Enforcement agents should be respectful of the religion and culture of others at all times. They should carefully consider the appropriateness of undertaking enforcement on any day of religious or cultural observance or during any major religious or cultural festival.

Enforcement action should only be carried out between the hours of 6.00am and 9.00pm, or at any time during trading hours, unless otherwise authorised by a court. Existing legislation must be observed. .


 Write off Bailiff Debt

 Stop The Bailiffs

 We Work With The Bailiffs

 Stop Court and Enforcement Action

 Free Impartial Advice Service

 Takes Less Than 20 Seconds To Check

IVA Calculator

Your Privacy Is 100% Safe With Us

Fantastic Help

IVA Debt UK are very helpful and sympathetic
and sorted everything quickly with no fuss.
I thoroughly recommend them.


IVA Debt UK handled the affairs of my husband and I. We found them to be trustworthy, efficient, helpful and understanding.

We Deal With All The  Bailiffs 

Help With Bailiffs 

What Is A Enforcement Agency or Agent

Enforcement Agency: The business that employs enforcement agents, unless specifically indicated (where different arrangements exist); we also include those public sector organisations that have in-house enforcement agents

Enforcement Agent: Someone who is responsible for the enforcement of court orders against goods (warrants of control) or the person (arrest warrants); we include those employed in the public and private sector, bailiffs and High Court Enforcement Officers

IVA calculator
IVA reduce debt

Code of Conduct

All enforcement agents, public and private, the enforcement agencies that employ them and the major creditors who use their services must follow standards set out for the enforcement agents (Bailiffs). Private sector enforcement agents who are recovering debts owed to the public sector perform the vast majority of enforcement work

There a set of common standards to cover this activity supporting the underpinning legislation. In order to improve the the standards set by the enforcement agents (Bailiffs) we work with you and the bailiffs to get matters resolved as soon as possible as the bailiffs must maintain high standards of business ethics and practice.

Council Tax


What Are Council Tax Bands?


There can be serious consequences if you can’t pay your council tax arrears. However the amount paid is based on factors such as age, income, tenants living with you and the value of your home. Local authorities often act quickly if council tax payments are missed as they are given extra legal power to collect them. As a result of this, Bailiffs could be visiting your property.

How Is Council Tax Paid?

You will receive an annual bill in March of every year stating how much needs to be paid towards your council tax bill. You can however spread the cost of your bill by paying in weekly, or monthly instalments. Although council tax bills often show payments over 10 months, if asked, your local authority must let you pay over a 12 month period.

What Are Council Tax Bands?

Local councils set the amount of council tax you need to pay based on your council tax band. They are calculated by looking at the value of your property at a certain time. April 1991 in England and Scotland, and April 2003 in Wales. Northern Ireland kept the old system of domestic rates and in 2007 changed to a modified system.

Council Tax Reduction And Relief

You may qualify for council tax relief, which is a way to reduce your council tax bill if:

You live on your own, you’re entitled to a 25% ‘single person discount’. Also, some people are not counted when working out council tax. If you live with an apprentice, a full time student or a person who is significantly mentally impaired you may still qualify for a 25% discount.

You may also qualify for a reduction of your council tax if you’re on a low income. Local authorities have different thresholds for who qualifies.
You need to ensure that you let your local authority know if your circumstances change so they can send you an updated bill.our job).

Your insolvency practitioner will also review your financial circumstances once a year: you will need to show them similar paperwork as during the IVA application process. This is to make sure that your monthly payments are neither too high nor too low.

Arrears or Missed Payments

You will be sent a reminder letter if you are more than 14 days late paying a council tax payment. If you make the payment within 7 days of the reminder letter then you can keep paying your council tax in instalments.

However, if you fail to do this you can be asked by your local authority to pay the whole council tax for the rest of the year. You are then given 7 days to pay the whole amount before the local authorities can take you to court. Your local authority then has several ways to collect the unpaid council tax, the most common ways are using Bailiffs, using your wages to take payments straight out using an attachment of earnings. And taking payments from your benefits.

Is Your Council Tax Bill Wrong?

You should always contact your local authority first if you are having any problems regarding council tax.

If you feel that you have been unfairly treated or your council tax bill is wrong then you can make an official complaint. Your local authority needs to be given 8 weeks to reply to your complaint. if you are unhappy with the reply, you should contact the following.

The links below are independent organisations who can investigate a complaint further and give you further help.  England – Local Government Ombudsman Scotland – Scottish Public Service Ombudsman Wales – Public Service Ombudsman for Wales

Am I eligible for an IVA?

An IVA is normally only suitable for people with a predictable, fixed income. In order to get an IVA, you must usually have at least £70 left in disposable income after you have met your essential living costs each month. Your creditors may still agree if you don’t have enough disposable income as long as you have assets that you can sell to raise money towards paying your debts. We would be able to offer you more specific advice once we know your specific circumstances.

To work out if you have enough disposable income, you’ll need to make a budget. Add up any income from benefits, maintenance payments, and employment, any lump sums of cash (for example an inheritance or competition win), and any defined contribution pensions, and then subtract your everyday outgoings (like rent or mortgage payments, utility bills, food bills, and childcare costs). If you decide to go ahead with an IVA, your insolvency practitioner will need to see your budget.

iva debt example


The Money Advice Service is an impartial service set up by the Government. They provide free debt counselling, debt adjustment and credit information services. www.moneyadviceservice.org.uk

© 2018 ivadebt.uk. All Rights Reserved | Disclaimer: ivadebt.uk is an independent lead generation website created to help users find the best possible financial help for their circumstances. Our service is 100% free to use. Following completion and submission of our form, we will introduce you to one of our select debt partners who will contact you via telephone using the information you have provided here on the website. * In some cases by entering an IVA you can write up to 80% of the debts. The amount written off will depend on your circumstances, income, assets and the current write-off policy of your creditors. Levels between 25% and 80% are realistic, dependent on your individual circumstances and ability to repay.

iva, individual voluntary arrangement, individual voluntary agreement, uk debt relief, iva calculator, what is an iva, iva application, iva debt, debt recovery, iva application