Customer reviews, who runs the IVA and the fees. England and Wales. Available review scores are shown first.
Every IVA has fees. “No upfront fee” means they come out of your monthly payments. How IVA fees work
What the score means: customers’ rating on Trustpilot. It is not our rating and does not show whether a company suits you. These links are unpaid. How we compare
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Debt advice · IVA services
4.9 / 5 44,597 reviews on Trustpilot checked
IVA company for England, Wales and Northern Ireland. Your enquiry may go to an advice firm or an insolvency practitioner.
Fees: IVA fees apply. Creditfix only charges them if your IVA is approved, and they come out of your monthly payments.
Good to know: Enquiries may be passed to other firms. Companies in this group are not all regulated the same way.
IVA services
4.9 / 5 1,339 reviews on Trustpilot checked
Insolvency practice that sets up and manages IVAs. Debt advice comes from its sister company, National Debt Relief.
Fees: No upfront fee to set up an IVA. IVA fees are set by creditors and come out of your monthly payments.
Good to know: Mostly IVAs. Other advice is given by a different company.
IVA services
4.9 / 5 134 reviews on Trustpilot checked
Not-for-profit insolvency practice that sets up and manages IVAs.
Fees: No fee to apply. IVA fees still apply: one fixed fee spread over the IVA, paid from your monthly payments and agreed with creditors.
Good to know: Company-level reviews do not establish IVA outcomes or a practitioner’s licence.
Debt advice and DMPs · IVA services
4.6 / 5 4,405 reviews on Trustpilot checked
Free debt advice and free debt management plans. IVAs go to its sister company, PayPlan Partnership.
Fees: Free debt advice and free debt management plans. IVAs are run by a sister company, and IVA fees come out of your monthly payments.
Good to know: Creditors pay PayPlan donations to fund its plans. An IVA is run by a different company.
Debt advice and DMPs · IVA services
4.6 / 5 2,727 reviews on Trustpilot checked
UK debt charity giving free advice and free debt management plans. It also sets up and manages IVAs through its own subsidiary, StepChange Voluntary Arrangements.
Fees: Free debt advice and free debt management plans. IVAs have fees: they come out of your agreed monthly payment, with no up-front fee. It says IVA fees go back to the charity.
Good to know: Its advice and debt plans are free, but its IVAs, run by its own subsidiary, charge fees.
Debt advice and DMPs · IVA services
4.6 / 5 351 reviews on Trustpilot checked
Debt adviser with fee-charging debt management plans. IVAs go to its sister company, MoneyPlus Insolvency.
Fees: Debt management plan fees: £52 a month (or 49% of your payment, if lower) from your first payment. A £500 arrangement fee is taken from the same payments, in parts, for up to 18 months. Ask how much of each payment reaches your creditors while both fees are taken. IVA fees come out of your IVA payments.
Good to know: Its plans charge fees. Free plans are available elsewhere.
Equal scores: more reviews first, then A to Z. We provide information and comparisons. The company you contact will assess your circumstances. Elsewhere in the UK: Scotland · Northern Ireland
An IVA is not the only option. IVA or bankruptcy? · IVA or Debt Relief Order? · All debt-help companies