We noticed lots of people searching for “IVA Citizens Advice” hoping to get one of these debt solutions with the help of this group. We explain everything in this guide, and where you can really get an IVA in England and Wales.
Who Are Citizens Advice?
Citizens Advice is a large UK-wide network of charities that come together under the umbrella term of Citizens Advice. There is over 300 of them in total and they all provide invaluable information and resources to people who want help with financial matters, employment disputes, UK immigration, family law and especially debt help.
You can contact them to get personalised advice about certain situations in relation to the aforementioned topics. Or you can access generic but helpful information from their website.
Although Citizens Advice has a lot of great information for debtors, they are not a debt charity because they work on more topics than just debt.
Find your best debt solution
Is all this information starting to feel overwhelming? Don’t panic! I’ve put together a 4 question debt calculator so you can quickly and easily find the best solution for you. Answer the four questions now.
Citizens Advice Debt Help
When you visit the Citizens Advice websites (provided at the end of this post), you can click the “debt and money” tab to unearth a selection of web pages about dealing with debt.
Citizens Advice is a fantastic depository of articles that help you understand the debt collection process, confusing legal terms and procedures. They have a dedicated section on what actions creditors can take, which is a way of clearing the fog and understanding your own rights as well.
But another great section of articles is their debt solutions pages. They offer guidance on multiple ways that people get out of debt, including:
- Debt Management Plans (DMPs)
- Individual Voluntary Arrangements (IVAs)
- Debt Relief Orders (DROs)
IVA Citizens Advice Explained
The IVA Citizens Advice page is one of the most visited pages on their site because IVAs are popular debt solutions.
In a nutshell, an IVA is used when a debtor has more than one creditor and over £1,700 of debt. It is an agreement to make one monthly payment each month, which will be shared among all creditors. This agreement typically lasts for five years (yes, that means the payments add up!).
But the good news and the reason why an IVA is so popular is that at the end of the IVA, all your debts are cleared. That’s right, even if you haven’t even put a big dent in your debts when the IVA is over, you still walk away from the agreement without any debt.
IVA Citizens Advice pages explain the process in lots of detail. Or you can use this free IVA guide which is just as helpful!
But, Can I Actually Get an IVA through Citizens Advice?
Citizens Advice provide debt help and information about debt solutions, but they do not offer to provide you with the service yourself. Therefore, you cannot get Citizens Advice to get you an IVA. For that, you will have to speak with debt charities or debt management companies, also known as insolvency practitioners.
The service will usually cost but should save you money by wiping away debt at the end of the five years. Always do your research!
The Citizens Advice Debt Remedy Tool
One of the pages within the debt help section of the Citizens Advice website is called the Debt Remedy Tool. However, Citizens Advice don’t provide this themselves and simply urge debtors to look at Step Change UK to use theirs.
Money Nerd has a comparable service to help you understand what debt solutions may benefit you. Start getting yourself out of debt now with our guidance!
IVA Citizens Advice Reviews (Confusing!)
Citizens Advice have over 100 reviews on Trustpilot currently, and we were rather shocked that this free help group has a low score of just 2.2 stars out of five. And we weren’t the only one confused by their low score:
“Used citizens advice many times recently and not sure why they only have 2 stars. As for me, 5 stars, great service, always contact, the information is precise, staff happy to assist, overall excellent, thanks.”[Trustpilot]
“I don’t know what they can do but was impossible to connect with them. Been waiting for an hour on the phone and 2 hours on the chat. Unfortunately, hasn’t connected…”[Trustpilot]
One thing that might have caused the low score is the fact that Citizens Advice is a huge network of charities. We noticed many reviewers complaining about the same centres, rather than the organisation as a whole.
What Other Debt Help Sources Are Out There?
Citizens Advice is just one of many exceptional sources of debt information online. There are multiple blogs and even vloggers sharing information. But you can trust everything you read and watch online, which is why we always recommend debt charities first.
There are many UK debt charities with information about debt solutions on their site, such as:
- StepChange UK
- National Debtline
- Christians Against Poverty (CAP)
We don’t want to blow our own trumpet too much, but our Money Nerd site is also packed with free debt solution guidance.
Everything on our site is written in a friendly way so everyone can understand!
How to Contact Citizens Advice
There are three numbers to call if you want to connect with a Citizens Advice worker over the phone:
- For calls from England call 0800 144 8848
- For calls from Wales call 03444 77 20 20
- And if you want textphone services call 18001 0800 144 8884
But if the earlier review about long waiting times on the phone has put you off calling, there is a more convenient solution.
You can also get debt help from Citizens Advice, including IVA information, by speaking with ana divisor from their website. They have an online chat feature dedicated to debt help on their website.
This chat service is available on weekdays (except bank holidays) between the hours of 8am and 7pm.
If you want Citizens Advice debt help without calling, this is the best alternative.