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IVA Misselling Questionnaire: Start
IVA Misselling Questionnaire
Based on the answers you provide within our mis-selling test, we will inform you as to whether we believe you may have been missold your Individual Voluntary Arrangement. If we identify a potential mis-sale, you will be asked to complete further questions. Please allow 10 minutes to complete the form.
Please click "Start" to proceed.
Misselling Test: Question 1
Were you aware of the fees in your IVA – these are normally £3000 - £5000
*
Yes
No
Misselling Test: Question 2
Were you aware that your personal details would be added onto a publicly available database of insolvent individuals?
*
Yes
No
Misselling Test: Question 3
Are you aware that your IVA may be subject to a Trust, meaning that your IVA really never completes until the debts are paid off in FULL?
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Yes
No
Misselling Test: Question 4
Would you describe yourself as "vulnerable" at the point that you went into your IVA?
*
Yes
No
Misselling Test: Question 5
Did you think the IVA was a government scheme?
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Yes
No
Questionnaire Result: Missold IVA
Results: It is highly likely that you have been mis-sold!
Based on the answers that you have provided, it is likely that you have been mis-sold your Individual Voluntary Arrangement (IVA) and could be due compensation.
Please click "next" to proceed and complete your personal information. Please ensure to provide answers to the questions as accurately as possible, in order that our experts can assess your case.
IVA Provider/Supervisor
Please select the name of your IVA Provider/Supervisor.
PLEASE NOTE:
Your IVA Supervisor may have changed throughout the course of your arrangement through sale or closure of the original business. Please select your current IVA Provider/Supervisor
* Select IVA Provider/Supervisor
*
Abbotts Insolvency
Financial Guidance Group
MoneyPlus Group
Anchorage Chambers
Financial Support Systems
NTF Financial Solutions
ARM Insolvency
Forest King
One Advice
Aperture Debt Solutions
Freeman Jones
Pareto Money
Barrington Shepherd
Hanover Insolvency
PayPlan
Bennett Jones
Harrington Brooks
Quality Insolvency
Carrington Dean
Jarvis Insolvency
The Insolvency Group
Carrington George
Johnson Geddes
The IVA Advisor
ClearDebt
Kingsgate Insolvency
StepChange
CreditFix
Knightsbridge Insolvency
Swift Insolvency
Debt Free Direct
Lawson Fox
Unity Corporation
Debt Movement
Logan Whyte
Vanguard Insolvency
Ebenegate
McCambridge Duffy
X-Debt
What is the current status of your IVA?
*
Select Status...
Active/Current IVA
Completed IVA
Failed IVA
In Arrears
What is/was your Monthly IVA Payment?
*
What was your Debt Level at the start of your IVA?
*
Select Debt Level...
£5000 - £10,000
£10,000 - £25,000
£25,000+
Is this application for Single or Joint IVA?
*
Single
Joint IVA
Who was the main point of contact for the setup of the IVA?
*
Myself
My Partner
Your Details
Name
*
First
Last
Date of Birth
*
DD slash MM slash YYYY
National Insurance Number
*
Email
*
Phone
*
Joint Applicant Details
Given that your IVA is Joint, please provide the details of the joint applicant
Second Applicant Name
*
First
Last
Second Applicant Date of Birth
*
DD slash MM slash YYYY
Joint Applicant National Insurance Number
*
Address Verification
Please confirm your current residential address.
If you have moved address since entering the IVA, you will also be asked to provide the address you resided at when you entered the IVA
Address
*
Street Address
City
Postcode
Did you live at this property when you entered your IVA?
*
Select...
Yes
No
Please confirm the address you were residing at when you entered the IVA
Address
*
Street Address
City
Postcode
What was your residential status when you entered the IVA?
*
Select...
Private Tenant
Housing Association/Council Tenant
Homeowner
Living with Family
Income/Employment Details for
Please provide your income/employment status from the time that you entered the IVA. These details are important to ascertain the suitability of an IVA at the point it was sold to you.
Employment Status
*
Select...
Employed
Part-Time/Zero Hours Contract
Self-Employed
Unemployed
Retired
What was your Job Role/Title?
*
Approximate Salary
*
Was your income heavily based on commissions/overtime at the point you took the IVA?
*
Select...
Yes
No
Did your income change heavily whilst in your IVA?
*
Select...
Yes
No
How did you income change?
*
Income/Employment Details for
Please provide your income/employment status from the time that you entered the IVA. These details are important to ascertain the suitability of an IVA at the point it was sold to you.
Employment Status
*
Select...
Employed
Part-Time/Zero Hours Contract
Self-Employed
Unemployed
Retired
What was your Job Role/Title?
*
Estimated Annual Salary
*
Was your income heavily based on commissions/overtime at the point you took the IVA?
*
Select...
Yes
No
Did your income change heavily whilst in your IVA?
*
Select...
Yes
No
How did you income change?
*
IVA Mis-Selling Report: Sale of the IVA
The below questions provide allow us to ascertain whether the sale of your IVA followed the best-practice procedures set by regulatory bodies. Please answer the questions as accurately as possible.
How did you begin speaking to your IVA Company – Type of Marketing
*
Select...
