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IVA Forum Topics
IVA Early exit loan
I am in an Iva at present, I have 38 months left and have been offered an early exit loan, my Iva wa...
by
nicky886
on 14/08/18
Can corporation tax be added into an IVA
Can corporation tax be added into an IVA
by
e
on 14/08/18
Problems with Payplan IVA
We are in our fifth year of IVA and quite frankly at our whits end. We are with Pay Plan and they ar...
by
wendy463
on 14/08/18
When should my IVA company send me a statement
Should my IVA company be sending me a statement of what they have paid to my creditors when they rev...
by
lynn383
on 14/08/18
Are Freeman Jones any good?
I'm considering an IVA with Freeman Jones. I'm getting mixed reviews the bad 2013 or earlier...
by
mandy985
on 13/08/18
Is Holmes Financial a legal registered IVA Debt management company?
I s Holmes Financial a legal registered IVA Debt management company? They had been calling me for m...
by
clare816
on 13/08/18
Looking for a company to ask advice
Dear all
We completed an IVA 5 years ago but are back to being in a mess again due to difficult cir...
by
Debtbuster
on 13/08/18
Taking a loan to repay an IVA
I’m currently in an IVA with PayPlan. I’ve paid 38 payments of £307 with a remnaining 32 left.
I’...
by
gareth701
on 13/08/18
Lease agreement in an IVA
Myself and my company was approved an IVA in March, we have some equipment that is leased (Pre IVA) ...
by
craig264
on 13/08/18
Full and final offer
My friend is about to make a full and final offer for me, he is thinking of £5,500.
I currently h...
by
kelly758
on 13/08/18
When could we apply for a mortgage?
Firstly let me start by saying this forum has been godsend and source of great information reading a...
by
kelsus
on 13/08/18
Can a creditor who voted against my Iva still chase me?
Hi I’m currently in a Iva and one creditor did not agree to it but is included in the Iva can they c...
by
paul758
on 13/08/18
Meeting is on Wednesday just read some reviews and more worried
Wonder if anyone can give me some advice or experience.
I've just read some reviews that creditors h...
by
helen534
on 12/08/18
60 months or 72
Morning everyone and thank you for accepting me into the group
Firstly me and my wife have been in ...
by
medxb183
on 12/08/18
Income gone down
Hi all,
I get paid weekly and my income is very irregular. I'm currently earning £60 less a week t...
by
dan385
on 12/08/18
65 payments
3 weeks ago I made my last payment
It’s gone over as my wages have gone up and this 1800 quid was t...
by
bricky7264
on 12/08/18
How does buying out of your IVA early work?
How does buying out of your IVA early work please?
by
lisa839
on 11/08/18
Repairing credit file
Hi There, Our IVA is in its final equity year and due to complete in October 2018. Our plan is to mo...
by
kate773
on 11/08/18
Will I be able to apply for an iva?
Will I be able to apply for an IVA if I have recently bought things out of my catalogues?
by
lyndsey975
on 11/08/18
RBS
Afternoon all, I got home to a cheque from
RBS for nearly £800 , no letter or explanation. I rang th...
by
recovering
on 10/08/18
Mortgages and wife DMP
Hello all,
I settled my IVA early after 3 years, back in 2016, and everything is going great.
My w...
by
Jordan.83
on 10/08/18
Will an IVA affect a new job application
Is it possible to pass a credit check for a Customer Service job at a bank if I have had an IVA in t...
by
aleem
on 10/08/18
Another year of payments?
We paid our 60th payment in January we have not had anything from appature regarding iva they stopp...
by
malcolm793
on 09/08/18
State pension?
I'm in an IVA with Credifix having just been sold to them via knightsbridge insolvency I'm...
by
Iandr91
on 09/08/18
Advice please
Hi, I look after an 81 year old man. Himself and his wife took out each an individual IVA, he has to...
by
tracy948
on 09/08/18
Mother in law offering full and final.
