This IVA Calculator and IVA Helpline is provided by Vincent Bond & Co Ltd. Read Disclaimer.
This IVA calculator is approximate and should only be used as a guide. Please seek professional information before making a decision on how to best deal with your debt situation. Please read this important information.
Iva.com does not charge you any fees for use of this site or the IVA Calculator. IVA.com is owned and operated by Vincent Bond Ltd. Vincent Bond Ltd does not charge any set up fees, management fees are applicable for some debt solutions. Please refer to the vincentbond.com website (link) for more information regarding services and fees.
Before entering into any debt solution you should ensure that you have considered the implications. Failure to keep up with repayments can result in bankruptcy or legal action. Lenders are not obliged to accept less in settlement of a debt than they are entitled to or to freeze interest or charges. Not all solutions involve debt write off and some solutions may result in the total amount payable increasing, or the period over which it is to be repaid increasing. Debt solutions will affect your credit rating which records all financial activity for 6 years.
The debt solutions depend on your criteria and circumstances; including how much you owe and how many creditors you owe money to. You need to speak to a debt advisor to obtain a full assessment.
In order that we don't break our promise of outstanding customer service, we allow you to track all work done on your case in realtime.
Log in to see calls made, emails sent, correspondance with creditors and summary of your case
You can monitor the status of our negotiation - reducing interest and charges is not guaranteed but any reduction means you will pay off your debt sooner.
We are proud members of DEMSA whose code of conduct is approved by the Trading Standards Institute.
Vincent Bond is a protocol-compliant debt management company. This status was approved by The Insolvency Service.
The Insolvency Service guide to dealing with creditors for those struggling with debt: In debt - dealing with your creditors.
To find out more about managing your money and getting free debt advice, visit Money Advice Service, an independent service set up to help people manage their money.
iva.com is a trading name of Vincent Bond & Co Ltd.
Company Registration: 6391514 | FCA Interim Permisssion: 610257
Vincent Bond & Co Ltd is Authorised and regulated by the Financial Conduct Authority.
IVA.com is a trading name of Vincent Bond & Co Ltd. We can advise you on all possible solutions to ensure you are able to make an informed choice. We are able to provide initial advice over the phone without charge, however, if a debt solution is taken out, please be aware that fees will be charged. To view our terms and conditions and for further information on fees, please click here
For all solutions, stopping payments to your creditors may place you into further arrears and it is likely that your ability to get credit will be affected. For debt management plans we cannot guarantee a reduction in interest or charges and repaying your debt over a longer period of time can increase the total amount to be repaid. In compliance with Distance Selling Regulations you have a 14 day cooling off period in which to cancel your plan. Calls to our free phone number may be charged from mobiles and other networks.
To view an worked example of an IVA click here.
To view our complaints policy click here.