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IVA Forum Topics

Hi, Does anyone have experience of making an offer and the process of a full and final with...
by simon363 on 20/05/22

Evening All, I'm just trying to work out numbers to put forward a F&F offer to PayPlan to propose...
by simon363 on 20/05/22

Hi Experts, I would like to ask you for an advice. I left UK at the end of 2017 and came back home...
by uowieczka on 20/05/22

Hi guys ,on 3rd of May I have paid the last payment on my 5 year Iva,few days ago I spoke to one of...
by David888 on 20/05/22

How does a self employed person show Proof of Income to a landlord?
by Noah Peter on 20/05/22

Hi All, My apologies if a version of this post has already appeared as I tried posting yesterday...
by DapplesES on 20/05/22

What Credit Score Do I Need To Lease A Car?
by Noah Peter on 18/05/22

Hi everyone 2 and a half years almost into my iva no glitches ! .Iv actually found ebenegate ok so...
by Colin351973 on 16/05/22

Hello hello, This may be a question beyond anyone BUT I have been advised my by IVA people that I...
by bee900 on 15/05/22

Hi I have had car finance agreed and am waiting to pick up my car in 6 weeks. I have now decided...
by JoshuaLouie20 on 15/05/22

I have reserved a new build house that is due to be ready Jan-Mar 2023 and am due to finish paying...
by Lolaclare on 14/05/22

I have just been given the nod by our friends over at Debt Camel that Vanguard and it's associated...
by Foggy on 13/05/22

HI All, I have a question please regarding taking up the post of a trustee, as I have been...
by reeves55 on 10/05/22

Hi, as the £150 energy rebate scheme has kicked off, does the whole amount supposed to be all paid...
by Neleh on 09/05/22

Hi. I am about to enter an IVA. I have read lots but I wanted to ask still especially people who are...
by Cris2 on 05/05/22

I have made an offer to pay of the remainder of my IVA (with Payplan) in July of this year when it...
by Lolaclare on 05/05/22

Hi. Is anyone here on IVA and living abroad? Is it doable? Thanks.
by Cris2 on 05/05/22

Hi all. So I’ve sent all of the relevant paperwork over to Creditfix as I’ve had a pay rise and...
by Jo.c89 on 02/05/22

Hi everyone! So I’ve been reading some advice on this forum which has been a life saver. I’ve...
by SweetPea on 29/04/22

How charge cards influence your FICO assessment?
by kenneth51 on 29/04/22

So, I have just been through the re-mortgage / secured loan conundrum and as of December this year...
by mel865 on 28/04/22

Hi all, Yorkshire Water is included in my IVA finalised on the 31 August 21. I wasn't in arrears...
by surfingruthie53 on 27/04/22

Hi, new here and been in an IVA around 8 months. I have 2 children and finally passed my driving...
by Jeseva on 26/04/22

My wife had an IVA which started in Dec 2016 and was settled in August 2019. A debt is showing as...
by mrkrabs on 25/04/22

Hi Guys Month 54 has arrived and Unity want me to Equity Release using SP This is so stressful!...
by wakeywakey on 24/04/22

Hi people, first of all this forum has been a life-send for me. The advice is great. I submitted a...
by Daleclark89 on 21/04/22

If you are in an IVA it would be against the terms of the agreement and you are unlikely to pass a...
by Foggy on 18/04/22

So I’m around 8 months out now from finishing off my IVA and as daft as sounds I’ve only just...
by Crumlin on 17/04/22

Hi, I started my IVA in Jan 2020, I'm in my IVA for six years. I started out paying £96 a month...
by clare357 on 16/04/22

Hi I am at month 54 of my IVA and was asked to raise £64K equity on a remortgage: my outstanding...
by tracy3167 on 15/04/22

Hi, I have been dismissed from my job and paid 12 weeks notice of lieu, will my IVA need a...
by B b bur on 15/04/22

Hi all! Currently living on my nerves. Following ex losing his job, then refusing child maintenance...
by Shakey79 on 10/04/22

Hi, all so the cost of living has swamped me, problem is we were in an IVA about 5 years ago as well...
by indebtyetagain on 09/04/22

Hi My IVA is due to drop off my credit report at the end of May. How many points does my credit...
by Hampshire22 on 08/04/22

Provide the landlord with a copy of made up accounts and / or recent tax return. Maybe certified by...
by Foggy on 08/04/22

Hi everyone! I’ve been a lurker for a while but finally joined today after my IVA proposal was...
by rpick on 05/04/22

We will be 3 years into our iva in july. All gone smoothly so far. We already had a car on finance...
by nicola715 on 04/04/22

So today I was paid rest of my holidays from 21-22 that I can’t take due to Covid and not being...
by Lauren1995 on 04/04/22

Hi All, I expect that this may have been asked already but if not...here goes. I have just had my...
by randomdude on 03/04/22

Good Afternoon everyone Just wondering if anyone had an insight to this. I’m just going through my...
by Bob451 on 01/04/22

Hello, We currently within an IVA, however we are struggling to make our agreed payments due to a...
by Jake1195 on 01/04/22

Hi.. We made our final payment for our IVA back in September last year so are in our last year of...
by Dragonforce on 27/03/22

Hi, a few questions , Sorry if it’s a repeat but I’ve tried to find the answers. My partners...
by Daleclark89 on 25/03/22

