Latest Articles

Main image

HOW TO SURVIVE AN IVA - GETTING THE RIGHT PERPECTIVE

The trials and tribulations of life in an IVA need to be set against a context of life before the IVA began. Many of our contributors have been hone... Read more
Main image

HOW TO SURVIVE AN IVA - RELATING TO THE IVA COMPANY

The stories highlighted in this book have been largely unedited save for a few typo’s and grammatical errors. Stories have not been left out be... Read more
Main image

HOW TO SURVIVE DURING AN IVA - MINIMISING OUTGOINGS

One of the common themes of the stories from those who have undertaken an IVA is the need to live within a stricter budget. This involves care in whe... Read more
Main image

HOW TO SURVIVE DURING AN IVA - MAXIMISING INCOME

To be honest, it’s difficult to increase income during an IVA without it affecting the IVA payment level. This payment level is based on affordab... Read more
Main image

HOW TO SURVIVE LIFE AFTER AN IVA - Saving money

One of the main reasons people get into debt in the first place is that we have no emergency fund. When something essential goes wrong (boiler, car nece... Read more
Main image

HOW TO SURVIVE LIFE AFTER AN IVA - Further debt problems

Despite the many the many success stories – lessons learned, vows of no further credit, rebuilt credit files and mortgage applications acc... Read more
Main image

HOW TO SURVIVE LIFE AFTER AN IVA

Money management should be an essential part of our school curriculum. Thrust out into the world with its bewildering choices and endless opportunities, we need some pr... Read more
Main image

HOW TO SURVIVE LIFE AFTER AN IVA - Money Matters

The American millionaire Rockefeller was once asked “how much money does it take to make someone really happy”.  “Just a little b... Read more
Main image

IVA life stories - variation meetings worked for us - Omar’s story

About 7 years ago we got into a bit of financial trouble and every month we were struggling to make ends meet with hardly any money... Read more
Main image

IVA life stories - from joint DMP to single IVA - John’s story

I found myself getting deeper into debt in 2010. I was in a relationship and my partner at the time just loved spending money that we ha... Read more
Main image

IVA life stories - dealing with overtime money - Lucy & Mike’s story

My husband & I decided upon an IVA after accruing a lot of unmanageable debt in our 20’s. After starting a family we fou... Read more
Main image

IVA life stories - coping with the annual review - Amanda’s story

I ended up considering an IVA option after several redundancies and 2 long term relationship failures all combined within 5 years. Mo... Read more
Main image

IVA life stories - proud to be debt free - Amit's story

 I am sharing here my personal experience and hopefully it will be helpful for quite a few people.   In the year 2010 I ended up in h... Read more
Main image

IVA life stories - overcoming my pride - Christopher's story

My story began several years ago when my wife had to give up work with a serious back complaint, at that time I had one son in university an... Read more
Main image

IVA life stories - I was a guarantor for someone else - Darren's story

My story starts approximately 8 years ago, summer 2009. Like most people I had debts such as credit cards, loans and overdrafts bu... Read more
Main image

IVA life stories - just one tip - make the call - Karen's story

My previous long term partner was a successful businessman and during the financial crash was left unemployed. During the years that foll... Read more
Main image

IVA life stories - my best decision - Rob’s story

My difficulties began when I split from my wife in 2009. We had 1 child between us and 2 that older kids that were from her previous relationship.... Read more
Main image

IVA life stories - too many debts – Christine’s story

We found ourselves with too many debts and not enough money to cover the monthly payments.   Even the credit card minimum payments we... Read more
Main image

IVA life stories - coping on my own - Orla’s story

My ex-husband and I found ourselves in a lot of debt since purchasing our first home, then our next home.  The second home was a mortgage that... Read more
Main image

IVA life stories - I wanted to repay what I could - Roz’s story

Life can throw all sorts of situations your way. I was in a well-paying job, had just taken out a new mortgage, had a car on finance,... Read more
Main image

IVA life stories - light at the end of a very dark tunnel - Sadaf's story

When I used to think of an IVA I thought of bankruptcy, losing my home, getting this black mark against my name for the rest of... Read more
Main image

IVA life stories - learning about money - Dian's story

I have never been good with money, I grew up in a single parent family where money was always short, but I was never taught about paying bills, sa... Read more
Main image

IVA life stories - my wife hid our debts - Mick's story

My story starts back in 2008, when I opened a letter from a Credit card firm, stating that I and my wife had defaulted on the card – and th... Read more
Main image

IVA life stories - fear and hope - Elizabeth's story

I was living each day and trying to keep up with bills, food and expenses working to try make ends meet. The credit card took the pressure off most... Read more
Main image

IVA life stories - regaining control - Belle’s story

I didn’t really have much of an idea about what an IVA was. I’d seen it mentioned in the same sentences as things such as bankruptcy a... Read more
Main image

IVA life stories - almost there – Natalie’s story

We were only 18 when we got our first mortgage my husband lost his job a few years later and we started to live off credits cards and loans and did... Read more
Main image

IVA life stories - further lessons on budgeting – Terri & Tom’s story

We entered into an IVA due to unmanageable credit card debt and overdrafts. Paying the minimum monthly payments was pushing ou... Read more
Main image

IVA life stories - re-evaluating our outgoings - Lukas’s story

My family and I were struggling due to unfortunate life circumstances. I had a stable job, whilst my wife stayed at home with my son. U... Read more
Main image

When enough is enough - Dane’s story

After years of struggling to pay bills and debts, my wife and I finally decided enough was enough and needed to seek help. My wife's anxiety was at an all-time hi... Read more
Main image

Coping without credit - Tanya’s story

My IVA journey started when I moved to a new house which needed work doing to it. I employed a family friend to carry out the work, unfortunately he took all the... Read more