Google/Search Engine
Social Media - Facebook/Instagram/TikTok
Cold Call / Telephone Marketing
Referral - from other Debt Company
Other
How were you initially contacted?
*
Were you in a Debt Management Plan before being put into an IVA?
*
Select...
Yes
No
Did you believe that an IVA was a 'Government Backed' Arrangement?
*
Select...
Yes
No
Would you consider yourself 'vulnerable' at the point you were sold the IVA?
*
Select...
Yes
No
Explain why your were vulnerable
*
IVA Mis-Selling Report: Setup of the IVA
The questions below give us an idea of whether your Insolvency Company followed the correct procedures when setting your IVA up. Please answer them as accurately as possible.
Did you feel the Insolvency Company explained other options in detail, or pushed the IVA heavily?
*
Select...
Pushed the IVA
Explained other options
Did you sign your IVA documentation electronically, via a mobile/tablet/computer?
*
Select...
Yes
No
Did you have a vehicle on PCP Finance at the point you took the IVA?
*
Select...
Yes
No
Did the Insolvency Company advise you to change bank accounts at the start of your IVA?
Select...
Yes
No
Who did you bank with before the IVA began?
*
Please provide details of which bank you banked with prior to entering an IVA - i.e the bank you were using when your debt problems began.
IVA Mis-Selling Report: IVA Affordability
An IVA must be affordable and have a real prospect of completion. If the Insolvency Company has entered you into an unaffordable IVA, they have breached their regulations. Please answer the following questions as accurately as possible.
Was the monthly payment set affordable for you at the point you took the IVA?
*
Select...
Yes
No
Have you struggled at any point to manage your monthly IVA Payment?
*
Select...
Yes
No
Did your Insolvency Practitioner ask you to reduce expenditure or change/limit expenditure to be able to afford the IVA Payment?
*
Select...
Yes
No
Did you believe that the payment would be affordable for the duration of the arrangement
*
Select...
Yes
No
Were you made aware of the seriousness of an IVA, and the issues it would cause if your failed to maintain the payment - such as being made bankrupt?
*
Select...
Yes
No
IVA Mis-Selling Report: IVA Operation
Insolvency Companies must manage your IVA correctly, ensuring it operates without causing further financial hardship / distress. Please answer the below questions as accurately as possible.
Has your Insolvency Company increased the term of your IVA?
*
Select...
Yes
No
Has your Insolvency Company claimed any compensation back, with the amount being put into the IVA?
*
Select...
Yes
No
Has your Insolvency Company completed a review of your arrangement every 12 months?
*
Select...
Yes
No
Has your Insolvency Company asked you to try and release equity from your property?
*
Select...
Yes
No
IVA Mis-selling Report: IVA Completion
Estimated Date your IVA Completed
*
DD slash MM slash YYYY
Have you received your Completion Certificate/Report?
Select...
Yes
No
Insolvency Companies provide a 'Completion Certificate' confirming the end of your IVA. This usually comes with a report showing where the money paid into your arrangement has been dispersed.
Do you still have a copy
*
Select...
Yes
No
This can be in electronic or paper format
Over the coming days, we will contact you via email requesting a copy of your Completion Certificate - please therefore locate your copy.
Managing Your Debt
Given that you have identified that your Individual Voluntary Arrangement (IVA) has now failed, or is due to fail - you may currently be in the position of not knowing what to do you the outstanding debts.
It is important that we understand your current circumstances, given that any arrangement you have entered or will enter - may have an affect on how any compensation you may receive is paid.
Have you entered into any other Debt Arrangement (such as a Debt Relief Order or Debt Management Plan?
*
Select...
Yes
No
Which solution have you entered?
*
Select...
Debt Relief Order
Debt Management Plan
Bankruptcy
Other
Based on your answer(s) we would highly recommend you speak to our FCA Regulated Debt Advisory Partners. Our award winning partners, The Debt Advice Service are able to assist with arrangements such as 'breathing space' should you be experiencing contact from your creditors.
Please do also note that if you decide to not seek advice on how to manage your debts and they remain active - it will affect your eligibility for compensation.
Would you like to speak to our FCA Regulated Debt Advisory Partner?
*
Select...
Yes
No
IVA Report Questionnaire: Your Testimony
Your Testimony
A brief account from you of the reasons as to why you believe in hindsight your IVA may have been missold is incredibly important, as it forms the basis of your claim against your Insolvency Practitioner. Some examples of important information are:
The payments set were too high
The term of your IVA was extended
You were unaware of the high fees that were being charged
You felt pressured into an IVA without exploring other options (such as a Debt Relief Order)
You believe the information that was used to setup your IVA was changed/manipulated by your Insolvency Company (such as income, expenditure or debt level)
Important Note:The more information you provided about how you believe you were missold and the history of your IVA, the stronger your case so please spend some time providing your testimony.
Your Testimony
*
Authority to Act
Authority to Act on your behalf regarding the mis-sale of your IVA
By providing consent below, you are agreeing to your case being assessed to determine the potential mis-selling of your Individual Voluntary Arrangement. Once reviewed, our team will be in touch with you to discuss next steps and, if required, forward your case to external legal counsel for their opinion.
Signature of Claimant
*
Signature of Joint Claimant
*