...
by
p942
on 20/11/20
I have 15 months left of my IVA with Creditfix and £1170. My parents have offered to pay £1000 off...
by
marie445
on 20/11/20
Apologies if this is a duplicate. A quick query regarding my credit report, I have been in an IVA...
by
loislane
on 20/11/20
I have been previously advised that my income and expenditure statement needs to include my partners...
by
p138
on 20/11/20
I know a certain person that has been doing IVA fraud how do I report said person? I have evidence...
by
jabba189
on 20/11/20
Good morning. I am currently in an IVA, about to complete my first year. As a result of Covid, since...
by
james581
on 20/11/20
Hello Today is a good day , after 7 months of making my final payment on my Iva I have today...
by
T9UPS
on 19/11/20
Newbie looking advice please ? So I’m currently talking to national debt advice who are helping...
by
marisa
on 19/11/20
Hi - I've had a letter from my existing mortgage company outlining that I am basically a 'mortgage...
by
Coline81
on 19/11/20
My parents have offered to pay off my IVA. I contacted CF a while ago to see how much I would need...
by
disneygal
on 18/11/20
I finished my IVA 2019 and has been off the Insolvency Register, The Letting agent Reference agency...
by
maria875
on 18/11/20
Full and final offer - my home will not have enough equity in it. If I wanted to pay it off early...
by
disneygal
on 17/11/20
Hi I am currently just coming upto completing my second year of my IVA. I originally signed with...
by
kyle197
on 17/11/20
I have contacted my IP several times as I have I have been called by their 3rd party equity release...
by
Nickibu82
on 17/11/20
Do you stand a better chance of opening a current account with insurances, once your IVA is marked...
by
Lee-2019-2024
on 16/11/20
How do i get a copy of my iva letter of discharge as santander want to prove my iva has finished
by
timothy
on 16/11/20
Hi i currently have a iva with jarvis ( was apature ) and am paying £263 per month and have approx...
by
craig165
on 16/11/20
Hi I have paid my IVA in one lump sum .CAN I apply for a rent to buy mortgage now as my IVA is...
by
christopher319
on 16/11/20
Hi All, I wanted to ask for some advice, I am in the position whereby my payment plan is calculated...
by
falrow1974
on 16/11/20
Hi, I recently completed 1 year of IVA by paying £150/month n annual review is due. My salary in...
by
hasan
on 15/11/20
Hi I'm considering going down the route of an IVA as I can't get control of my debt. Ive spoken...
by
matt796
on 15/11/20
My IVA mentions that if it is paid within the 66 months period from the start, there will be no...
by
Fizper
on 15/11/20
I took out an IVA last year and was told at that the time that I could pay it off quicker or pay...
by
MissT
on 15/11/20
I have started an IVA and it was approved, later down the line Barclays, who was one of the...
by
alexandra663
on 14/11/20
So ive been in my iva 2 years now, i had a basic nationwide account. However I opened a monzo...
by
Jessjj
on 14/11/20
So so excited to be writing this but the 01 December will be my last ever payment into my IVA! Its...
by
Helly78
on 14/11/20
Inheritance - I received a cheque from a family members will who I had no idea about or have any...
by
lauren923
on 13/11/20
Hi all , my car has just give up the ghost after 8 years. I have just been accepted for a credit...
by
barassic
on 13/11/20
Hi all. My partner offered a full and final settlement to stepchange to pay off my IVA. He offered...
by
rachel270
on 13/11/20
Hi I am currently waiting to drop of the Insolvency Register. There are 2 dates on the register....
by
cowpie
on 12/11/20
Hi. I have previously had an IVA which was discharged over 6 years ago. I have now been offered a...
by
cath438
on 12/11/20
My IVA was approved on 14th September 2018 and I’ve been on my credit report and I have defaults...
by
gemma685
on 11/11/20
hi so so scared me and my husband took out an iva wish we never did was literally talked into it my...
by
rachael558
on 11/11/20
Hi my Iva was completed in July I’m still waiting for paperwork I find that aperture who had my...
by
gary763
on 11/11/20
Hello, I am looking to apply for an IVA preemptively - from next month my expenses are going to...
