Clearly offering a lump sum as a Full & Final IVA is not an option for many of us. If we had a lump sum then we may have already used it towards our debts. But st...
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The advantages of a Full & Final IVA over against a more normal fixed length of monthly payments IVA are fairly obvious. The 5 or 6 year IVA involves tight bu...
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A Full and Final IVA – Jane’s story
Jane explained that she had been struggling with debt since her late teenage years over 10 years ago. Overspending whe...
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The assumption often is that the IVA’s are fixed in length (usually 5 years) and based on affordable monthly payments. But there is a different sort of IVA that is based...
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Graeme did all the right things with regard to his debt. He researched options. He spoke to 3 different companies and didn’t allow himself to be pr...
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The arrival of Hannah was meant to be one of the happiest events in Felicity and her partner’s lives. And indeed it was. However, Felicity on sharing her stor...
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Looking back, Brian was unsure why he had been so reluctant to admit there was a problem with debt. All debts were paid on time, and because his outstanding credit r...
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Jane explained that she had been struggling with debt since her late teenage years over 10 years ago. Overspending when she first was offered credit led to pat of her in...
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One of the motivations for some people starting an IVA, is to deal with their debt, improve their credit rating and finally make a start on the property...
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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 necessary...
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