My mother in law is offering to pay £4000 to make a full and final offer to my Iva 54 x £87 = £4698 ...
by
Ds1991
on 08/08/18
Can an IVA be rejected if catalogues used in last few months
Hi everyone, I need a bit of help/clarification if poss!
My IVA meeting is today! 3:30 - the superv...
by
louise252
on 08/08/18
Buying a car when entering into an IVA
Hello. I am about to enter to the agreement with iva. I need to buy a car for the work purpose. I wo...
by
Enkhbat
on 08/08/18
Why do I have to keep sending bank statements in?
Why do I have to keep sending bank statements in every 6 months to credit fix when I'm on Univer...
by
david990
on 07/08/18
Mortgage after full and final
Hi everyone :)
I took out an IVA in March 2017. With the help of my parents I offered a full and fin...
by
Chloexx123
on 07/08/18
Interest Rates gone up
Friend is in an IVA, and just had a letter that says her Mortgage payments are going up following la...
by
mole
on 07/08/18
Shares that matured during my IVA
Hi everyone,
I'm being chased for £1000 which I originally disclosed as Shares which would matu...
by
Rotex
on 07/08/18
Separating an interlocking IVA
In a interlocking Iva past 2 years with my partner..same I@e two separate Iva..I'm thinking of l...
by
Stephend0890
on 07/08/18
In a annual IVA review what information should you be sent
In a annual review what information should the company send to you.
Should they send a copy of paym...
by
ronald
on 07/08/18
Can I add debts into an IVA
I am already in an IVA but have another bill that i cannot afford and the interest is very high, can...
by
anneka
on 07/08/18
Do I have to sell my house
At the end of an IVA, or so we thought, currently paid the full 5 year term and got a letter saying...
by
john701
on 07/08/18
Why would I owe money into my IVA?
I've made my final payments to my iva in May 2018 after 6years (additional year due to having no...
by
sam665
on 07/08/18
What offer should I make to settle my IVA
Hi there
Im currently in IVA arrangement which a family member has offered to settle the IVA, Bu...
by
danny118
on 07/08/18
17 days until a F&F with CF
I’m writing on here for no other reason than I’m still worried sick about my F&F with CF. I’m wi...
by
Nikl
on 06/08/18
Is it normal to be this stressed
I'm so worried and stressed my iva won't be accepted.
Since I started working full time a year n hal...
by
helen534
on 06/08/18
Iva approved today but.
Had my Iva approved today with a fantastic company called swift I’m so happy but need some advice.
...
by
hanndora1991
on 06/08/18
Accepted
1st if all thank you all especially foggy for the help with all my questions
I have just had the c...
by
Jani1983
on 06/08/18
How much should I offer to my creditors
I have an IVA with Aperture, i paid a lump sum in the beginning which my creditors accepted, i get £...
by
angela943
on 06/08/18
How can they say my wages have doubled
I am in a iva and I only have a year and half left of my 5 year IVA I am self employed and I send in...
by
clare693
on 06/08/18
Aperture told me I paid too much, will I get this back?
I recently finished an Iva. Initially started with debt free direct then apeeture took over. It was ...
by
Julian1971
on 06/08/18
Creditor meeting
Hi all
Me again miss worry, my meeting was today at 1.30, not heard anything yet
Anyone know how ...
by
Jani1983
on 06/08/18
Can you change from one Iva co to another?
Can you change from one Iva company to another
by
carol778
on 05/08/18
I am thinking of letting my Iva fail ...
