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IVA Forum Topics
Additional debt?
have seen before instances where a debt has been sold on and the IP has added this as a new debt in ...
by
Dinnynat
on 22/01/19
Payplan annual review
I work part-time and most months I do extra hours with means my income can vary quite wildly. When m...
by
rhythmb
on 21/01/19
Self employed and Tax Return
Hi all, currently bankrupt, started at the end of April 2018,
someone can please help me regarding ...
by
smart3105
on 21/01/19
Directors Loan whilst in an IVA
Do directors loan work the same as outside an iva. i. e. If i am owed money by my limited company, ...
by
mudasir
on 21/01/19
How can I find my IVA closure paperwork
Hello, I am seeking IVA closure paperwork from a company which no longer exists apparently. I am sur...
by
julianpayen
on 21/01/19
financial probity screening
Hi Advice please.
I'm applying for a new job , the employer has pre employment screening... and the...
by
HMRCBFAIR
on 21/01/19
Will the IVA remain on his records?
my son got into debt and an iva before being diagnosed with serious ADHD. The iva was recently writt...
by
david260
on 21/01/19
DMP or IVA?
Should I take a debt management plan or an IVA?
by
ian439
on 21/01/19
IVA Approved with CF
Hi,
I'm in my first month with Creditfix and just a bit curious about my annual review. As all my ...
by
VAG82
on 20/01/19
Can I take a car on finance and then go for an IVA?
Hi, im in a dmp, have been for 3 years now. My car which is 17 years old, is on its last legs, I nee...
by
peter155
on 20/01/19
Selling my car
My car is low value £2000 and is listed as an asset on my Iva . It’s proving expensive to run fuel e...
by
Mpbmpb
on 20/01/19
Changing jobs in an iva?
I am currently in an iva and working. But want to leave my job and do what I trained at college. Thi...
by
graham431
on 20/01/19
Should I cancel my payments?
Hi.
I have just paid my last payment to cf. I’ve not heard from them in the last two years. Is it m...
by
wayne848
on 20/01/19
Final Payment
Hi All,
I have just made my final payment into my IVA and just waiting on the result from my final ...
by
Notlongnow
on 18/01/19
Balance from PPI
I have just been notified that I am to get a repayment on a PPI @ £15,000 my IVA is left @ 11k - onc...
by
mary942
on 18/01/19
Ok - IVA why bother take 2
Hi there - Ok, i am back now to write this in full!
So - What i meant was..............Just leave e...
by
n958g
on 18/01/19
Will an IVA affect my home?
I own a home and no mortgage will this affect my home and will my creditors make me sell my home to ...
by
sandie
on 18/01/19
Can I claim back PPI that was paid to my IVA
i have had a letter from a company called addison hunter who i rang and was told i could claim back ...
by
colin881
on 18/01/19
finally got IP to get back in touch with me .... not happy
Hi
Posted a few days ago about my IP not getting back to my calls or emails, I finally emailed and ...
by
tasha_shero33
on 18/01/19
Should I still be paying for loan if she is in an IVA?
My wife got a loan 2 years ago for something we both wanted for 10k. We have now separated and out o...
by
Alviti001
on 18/01/19
Freedom from Insolvency Register
Good Morning All
I can happily report that I have been removed from the Insolvency register!!! I'm...
by
bethany
on 17/01/19
Order against the house
My wife’s ex husband wanted £20,000 from there property.
When he left 8years ago the house was in n...
by
george213
on 17/01/19
Aperture IVA closure
Aperture the worse company to be with they delay your closure they lie about what they have done.
I...
by
patf1
on 16/01/19
Failed IVA and register
Once an iva has failed..... how long before your name is removed from the register
by
ronald723
on 16/01/19
Buying a property post IVA
I am in an iva which I went into in 2017 and should fall out my credit rating by 2022 I’m hoping. Ba...
by
Amy.j
on 16/01/19
Keeping a car whilst in an IVA
My car was in my Iva, and now isn't, Santander have taken my car today from my home. I have been...
by
tony741
on 16/01/19
Can I sell my house whilst waiting for completion certificate?
