Is there an IVA Charity?

My IVA Adviser is proud to offer a No IVA = No Fee policy, although we are not an IVA charity.

Most enquiries we receive relating to Charity IVAs stem from a misconception that Charity IVAs are free, or the IVA fees will be paid by a charity.

Some people believe that it's possible to apply for a 'Charity IVA', or apply for an IVA through an IVA Charity, but this simply in not true.

All IVAs Have Fees

Under UK law, an IVA can only be administered by a licensed Insolvency Practitioner and all Insolvency Practitioners charge fees for the work they do.

As a result, all IVA's have fees. But the IVA's fees are paid for by the creditors, because they allow the Insolvency Practitioner to draw the fees from the money the IVA applicant pays back.

Debt help charities

There are some charity organisations that offer free debt help, but these debt charities will refer IVA cases to their insolvency practices, set up specifically to administrate their IVAs and they, too, charge IVA fees, just the same as all insolvency practices do.

So the issue over IVA fees shouldn't be the deciding factor when choosing a representative for your IVA application.

Indeed, primary consideration should be focused on whether you are comfortable with the advice you're receiving and whether your adviser is supporting you through the application process.

No upfront fees

You should also make sure the company you use operates a No IVA = No Fee policy.

My IVA Adviser is proud to operate a No IVA = No Fee policy which guarantees that you'll not face any IVA charges in the event that your IVA application is rejected by creditors.

Apply For An IVA

We understand that this is the most difficult step for you to take but we'd like to reassure you, we are not here to judge you, we are just here to help.

All our consultations are free, you're not obliged to follow our advice and our conversation will be held in the strictest confidence.

If you would like to discuss an IVA application with one of the My IVA Aviser team, please call 0800 088 7503 or alternatively, complete this form and one of our advisers will call you at your preferred time.

Ask for Help

Key Information
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  • You can always get in touch to ask us what personal data we hold and to correct and update your data if anything changes. For an overview of your rights check out our Privacy Policy.
  • By checking the “Agreement and Consent” box you agree and give your consent for us to use your information for the purpose described.

In accordance with the Financial Conduct Authority's guidance, please follow this link if you would like to read a free guide about 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.

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