I am thinking of letting my Iva fail. I have a lump sum from pension I can use to offer half my debt...
by
lorraine736
on 05/08/18
The Nightmare that is Creditfix
Creditfix are a complete nightmare ! I posted about this issue previously and now 5 months on nothi...
by
SteveM
on 05/08/18
Creditors meeting approaching
Hi all well my creditors meeting is Monday and I won't try to explain the worry I'm going through as...
by
Jani1983
on 04/08/18
Redundancy pay
Hi, I was made redundant and received PILON pay of 12 weeks, my last wages and a serverence/redundan...
by
stephen846
on 04/08/18
IVA credit file removal - certificate of revocation
Hello,
I've been dealing with an issue with mine and my wife's credit reports for a few months now....
by
Sydshaw
on 03/08/18
Voluntary redundancy
I’m currently in an IVA and have been offered VR at work.. will my severance be taken from me as pay...
by
emma542
on 03/08/18
PPI - no interest from IP
I put a PPI claim into MBNA, they have just replied saying that as I was declared Bankrupt I am inel...
by
john136
on 03/08/18
Is my financed car at risk?
I have started the process of an IVA the creditors meeting is on 15th of this month I have been told...
by
helen534
on 03/08/18
How do I get a copy of my IVA completion certificate?
How do I get a copy of my IVA completion certificate? My IVA was with Debt Free Direct.
Thanks
by
paulette764
on 03/08/18
What does discharged iva mean
What does discharged iva mean
by
jackie939
on 03/08/18
Full and final IVA
Hello,
I got in touch with the forums a few months back when there was uncertainty about our financ...
by
robert405
on 02/08/18
Post of the Month
Hi All,
That time has come around again, here is the Post of the Month!
This months recipient of ...
by
Foggy
on 02/08/18
Fostering children whilst in an IVA
we are thinking of fostering and will need to know how this may affect our IVA can they take all our...
by
amanda856
on 02/08/18
Not sure where to go from here?
Hello :)
I've been in and out of work for years now, and have got myself in way too much debt for m...
by
Archiebond
on 02/08/18
How can a secured loan become unsecured?
I am worried sick. I have been in a single IVA for the past 5.5 years with 5 payments left. I checke...
by
sue934
on 01/08/18
Can my son pay for me a holiday
Can my son pay for me a holiday whilst I am on an Iva? A gift not a loan
by
lynn383
on 01/08/18
Tix
Hi all,
Just a quick question I'm currently awaiting my creditors meeting and have noticed 90% of m...
by
Jani1983
on 01/08/18
My creditors are receiving little or none of my IVA payments
I entered into an IVA 2 years (25 months) ago, for a period of 6 or 7 years, total debt of £6800, at...
by
jamieb5123
on 01/08/18
Reduced income due to new work
Hi! We have joint IVA. my husband had recently changed work and his income is reduced(£400/month les...
by
jing
on 01/08/18
IVA accepted today
Hi all
We had our IVA accepted today, feeling a little nervous about it all.
Any advice you can gi...
by
Cath_hol
on 31/07/18
Creditors meeting tomorrow - old bank account still open
Heya, I have my creditors meeting tomorrow morning (horray!) just wondering if my debaters should ha...
by
leanne524
on 31/07/18
Overpaid IVA
I had an IVA which finished in December 2014, it was originally with Grant Thornton, when it came to...
by
darren479
on 31/07/18
CreditFix Paperwork
Hi,
I read a lot on this Forum about Creditfix changing their paperwork which is causing delays as ...
by
Waitingforship
on 31/07/18
Would an iva work for us
Hi.
We are currently 2 years into a 25yr help to buy mortgage and it looks likely that an iva is ou...
by
wayne118
on 31/07/18
Paying off last year of IVA?
Partner has IVA and has about 1 yr left to pay. He is been made redundant so looking into it we beli...
by
joanne905
on 31/07/18
PPI - are we entitled to anything?
My husband and I have just received our completion certificates for IVA. PPI claims are outstanding ...
by
john795
on 31/07/18
Awaiting via decision
Hi all new to this forum but hoping someone may be able to put my mind at ease a little.
So I'm aw...
by
Jani1983
on 30/07/18
One creditor for all high street banks?