F&F offer accepted and paid in September 18. Aperture advised thst Completion Cert can take up to 6 ...
by
Mark.56
on 15/01/19
Has my IVA finished?
My final payment for my IVA was in May 2018. I have paid back what I owed 100% £27032
I was asked b...
by
iain200
on 15/01/19
Wife looking for work
Got an Iva a so don’t get hassled from creditors but still get hassle from Iva people saying wife ha...
by
ez
on 15/01/19
IVA company want me to pay £6000, what can I do
hi im with freeman jones my five years has finished but due to monies outstanding my case is still o...
by
sarah765
on 15/01/19
Is there a way I can find out who was included in a old IVA?
Hi am new to the forum and wondering if anyone can help me. I’m 3 years into an IVA with Unity and ...
by
GaynorP
on 15/01/19
Can I stop my IVA and go Bankrupt?
I've been in an iva for two years, still got another three years to go.can I come out of it and ...
by
coni
on 15/01/19
Will our IVA fail or be extended?
Me and my wife are in the last few months of our IVAs. We just got sent a letter asking for income a...
by
ian422
on 15/01/19
Does PPI go to IVA company if IVA completed 4 years ago?
Are banks legally allowed to pay upheld PPI claims to an IVA company, even after the IVA has been co...
by
jacob
on 15/01/19
Why is my name still on the insolvency register?
Good Day All,
My IVA finished in August and I received my Certificate of Completion on the 12th Oct...
by
anthony
on 15/01/19
Is an IVA a possibility with all these complications
I find myself in a difficult position as my situation has major complications. On the face of it it ...
by
Mhutley
on 15/01/19
Mortgage statement request
I am in the process of completing my IVA with Freeman Jones (previously Harrington Brooks) and have ...
by
rebecca840
on 15/01/19
annual review online?
Crefitfix requires me to complete annual review through online. Always done it by post and no issue....
by
TripleDM
on 15/01/19
Reversing an IVA
Hi I entered into an IVA about 5 months ago after losing my job and getting in over my head with deb...
by
Brock
on 15/01/19
F&F accepted
Hello, we received good news last week that our F&F offer was accepted! I couldn't believe it. B...
by
Shelly30
on 14/01/19
Hi. After 5 years be are about
Hi. After 5 years be are about to complete our Iva agreement in April.
Does anyone know if we woul...
by
einir
on 14/01/19
Finish IVA with a lump sum?
I am in an IVA and it was due to finish Aug 18 but I had taken a payment break of 3 months and had a...
by
wendy887
on 14/01/19
Bonuses problem
I have just 6 months of an IVA left. Never missed a payment and always declared any permanent pay ri...
by
mark955
on 14/01/19
Are NTF proper IVA company
I've been with ntf for 3 years now paying 95 a month coz I've earnt 3200 roughly more last y...
by
lee476
on 14/01/19
A few things really... help needed
Hi
Firstly - I had my creditor meeting on 17th December all went through ok.
They sent me email w...
by
tasha_shero33
on 14/01/19
Will an IVA affect a Visa application?
My husband has recently entered into an IVA but we are also intending on applying for my spouse visa...
by
jessica419
on 14/01/19
Is my IVA Completed??
Hi All,
My IVA last payment was in April 2018 so i was expecting it to all be finished. Well it's n...
by
perry
on 14/01/19
Further payment after IVA finished
Hi, newbie here.
I made my final payment (after 6 years) in October - and was asked by the IP for...
by
msr
on 13/01/19
Ill advised by IP
When can I get a mortgage?
by
john754
on 13/01/19
Turning self employed mid year after my apprenticeship??
