Individual Voluntary Arrangement (IVA)

What is an IVA?

An Individual Voluntary Arrangement (IVA) is an agreement made with your eligible creditors to address your unsecured debts. You are required to make monthly payments to your arrangement (normally for a period of five years). Once the IVA successfully completes the remaining debt is written off. Although various types of unsecured debts can be included on an IVA there are some exclusions. Any debts that are not included within an IVA will still need to be paid as normal.

Continue to the next section How does an IVA work?

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Our customers get access to additional services to help improve their financial circumstances. These include:

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Legal advice on associated debt issues

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Benefit and entitlement checks

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Check out our easy-to-read articles and helpful guides if you have any questions about managing your money or if there’s something you just don’t understand about your debts.

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Signposting to services

If you're struggling with debt, you might also benefit from access to additional support services. Our signposting to services page provides details of relevant charities and other organisations that could help you.

What is an IVA?

Getting free impartial advice

Get help now

Compare Packages

Additional Customer Benefits

Looking for friendly help and advice?

Free Debt Guides

Money Saving Tips

Money Management Guides

Credit Report Advice

Top articles

Turned down for credit: What you can do

My IVA is over – what will happen?

What’s the difference between a bailiff and a debt collector?

What is your financial review?

Signposting to services