IVA Forum - Latest 100 topics Go to IVA forum

IVA Forum Topics

Hello, My final payment Is due April 28th and I am currently with anchorage chambers. I haven’t...
by T9UPS on 19/02/20

I entered into an IVA over 10 years ago unfortunately I had to go bankrupt 12 months later. The IVA...
by jeanette344 on 18/02/20

Hello. I have cae finace left 8.5k ( intrest i alredy finish pay. ) Car engine blow up and i...
by elvijs on 18/02/20

I am applying for an IVA and awaiting for results. When I have been approved can I still use my...
by leanne140 on 18/02/20

My partner and I are in a linked IVA, the final payment was made 15 October 2019 in September 2019...
by stella505 on 18/02/20

Hi I have just finished my 5th year of my IVA and the IVA company are trying to release equity from...
by lee572 on 18/02/20

Good afternoon all. So a little bit about the situation I find myself in, I managed to pay my Iva...
by Ivafree92 on 18/02/20

Hi so i've got 37k worth of debt mainly with HSBC and a few hundred with other creditors with most...
by thedude95 on 18/02/20

Hi all, it's been a while! I hope everyone that remembers me are all doing well. Me and my husband...
by lem on 18/02/20

Morning, Hopefully the last question I will have to ask. I was lucky enough to end my IVA early...
by Ferret123 on 18/02/20

We were about to submit our information for an IVA but the person advising us said due to recent...
by Fay1983 on 18/02/20

We are new to all this and still in the process of DMP/IVA (will do one short term then the other)....
by Fay1983 on 18/02/20

Hi. I'm hoping I can get a bit of advice about a failed IVA. I put my hands up and admit this is my...
by scotty943 on 17/02/20

Why am I not being called back, its extremely disappointing to know and can not trust advisers whom...
by ernest536 on 17/02/20

How likely is my IVA to be accepted the debt is 13500 and credit fix have told me that my proposed...
by tina796 on 16/02/20

If my friend has an iva can she apply for virgin media
by rajni on 16/02/20

Hi, I am trying to get a hold of my finances and am considering an IVA but I am sure there are...
by victoria138 on 14/02/20

Hi all I am nearing the end of my 6 year IVA and can finally see light at the end of the tunnel. I...
by cowpie on 14/02/20

Can you choose which accounts to include within your IVA. I have a bank account which has a zero...
by jack311 on 14/02/20

Hi team, I need some advise as i don't know what to do anymore. Recently (9-10 months ago) I...
by hektiic1 on 13/02/20

hello, I have a debt of £3,000 with HMRC for tax credit over payments, my total debt is approx....
by kirsty253 on 13/02/20

I received my completion certificate from Aperture in February 2018. Today, February 2019 I have...
by michael164 on 13/02/20

I have a lVA, my question is, if i inherit money can the IVA and creditors take it all, or just what...
by john224 on 13/02/20

My IVA was successfully completed in March 2017. The IVA started in FeB 2012. Lloyds bank were...
by dhiru on 13/02/20

Hi all a quick update vanguard have sent me confirmation of my creditors meeting 28th february so...
by Colin351973 on 13/02/20

Hi all Currently coming up to Year 3 mark on my IVA. I am married but my partner is not on my IVA...
by jessi3498 on 13/02/20

I would like some help to see if I can write of two of my debt I’m in a situation that I just...
by sophie556 on 13/02/20

Hi, I’m new here, how have I not come across this forum before?! My estimated IVA end date is...
by Lucyj1983 on 12/02/20

Hi, I have had an IVA now with creditfix since August last year. Today I returned home to find a...
by chrisg on 12/02/20

Good afternoon, I am in my 4th year of my 6 year IVA, due to end Dec 2021. When I set up my IVA I...
by jay399 on 12/02/20

Hi, I am in an IVA (5 years - £6,000) and have £4,700 left outstanding (paying £100 a month) to...
by Happyone on 12/02/20

If you have an IVA can you keep compensation for pain and suffering only and there is no financial...
by beverley815 on 12/02/20