Hey all! This is my first post here so just getting used to using the site. So basically I’m in a Iv...
by
MrBT96
on 12/01/19
Car Finance after IVA completed
Hey
My IVA successfully completed in November 2018 but will remain on my credit files until Novembe...
by
Lazarus
on 12/01/19
Partner entering IVA
Hi all ,
Mr girlfriend who I live with has entered an IVA is this something can affect my own IVA p...
by
Pigger479
on 12/01/19
Term extension
I have made all my payments including extended period for under payments and I am now being asked to...
by
andrea951
on 12/01/19
Capital one default notice
Hi, just wondered if anybody could give me any info on this.
Today I received a letter from Capital ...
by
Teiganh
on 12/01/19
Why bother with an IVA?
Why bother with an IVA?
by
n958g
on 11/01/19
Quicker way to get a mortgage?
Hi
I have been in an Iva for 3years now and I have another 3years to go paying for it, I am in a be...
by
susie451
on 11/01/19
Help please
Hi
I would really appreciate some advice please. We've been on a very long and stressful IVA (s...
by
Wilfieboy
on 11/01/19
Going for Iva need a new bank
Hi my husband is starting a Iva he has been told he need a new bank account not connected to banks h...
by
Jojo53
on 11/01/19
How do Motonovo treat IVA's?
Hi
I was wondering if anyone knows how Motonovo car finance treat IVA'S. Do they make you ret...
by
jane947
on 11/01/19
Credit file
Hello all,
I know it’s probably been asked million times but I hope you can help.
I asked freeman ...
by
Steeddie
on 11/01/19
Iva remortgage
Hi. We are currently on month 67 and have supposedly made our "last" payment on December 3...
by
Lg86
on 11/01/19
Lump Sum IVA
I had full and final certificate for Lump Sum IVA issued in March 2016 . When can I apply for credit...
by
moira999
on 10/01/19
Selling Property - Is our 15% equity always safe?
Hello,
I'm 7 months into my IVA. Main creditor is HMRC and they added an 85% property equity claus...
by
jame$bear
on 10/01/19
Options for repaying an IVA with a bonus I am receiving
Hi,
Can someone please help? I am currently in an IVA with Payplan (what a mistake they were) and...
by
youngy84
on 10/01/19
IVA early settlement process
My partner has been in an IVA since September 2018. The reason they got into debt was because of a g...
by
leahcar
on 10/01/19
Can the IVA take my pension now it has completed?
HI IVA ended last September and I have the completion certificate....I I get a lump sum from.pension...
by
jean657
on 10/01/19
We can't pay anymore
My husband is on the last year of his IVA,they were joint debts we are both retired and my husband i...
by
gillian231
on 09/01/19
2nd Creditors Meeting
Hi all,
Wish me luck. I've got my second creditors meeting tomorrow. I'm the creditor by the way....
by
moocow
on 09/01/19
Iva finished last year but heard nothing from Aperture
My IVA was completed in October 2018 and have had nothing from Aperture since that date yet they hav...
by
michael855
on 09/01/19
Payment break
Hi...do you think my Iva provider will allow us to take a payment break in order to pay the self ass...
by
Coline81
on 09/01/19
Best full and final offer for my IVA
Hi All - currently going into my 3rd year of my IVA - paying £250 per month = 15,000 in total (£8750...
by
owen134
on 09/01/19
IVA Creditor meeting today
I have my creditor Meeting today at 10 it’s probably happening right now, I am extremely nervous. Wh...
by
sarah341
on 09/01/19
Why can't I pay my IVA off early
I am 2 years in 2 my Iva I want to pay it off I have found a company who will let me take out a seco...
by
lawrence676
on 09/01/19
Car insurance
Hi I entered an IVA in May 2018 and the first problem I’ve encountered is today when I’ve just been ...
by
Buddy1
on 08/01/19
Help with Full & Final offer
My newish partner is 9 months into a 5 year I've with aperture, we we r helping to buy somewhere...
by
attheend
on 08/01/19
Few questions . (review , new partner etc)
Hi all,
I started my IVA last April with creditfix after getting into £20k ish worth of debt with...
by
Vince_100
on 08/01/19
Should an account still show as a default after IVA completion?
