After starting our IVA - July 2010

My husband and I have been in our IVA period for over 6 months now and things couldn’t be better. We save over £700 a month on what we pay to our debtors under the IVA. We now only pay for things with cash. We now save £115 on our utilitie bills a year, after doing an hours research online (£115 an hour, not bad eh, haha). We also saved £30 a year on our home insurance.

You could say the one good thing that has come out of being in such massive debt, is that we have had to learn how to save on outgoings like utilitie bills and house insurance etc. In the days when money was just spent on anything at any price (on credit card) we didn’t care, as we never thought of what we were getting ourselves into, but now every penny has to be accounted for, and we are now starting to see the benefits.

We now have around an extra £1000 a month then we had before the IVA. We are looking at doing up one of the bedrooms and maybe the bathroom in a few months time. We have just booked a two week holiday to Rhodes, which again was paid for with cash. It’s seem really exciting now to be paying for eveything with cash. As you can probably imagine we don’t really use credit cards anymore and wouldn’t get a loan unless it was completely necessary.

The only credit card we do have is one with our bank which we use for our shopping, and the card does save us money at asda and on our petrol. I actually didn’t want the card but we were advised by our IVA company to get one as it help rebuild our credit rating, but only use it for certain items and to pay it off month on month. It’s definently not for any luxury items.

When I think back to the months leading up to us deciding to going for an IVA, I won’t lie, they were hell, I was scared. The pressure the credit card companies were putting on us really got to me. We thought that going for an IVA was going to be some kind of rip off scam, cos we just didn’t know the whole story behind them. Is it a scam, Is it not? After my husband saying he was gonna go for it after reading a few things online and filling in the IVA application form on www.ivaapplication.com, and that was the beginning of the road to our financial freedom. Thanks again to everyone at www.ivaapplication.com, I really don’t know where we’d be without your help.

Mr and Mrs Peterson, Lancashire.

IVA Application Form

Fill in the IVA application form in below to start the process for the IVA (Individual Voluntary Arrangement). A senior IVA specialist will contact you at your requested time to discuss your options.

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IVA applications form and debt help.

Below are a few of the benefits

When applying with our IVA application form an IVA can help reduce your debt by upto 70%!

You only pay what you can realistically afford if your an IVA application form is approved

The stress of your creditors chasing you will come to an end, they are bound by law to stop chasing for you payments

Get rid of the pressure of debt by applying with our IVA application form.

Why not get the ball rolling by filling in our IVA application form.

What is an IVA?

An IVA (Individual Voluntary Arrangement ) is an agreement between you (the iva application form applicate) and all your creditors. You and your creditors have to come to an arrangement which both parties are happy with. With you being happy with your new affordable monthy payments.

An IVA usually runs for 5 years (depending on your debt levels) and after these 5 years your debt can be settled and upto 70% of your debt can be wiped away.

Because of the way an IVA works it has to be set up by a licensed professional (IP) Insolvency Practioner.

The debt and interest you owe is actually reduced and frozen which is to help you as you get the IVA up and running, which is something we organise for you. So you don’t have to worry about filling in endless form.

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