by
meg499
on 11/11/20
My Iva finishes in January 21 I pay £150 pm Iva have just had £1000 ppi sent to them, will I still...
by
lisa309
on 11/11/20
Hi all, Looking for a bit of advice. Not long finished my IVA, and looking into cleaning up my...
by
Clarencew
on 10/11/20
Hi, I wanted to ask about saving, I sometimes do a good amount of overtime at work and im following...
by
jawad
on 10/11/20
I had an IVA with Harrington brooks that finished March 2018. If I receive any PPI payment now...
by
claire529
on 10/11/20
Back in May 2020 CF asked for an extra £86 from all creditors to help them deal with IVA's...
by
lifenoteasy
on 10/11/20
Evening All. My IVA began in Sep 13 and was completed last year. On tidying my credit reports I...
by
vikkib1212
on 10/11/20
Hello all, Nice to meet you all I’m new today to this forum. I have been reading for days now...
by
kitty14
on 09/11/20
Hello, Should I be worried that I completed my 5 year Iva on the 27/04 And still not received...
by
T9UPS
on 09/11/20
I am 3 years into my IVA but have been contacted by the IVA company to say that one of my creditors...
by
zoe905
on 09/11/20
Hi I had my annual review and my payments were initially 90.00 per month but have annoyingly...
by
emily695
on 09/11/20
I want to pay off my IVA before I move in with my partner, I’ve got about 5k left to pay off. Will...
by
lauren1104
on 08/11/20
Inheritance - I am currently 6 months into my iva , I pay £249 each month , my debt at the start of...
by
lauren923
on 08/11/20
Hi, IVA completion certificate received over 3 years ago and now I'm looking at moving and applying...
by
kravarran
on 08/11/20
My brother has been waiting 5 years for HMRC and his previous employer to agree to the terms of his...
by
Poppet
on 08/11/20
Hi, my partner and I are goin through the process of an iva, it should be sorted on Friday for...
by
lisa294
on 07/11/20
hello. i had a iva with dfd. it finished all paid up 2015. I received a letter 2 days ago from...
by
mandy768
on 07/11/20
Hi I had an IVA with my late ex husband in Nov 2008, in Feb 2010 it failed as we spilt up. He went...
by
karen992
on 07/11/20
I currently bank with nationwide flex basic ( absolutely fine ) Only reason I have opened a Lloyds...
by
Lee-2019-2024
on 06/11/20
Hi, I am a sole trader, since about a year under personal IVA. My provider gave me a permission to...
by
jerzy
on 05/11/20
Hi, i closed my IVA back in July, i received an email saying Aperture as now been taken over by...
by
nikki361
on 05/11/20
I have received confirmation that an early settlement of my IVA has been accepted today by Creditfix...
by
rhian242
on 05/11/20
Hi I have 15 months left on my iva which I pay £150 a month. I have been battling cancer for past...
by
angel147
on 05/11/20
I'm currently under an IVA I have a car on finance (PCP) but I struggled with payments so a family...
by
neil122
on 05/11/20
Hi I completed my IVA arrangement in 2016 having paid over 75% of my depts. but there was a wind...
by
robert969
on 04/11/20
I got an IVA approved with modifications on my name.. I got blood pressure and diebities and working...
by
rizwan
on 04/11/20
Just sent in forms for review no 3, much easier this time as they didn't send encrypted word files!...
by
Mrs_Brown
on 04/11/20
So, I finished my IVA two months ago and received my certificate of completion and final report last...
by
Clarencew
on 03/11/20
I completed my Iva in 2014. In 2019 I received forms from first dispute management asking me to...
by
Kathleen.02
on 03/11/20
Hello, Regarding building my credit score up, if I have direct debits in my name (but the account...
by
gemma685
on 02/11/20
I am entering my sixth year of IVA, no equity release was available, in my first year when paying...
by
Debt Monkey
on 02/11/20
Hi I’ve had my annual review email and I’ve been waiting for my p60 to be sorted out, how long...
by
zoe182
on 01/11/20
I have 11 payments left on my iva. My husband has offered to gift me the money to repay my IVA...
by
Iva1
on 01/11/20
Hi, I am in an ongping IVA. I opemed a new bank account. I was banking with Barclays but they are...
by
lol2030
on 01/11/20