Hi everyone! Just had my second review, all is well and payments went up by £10. My son will be...
by Jo.c89 on 25/03/22

So yesterday I received a text from Creditfix re. the cost of living. They said that, based on the...
by Amud on 19/03/22

Hi! My husband and I took out an IVA in June 2019. We currently pay £185 per month and have 27...
by Raeraeobi on 17/03/22

Hi, I'm new to the forum and the iva process. Iv just opened my new bank account and waiting for the...
by Soashamed on 16/03/22

Hi everyone. We started our IVA in June 2020 with Payplan and the total debt we owe according...
by Bexlou79 on 16/03/22

Good afternoon everyone I’ve just had my 2nd review on my Iva and I just can’t cope now when I...
by Ben93 on 15/03/22

Afternoon, all :). I need a little help, and where better to come initially than here first! I...
by Amud on 14/03/22

Hi All I currently have 10 outstanding payments on my IVA 10 × £85 I'm four years into this and...
by Craigynic10 on 12/03/22

Evening all. I used to be a regular poster on here (dand) but forgot my login details... I took an...
by Dand2 on 10/03/22

Hello, I’ve got an opportunity to exit my Iva early via a sprout loan, but they offer 85% of the...
by Aceshigh1993 on 07/03/22

Hi guys, Can I ask for opinions please. I’m submitting a ffs with the plan of selling my house...
by Newneg789 on 07/03/22

Hi All My employer has just introduced a new bonus scheme, which is connected to the companies...
by simon363 on 04/03/22

I have a variation meeting booked for end of month with a settlement offer. I own a property with...
by Teencats7 on 04/03/22

Good morning My husband went self employed via the CIS scheme midway through the last tax year and...
by sosilly on 04/03/22

Hi, I am really worried as I know nothing about this process. Me and my ex bought a house. Not...
by Worriedmum88 on 01/03/22

Hiya I'm in my 5th year of the iva. No problems so far. Own a property with my daughter who wants...
by Teencats7 on 01/03/22

What is your current source of income ? You will need an address.
by Foggy on 28/02/22

Not so much a question but a wonder how many of us will cope with all the price rises. Luckily I’m...
by diego_sucre on 25/02/22

Any one heard of this company? As have had two silent voice mail messages left by an 0330 380 1772...
by j.ct on 25/02/22

Hi there, I am thinking of moving house and I’m looking at selling and buying cheaper elsewhere...
by Newneg789 on 21/02/22

Hi Been in an IVA almost 4 years, originally with Middlebrooks (who were fab). They transferred me...
by Sjs.80 on 21/02/22

Hi, currently it's February 2022 and I'm wondering what sort of timeframe it takes for an IVA to be...
by chrislee999 on 20/02/22

Hello Me and my partner are looking to get a mortgage together in a couple years when my IVA has...
by Bubbly on 17/02/22

I sent my application on 12th January, had my meeting today and offer was accepted! So relieved and...
by Amym1305 on 16/02/22

Hi all, First of all - pleasure to meet you all. I hope you're all well :). I signed into an IVA...
by Amud on 15/02/22

It's a bit of a long one so bare with me. I initially went through Creditfix who couldn't get the...
by COB on 15/02/22

Hi. I want to open an account with my Mum with maiden name and put the address of my parents. Can...
by Irma on 13/02/22

Hi....i'm in my 5th year of my IVA with Payplan praise the lord. My student loan repayments of...
by Coline81 on 07/02/22

Appealing to the knowledgeable in here. I put a F&F forward early November, long story short the...
by Exhasperated on 04/02/22

Hi All, I've got an IVA with PayPlan and have been making payments as per my IVA commitments. In...
by simon363 on 03/02/22

Hello again! So I started the ball rolling for a full and final settlement back in October 2021 ...
by SweetPea on 03/02/22

Ots been a year since I've started my IVA. Ebengate has not been in touch about my annual review....
by Linka17 on 01/02/22

If you satisfy the criteria for getting a loan (credit checks and lenders policies, etc. ) then you...
by Foggy on 01/02/22

Hi I'm in my last year on my iva it was due up July 2021 rather than release equity in June ( I was...
by clarel1981 on 31/01/22

Very unlikely whilst bad credit history a home loan will be offered readily. I would speak to one...
by luluj on 12/02/22

Hello! I'm finally free of the IVA! Had a variation meeting yesterday and my full and final has...
by jman369 on 28/01/22

Hi All, Hi I am currently on an IVA with stepchange, the total I owe on the IVA is £12120 and have...
by Mark24 on 28/01/22

Hi my IVA started on 04/02/2019 and was completed via a full and final settlement on 29/01/2021 Like...
by nigel710 on 27/01/22

My husband is preparing an IVA proposal. Included in the proposal are capital funds that I have...
by sue321 on 24/01/22

Hi, i've recently entered into a iva. As it was my debt my problem i said no to a partner and child....
by Fasty on 24/01/22

Hi All, I have recently taken out an IVA on £31,000 of debt. This started in December. I was...
by A_MPK88 on 23/01/22

Hi. My husband lost his job this week, after seven years with the company. At nearly 60 we are...
by Jackdaw on 22/01/22

I've had an IVA since December but my creditors are still reporting missed payments that are going...
by Charlie1096 on 17/01/22

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