I am self employed and due a refund on a tax return, i submitted my tax return and requested money...
by rachel233 on 12/02/20

hi, I have been in my IVA for 3 months owing £22k and I am about to receive a windfall in the next...
by nicole886 on 11/02/20

Hi my hy husband and myself are due to complete our 5 year IVA next June, we have been paying...
by paula256 on 11/02/20

I have an IVA which a third £8200, with the IVA costs it has now increased to £11,922. When I...
by hmo on 11/02/20

My current landlord has advised she needs the property back, how difficult is it going to be to pass...
by darren309 on 11/02/20

I have an IVA with Freeman and Jones and they have been inconsistent and unsympathetic from the...
by pjf on 11/02/20

I've been told that I need to get proof that I have tried to remortgage to complete my IVA. I...
by susan455 on 11/02/20

Hello all, Just doing my yearly review of my income and expenditure and noticed that they have...
by andrew190 on 11/02/20

My husband and I completed an IVA in 2017 and due to debt free direct going into insolvency it took...
by sharon763 on 11/02/20

Hi, I’ve read a few of the posts and was surprised to learn my F&F figure can be lower than my...
by Nakedguru on 10/02/20

Hi Just wondering if people would be kind enough to confirm the maximum allowance you have been...
by amanda751 on 10/02/20

Do I have to accept a remortgage or secured loan
by Suzi47 on 10/02/20

I have just recently signed my IVA proposal and would like to cancel it. A creditors meeting has...
by leanne140 on 10/02/20

Insurance companies seem to want to know if you have been in an IVA or are currently in one for the...
by amiable659 on 09/02/20

How are permanent pay rises / promotions handled within an IVA. Is it a 50/50 split prior to review...
by Debtfreewannabe2022 on 09/02/20

Hi, I am new here and I am unfortunate to be in a situation where my debt has taken over my life to...
by Sekaro7 on 09/02/20

Hi I’m still exploring going down the IVA route and wondering if hire purchase agreements with...
by amanda751 on 09/02/20

Hi I started my iva on the 5/8/2019 my grandad passed away on the 9/2/2019 before I signed my iva...
by lee949 on 08/02/20

What are ya your requirement to be eligible?
by mylinda on 08/02/20

Hi all. We started our IVA in sept 2014 and got our CoC last week(so relieved). Have been checking...
by Clarky27 on 08/02/20

Hi good afternoon this is my first post. Finally realised I am on way over my head and need to...
by DoubleD on 08/02/20

Hi I’m thinking of entering into an Iva with StepChange and have had my first appointment however...
by sma on 08/02/20

Hello Hope you can help. I really really want to see a credit report that looks healthy after all...
by Karen.59 on 08/02/20

My 1st year annual review with PayPlan is coming up soon. I really don't know what to expect and I'm...
by peaceofmind25 on 08/02/20

Hi, Just finished my IVA & paid the last payment in November, I've received a a letter from the AVI...
by musty on 07/02/20

I have over 40k of debts with a number of credit cards and personal loans my income is 1230 per...
by mark147 on 07/02/20

Hi I entered into an IVA in August last year and just received a letter from the Land Registry to...
by sharon474 on 07/02/20

I received Bonus/overtime payment of £900 in November last year. I’m in a trust deed with credit...
by john360 on 07/02/20

Hi. I’m at the point of equity release in my IVA. However due to wage and payment increases, I...
by Topcat on 07/02/20

Hi all I'm currently in an iva since Oct 2019 I was told I could keep my car as it looked like it...
by Clairebear on 06/02/20

Hi all so im now in the process of my proposal being put forward but still the weekly debt payments...
by Colin351973 on 06/02/20

I’ve paid about £3000 so far on my iva. I have about £8000 expected equity release and about...
by gemma685 on 06/02/20

My husband is self employed and we are going through financial crisis at the present where we...
by julia641 on 06/02/20

Awaiting my IVA proposal and feeling very apprehensive. With everything depending on the 75% it...
by green on 06/02/20

