We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

IVA - my story

2»

Comments

  • ManyWays
    ManyWays Posts: 2,145 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    I too think you should never have been sold this IVA, but that doesnt mean there is much chance of getting it cancelled or ended early, I dont recall a case where this has happened. If an IVA is unaffordable, you can get it failed or ended early, but cases where you can afford the payments and just had a much better option than an IVA when it started several years ago, are much much harder.
  • Thank you guys for much and Happy New Year.

    It's frustrating because I thought I needed to pay back my debts and around £2,000 in fees. I didn't want to end up paying double.
  • ManyWays
    ManyWays Posts: 2,145 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    edited 31 December 2025 at 12:49PM
    It's frustrating because I thought I needed to pay back my debts and around £2,000 in fees. I didn't want to end up paying double.
    That is roughly right but the fees are more likely to be 3.5-4k.  As I said, ask your IVA firm when you will have repaid all the debts plus the IVA fees.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353.9K Banking & Borrowing
  • 254.3K Reduce Debt & Boost Income
  • 455.2K Spending & Discounts
  • 247K Work, Benefits & Business
  • 603.6K Mortgages, Homes & Bills
  • 178.3K Life & Family
  • 261.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.