Cost of Living – The power of a packed lunch
School holidays are upon us and it’s not realistic to think you won’t spend more over the summer. If you have school-aged children, that’s likely to mean days out, trips, treats and probably some tantrums too
How To Cope With The Cost Of Living Crisis
We didn’t want to write *another* cost of living crisis blog, but unfortunately the rising energy, fuel and food prices aren’t going away and it’s highly anticipated that the UK is heading for a recession. Whilst it feels a bit doom and gloom there are positive & proactive things you can do to help your …
Breathing Space – The Debt Respite Scheme
There is a natural sense of vulnerability in exposing the truth about one’s finances and it’s this sense of vulnerability that often leads to symptoms of stress and anxiety.
Coping with the cost of living crisis.
With the well-documented coverage on the increasing costs of energy prices, weekly food shops and interest rates (known as the cost of living crisis) many families will be feeling the pinch.
What is an ‘IVA Proposal’
The proposal contains a complete assessment of the personal and financial circumstances of the applicant, laid out for the creditors to consider.
The IVAorg Essential Guide to IVAs
The team behind IVAorg CIC have over 100 years combined experience across the IVA sector and have helped thousands of people to successfully complete their IVAs. In order to help you navigate your way to debt freedom, we’ve come together, pooled our extensive knowledge and experience and created the ‘The Essential Guide to IVAs’, offering …
How do you know you’re receiving sound debt advice
Having a diligent approach, I believe, forms the cornerstone for the provision of sound debt advice. Good debt advisers are like guides. They need to take the time to develop an understanding of their client’s circumstances, before offering any advice or proposing any solutions. This might sound obvious, but a debt adviser needs to understand …
Why the need for a new approach?
Background There has been a substantial increase in the number of IVAs being entered into over the past 6 years, largely as a result of changes in the regulatory landscape. In April 2014, the Financial Conduct Authority (FCA) were tasked with introducing stringent regulations into some previously unregulated areas within the debt management sector, when …
Helping you decide what’s right for you: IVAs and the alternatives
It can be difficult to find reliable information online at the best of times, but when it comes to finding reliable and trustworthy information on how to solve a debt problem, it can be a nightmare. So, in this blog I’ll provide you with a general overview of what you need to do to get …
Introduction to IVA.org
Debt is an issue that touches many people’s lives and it’s an issue that we’re all too familiar with, here at IVAorg. I’d like to start this blog by introducing myself and IVAorg to you and talk a little about who we are and what we do. My name is Iain Wrenshall and I’ve been …