Could you please tell me whether a pre-paid debit card is acceptable whilst in an IVA? It would be...
by jean821 on 06/02/20

Hi everyone! Am now in the process of checking my credit file for mortgage purposes. I have seen one...
by Jasmin.75 on 05/02/20

I was told I would pay this debt for 5 years yet I near the end term and now they say it’s needs...
by julie129 on 04/02/20

If you are separated and apply for IVA does it affect your partners credit rating or the home...
by fabian on 04/02/20

My Ex-Wife has applied for an IVA. We both own a home together which I'm paying the mortgage on,...
by neil849 on 04/02/20

This months (January's posts) Post of the month has come around again and there were a few...
by Foggy on 04/02/20

Hi all. I have been juggling my debts for a number of years now while also being financially...
by Exit35 on 04/02/20

Hey all, been a while since I’ve posted, as of today I’m finally in my 3rd year! So 3 more to...
by MrBT96 on 03/02/20

My brother was sole beneficiary of my late estranged mothers will. He gifted me £40,000 as he knew...
by tina375 on 03/02/20

I have an IVA but had car accident which wasn’t my fault and will be getting compensation for pain...
by beverley815 on 03/02/20

I need some advice. I went into insolvency years ago which I believe completed in 2007. I am sure...
by lenora on 03/02/20

Hello, I'm almost 2 years 4 months into my IVA and I'm paying £140 a month. My mom offered help to...
by luki0700 on 02/02/20

Does you Ip check your credit file to check you haven't breached your Iva ?
by mariana on 02/02/20

I have had to give my Iva my ppi award which I understand but if those companies hadn’t...
by carl654 on 02/02/20

I started proceedings for an IVA last week and am on a fact finding mission. I owe 10,815 to four...
by robin849 on 01/02/20

I have an Iva and a balloon payment for my car of £6500 due in August. I have £1000 I can put...
by sara523 on 01/02/20

Will my pension lump sum be taken off me while in an IVA? Also will the regular monthly pension be...
by alice624 on 01/02/20

I have recently found out that my IVA with Aperture is over 6 years instead of 5 which is what I was...
by john202 on 01/02/20

we are already with an iva company for two years, without any notice etc I was sent a letter stating...
by alfie228 on 01/02/20

Hi folks well iv just been passed onto an iva company called vanguard in Stockport anyone any...
by Colin351973 on 31/01/20

Foggy and kallis Thanks for your support I now have in hand my completion certificate Can't...
by katana2471 on 31/01/20

I am in an iva and my wife has inherent a house. Can they take that from us. It's her house and...
by gary628 on 30/01/20

Does maintenance loan effect my IVA?
by andrea455 on 30/01/20

Hi every one im new to all this iva stuff .I'm currentley in the process of applying for an iva...
by Colin351973 on 30/01/20

I have had a iva for 2 years now, I am expecting a injury claim some point this year after having a...
by katie584 on 30/01/20

Hi, I took out an IVA about six months ago, I regret doing it, as I'm very worried about when my...
by paul664 on 30/01/20

I have recently ended a relationship and he owns the house me and my children live in I need to move...
by l240 on 29/01/20

I finished my IVA in 2015 I was contacted by a firm in 2019 for PPI I may have paid on a egg card in...
by walter on 29/01/20

How can I obtain a copy of my IVA letter of completion issued in 1999 but which I no longer possess
by elsie on 29/01/20

Hi, My current account currently sits at £3500 overdrawn, I am barely able to make the current...
by simon927 on 29/01/20

hi I posted the other day regarding default dates on natwest accounts that were included in an IVA...
by Lisad0239 on 29/01/20

hello I entered into an IVA 4 and half years ago and it will run for a total of 6 years as I could...
by Rejjy666 on 29/01/20

hello, my partner was in an IVA which finished April 2018, we are in process of applying for a...
by paige504 on 28/01/20

I haven’t been in and IVA since April Last year and recieved my completition certificate in July....
by Pigger479 on 28/01/20