From my understanding there is one creditor who represents the majority of my creditors who are most...
by
Nikl
on 30/07/18
How can I borrow funds now IVA is finished
i had an IVA and completed 2 yrs ago , so still have the stigma against me on credit check etc. im l...
by
kerry395
on 30/07/18
Would an IVA affect my British citizenship application
I would like to naturalise to British citizenship would an IVA affect my application
by
rob703
on 30/07/18
How do I cancel my IVA?
Hi i have taken out an iva which is £100 a month i relise i cannot manage to do this how can i cance...
by
nichola102
on 30/07/18
Pay rise
My husband just had a small cost of living payrise at 7%. The payrise does not take us over 10% of h...
by
mumof3
on 29/07/18
Student loan
Hello i've entered into iva a year ago, can I apply for students loan as i'm about to go to ...
by
lucy441
on 29/07/18
Switching from a DMP to an IVA
I’m currently in a dmp with Payplan. I started with over 40k worth of debt I now owe just over 25k I...
by
tony320
on 29/07/18
Annual review
Sent all the details off that credit fix required for my first review. A few days later it was retur...
by
dan385
on 29/07/18
Is it worth getting a part time job
Morning all. I'm currently in full time employment, which my I&E is based on. If I got a part t...
by
dan385
on 29/07/18
Thinking of Leaving IVA (again)
Hi guys,
I’m considering leaving my IVA and trying to make arrangements with my creditors. Last mon...
by
Pigger479
on 29/07/18
Completion process
After the last payment into our IVA in Nov, 2017 we waited 6 months before enquiring about our ...
by
Look2THElight
on 28/07/18
Month 72 equity release
Please tell me this is a mistake - payment 72 has just left my bank - I had a 60 month IVA and at mo...
by
Dawndc28
on 28/07/18
Another PPI claim?
Hello, I am in my final 6 months of my IVA with payplan. I have no equity so its the standard 5 year...
by
Matt.rs
on 28/07/18
IVA with Hanover
Did anyone go through IVA with Hanover Insolvency please? Mine and my partner’s IVA has been approve...
by
Di16
on 28/07/18
Cancelling my IVA application?
My IVA has been approved but the meeting with the creditors hadn’t taken place and would like to can...
by
abigail
on 28/07/18
Can I get a student loan?
Hi, i am Planning to have an IVA agreement. And i am planning to apply for student loan from SLC.
...
by
smih
on 28/07/18
So worried!
I’ve beem in an IVA since October 2017. I only pay £60 a month (IVA is for 6 yrs). I’m constantly st...
by
Amanda.14
on 28/07/18
Is it a no to trustee-ship in an IVA?
We've just been given a charity status for our lost and found pets in our local area. I'm a ...
by
tina592
on 27/07/18
Insolvency Service
Hi, My Iva finished on the 12th april 2018, and couple of weeks ago i noticed i was still on the ins...
by
flower
on 27/07/18
Done new ie as change of circumstances split up with partner.
Recently split with partner with my children and have had to rent my own place and done a new ie as ...
by
ashbock123
on 27/07/18
Is an IVA too good to be true?
Hi, I've just been talking to one of The Consultancy People through IVAhelp.org.uk. I was actu...
by
mia
on 27/07/18
Credit fix have sorted the paperwork issue
At last I have a new date for the F&F meeting! I’m so nervous!
by
Nikl
on 27/07/18
Remortgage in IVA
Hello! I have an IVA which is coming up to the end of its 5th year. Select Partnership are looking i...
by
SaxonOne
on 26/07/18
Do I need to declare IVA
Do I need to declared my IVA if asked by my employer as I work for a non-FCA approved insurance brok...
by
sharon340
on 26/07/18
How do I get a default date changed
Completed my IVA on 23/2/2018.only issue I have is santander, it's still showing default with th...
by
Sallyannt
on 26/07/18
Would an IVA suit me?
Hi, I was overpaid salary for 12 months amounting to £35,000. The company (Public sector) are reque...
by
tim
on 25/07/18