Terms & Conditions

The Debt Slider

The Debt Slider is designed to provide an illustration of the relationship between any given debt level and the typical minimum monthly payments creditors would require in order to consider an IVA as a viable debt solution.

In practice, an IVA's payments are always based on what is deemed affordable for the applicant, when their personal circumstances have been assessed.

The Debt Slider should be used only for illustration purposes only as it does not show the guaranteed payment level of any given debt.

Furthermore, the Debt Slider does not take into account any aspect of the introduction of equity as required under the homeowner's equity clause, or the extra payments that may ensue if the IVA is extended for any reason.

We strongly recommend that you call our helpline on 0800 856 8569 so one of our experienced IVA advisors can discuss how an IVA will be tailored to suit your individual circumstances before you contact an Insolvency Practitioner.

IVA.org Limited accept no liability for any reliance placed on the results provided by the Debt Slider or the contents of the Debt Slider or the IVA.org website. Should you choose to rely on the information provided without seeking further advice from us, this is done so entirely at your own risk.

The Debt Report

All Debt Reports are designed to provide general advice with particular reference and regard to the details entered into the application form.

If you are researching the prospects of entering into an arrangement with your creditors, be it an IVA, bankruptcy, a Debt Management Plan, a Debt Relief Order or if you are simply considering refinancing, it is crucial that you discuss your circumstances with us, as this may affect the advice we provide.

IVA.org Limited accept no liability for any reliance placed on the results provided by the Debt Report or the contents of the Debt Report or the IVA.org website.

Should you choose to rely on the information provided without seeking further advice from us, this is done so entirely at your own risk.

Emails

Any emails and any files transmitted with them are confidential and intended for the intended recipient(s).

If you are not the intended recipient you may not copy, distribute or act on the email. If you have received the email in error please notify the sender and then delete the email and any attachments.

Links

Any external links to other websites are provided for information purposes only. We take no responsibility for the content found on them and we accept no responsibility for any loss or damage that may arise from your use of them.

We welcome inbound links to any of our content but we respectfully request that you obtain our permission beforehand. Please send an email to enquiries@iva.org with the relevant information regarding the page you intend to link to and the corresponding website where the link will be placed.

General disclaimers and terms

This website is intended for the provision of information for residents of the United Kingdom ("UK").

All illustrations and information is offered for the benefit of visitors to this site as general information and does not constitute professional advice.

Although we try our best to make sure our content is accurate and current, visitors are advised to contact us prior to taking any specific action as a result of reading any information on this site.

We do not accept any responsibility for any use made of the examples and illustrations presented on this website.

Furthermore, we accept no liability or responsibility whatsoever for any loss or damage suffered by any user of the information contained in this website or the material downloaded from it, or from any material contained on any third party websites linked to our website, or from any internet software used in connection with our website, computer viruses or other destructive programs encountered as a result of using our website.

Copyright and trade mark © 2010 - 2014 IVA.org. All rights, save as expressly granted, are reserved.

"IVA.org" is a registered trade mark of IVAorg Limited and the contents of this website are the copyright of IVAorg Limited. Reproduction of the contents is only permitted in accordance with the following terms:

You may view the site and download any part(s) of it to a personal computer for private viewing for private purposes. You may not (a) store it (or any part of it) other than for the purposes set out in this paragraph, (b) print out copies except for your own personal viewing for private purposes, or (c) reproduce, copy or transmit it (or any part of it) in any other way for any purpose or in any other medium, without our prior written permission. You may not alter the content in any way.

File downloads

As a user of this website, certain pages may provide free file downloads. IVAorg Limited allows you to access files that we believe may be of use to you.

This facility is provided as is, and we cannot be held responsible for any losses, whether direct or indirect, from the use of this facility. Files that are made accessible are not encrypted.

We reserve the right to remove or update these documents at any time. It is your responsibility to ensure that you have adequate protection against malicious code on any computer that you use to download such files including, but not limited to, anti-virus software and a reputable firewall.

Data Protection Policy

Privacy and Data Protection

IVAorg Limited is committed to protecting your privacy on-line and ensuring that all personal data is collected and stored in accordance with the Data Protection Act 2018.

Wherever possible, we automatically log each visitor's domain and IP address to help better understand site usage, so that we may improve our service to you.

We do not identify the user but only the computer that is being used to view the site.

We use cookies to temporarily store information. Cookies are specific to the server that created them and cannot legally be accessed by other servers, which means they cannot be used to track your movements around the web.

You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies. However, if you select this setting you may be unable to access certain parts of our site. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to our site.

For more information view our Cookie Policy.

We have taken relevant security measures to protect any personal data received from loss, misuse and alterations of customer data under our control. While we cannot guarantee that loss, misuse or alterations of data will not occur, we use our best efforts to prevent this.

When requesting information, you may be asked for your email address, and/or your name and postal address in order to send this information to you. We will not pass your details to any third parties unless it is in relation to the services you have requested we carry out on your behalf. We may pass your details to another group company in connection with any services you have requested we carry out on your behalf.

Should you wish to discuss our privacy and data protection policy or to unsubscribe please e-mail info@iva.org.

Complaints Procedure

The team at IVAorg Limited are committed to providing a high quality and friendly service. However, on occasion we may fall short of the high standards we set for ourselves and have, therefore, put in place the following complaints procedure

IVA.org fees

IVAorg Limited is a 'Not for Profit' organisation, a company limited by guarantee, which is run for public benefit rather than shareholder returns. We do not charge any direct fees for the advice and support we provide to our clients and there is no obligation to use our services once you have received advice or support from us.

We are funded through payments received from external Insolvency Practitioners for the intermediary debt resolution work we complete on their behalf. They pay us from the fees they receive for their services which, in most circumstances, are paid by creditors.

IVA fees

The Insolvency Practitioner's fees are payable from IVA contributions that you make and will be detailed in the IVA proposal. These fees may be calculated as a percentage of contributions paid by you, or as a fixed fee or on a time cost basis. It will be for the creditors to decide the basis and amount of such fees.

No fee is paid in addition to the contributions you make and, in effect, creditors take the burden of the fees as they come from the contributions you make towards your debts.

Protected Trust Deed (PTD) fees

The Insolvency Practitioner's fees are payable from PTD contributions that you make and will be detailed in the PTD proposal. These fees may be calculated as a percentage of contributions paid by you, or as a fixed fee or on a time/cost basis. It will be for the creditors to decide the basis and amount of such fees.

No fee is paid in addition to the contributions you make and, in effect, creditors take the burden of the fees as they come from the contributions you make towards your debts.