Hi there – my husband and I had our IVA proposal accepted in February 2017 and received our certific...
by
claire824
on 08/01/19
Is the final IVA review the same as an annual one?
Hi guys. I've got 7 payments till my iva finishes. I'm due my annual review in 3 months and...
by
Eric.55
on 08/01/19
End of IVA
Morning
So I've paid my last IVA payment on the 25th December, My IVA was for 6 years and all up to...
by
Neil.dw
on 08/01/19
Ex partner in an IVA and owes me money
Hi, my ex partner owes me money and they have an IVA. Please let me know the process I need to foll...
by
zoe988
on 08/01/19
Right Hand Finance
Hi I was contacted by right hand finance and I was offered a IVA last August it's now January . ...
by
steve344
on 07/01/19
Ppi
I was approached by a ppi company regarding ppi they say they had some good news for me they said th...
by
Tonydc6
on 07/01/19
My Iva has been accepted today
My Iva has been accepted today , the relief is unbelievable. I spoke to Keith white from a form I co...
by
kevin323
on 07/01/19
IVA or bankruptcy
Me and my wife are looking at entering an IVA to clear our debts, from the information received from...
by
luke251
on 07/01/19
Equity loan while in IVA
Another question from me thanks all in advance
Has anyone had their help to buy loan end while in t...
by
Helly78
on 07/01/19
Do guarantor loans get included in IVA's
I have 2 guarantor loans, if I enter into Iva will this debt fall to my guarantor to pay or will it ...
by
roisin
on 07/01/19
Will they take car if I enter into IVA
I am just about to start an IVA but have a car on PCP with Mercedes Benz finance - ideally I don’t w...
by
simon363
on 07/01/19
full and final settlement
hi there guys I was just after a little bit of information really. I am currently 15 months into my ...
by
Lincolnshire123
on 06/01/19
Car valuation and creditors
Hi, I have a couple more questions following on from yesterday if you wouldn't mind sharing your kno...
by
Skn78
on 06/01/19
Addison Hunter?
Me and my husband had an IVA each which lasted 6 year, which is now completed. I received a phone ca...
by
camelia
on 06/01/19
Can i change my iva payment date
Can i change my iva payment date?
by
toni511
on 06/01/19
Final Payment made
My wife and I have made our last payment this week. We started our (interlocking) IVA's in November ...
by
anap
on 05/01/19
Advice needed please
Hi, I'm looking for advice. I'm a married mum of three, my husband is armed forces. I'm self employe...
by
Skn78
on 05/01/19
Post IVA mortgage
I did clear my IVA within two years after it started however my credit record is still very poor. M...
by
mine
on 05/01/19
Post IVA law degree
I have cleared my IVA couple of years ago and I have been offered a place at the university to do a ...
by
mine
on 05/01/19
if My IVA is accepted ...
Hello, just waiting to hear if the IVA proposal has been accepted. If it is accepted, I am on my ow...
by
michaela194
on 05/01/19
Mortgage after Iva
Hello again it’s been a while, i had a full and final figure accepted in may 2018 shortly followed b...
by
Beaubeau
on 05/01/19
Post of the Month
Hi All,
Sorry for the lateness of this post, but, with the excitement of 2018 crashing out and all ...
by
Foggy
on 05/01/19
Can you pay more than the original proposal?
Hi all
First time posting here.
I started my IVA through Payplan in August 2015 with a debt of £26...
by
Helly78
on 04/01/19
Terminated IVA
I was in an IVA with Creditfix. The IVA was terminated in May 2018. I have certificate and I have be...
by
sabrina762
on 04/01/19