Were You Mis-Sold an IVA?
You could be entitled to compensation. Find out in minutes with our free assessment.
Visible Legal Marketing Ltd is authorised & regulated by the FCA (No. 835293). You can complain for free directly to your provider or the Financial Ombudsman — a claims management company is not required.
How Were IVAs Mis-Sold?
Thousands of people were given unsuitable advice about Individual Voluntary Arrangements
An Individual Voluntary Arrangement (IVA) is a formal debt solution that allows you to repay a portion of your debts over a fixed period. When set up correctly, an IVA can be helpful. However, many IVAs were mis-sold by providers who prioritised their own fees over your best interests.
No Alternatives Explained
You weren't told about other options such as Debt Relief Orders, bankruptcy, or informal arrangements that may have been more suitable.
Unaffordable Payments
Your income and essential spending weren't properly reviewed, leading to monthly payments you couldn't realistically afford.
Hidden Fees & Charges
Nominee charges, management fees, or the true cost of the IVA were not made clear before you signed.
Unsuitable Advice
Your personal circumstances (employment, dependants, health) were not properly considered when the IVA was recommended.
Pressure Selling
You were rushed into signing or made to feel you had no other choice, without adequate time to consider your options.
Risks Not Explained
The consequences of the IVA — such as impacts on your credit rating, home, or employment — were not made clear to you.
If any of the above sounds familiar, you may have been mis-sold your IVA and could be entitled to compensation. You don't need to have completed your IVA to make a claim — whether it's still active, completed, or even failed.
You May Have a Claim If…
If any of the following apply to you, it's worth checking your eligibility
You entered an IVA and feel the advice you received was unsuitable
You weren't told about alternative debt solutions available to you
Your financial circumstances weren't properly assessed before the IVA was set up
You weren't informed of all the fees and charges involved in the IVA
You experienced financial difficulty or hardship as a result of the IVA
Your IVA failed or was terminated, causing you further problems
Start Your IVA Claim
Complete the form below and we'll assess your case for free
Free Case Assessment
Takes around 2 minutes to complete
What Happens Next?
A clear, straightforward process from start to finish
Submit Your Details
Complete our free assessment form — takes just 2 minutes.
2 minutesLetter of Authority (LOA)
We'll send you a Letter of Authority to sign. This authorises us to request your IVA documents on your behalf.
1–2 daysDocument Request (DSAR)
Once signed, we submit a Data Subject Access Request to your IVA provider. They have up to 30 days to respond with your full IVA file.
Up to 30 daysCase Assessment
Our panel of specialist solicitors reviews your documents and determines if you have a valid mis-selling claim.
1–2 weeksPursue Compensation
Our panel of specialist solicitors pursues compensation on your behalf with success-based fees — you only pay when they recover funds for you.
Varies by caseFrequently Asked Questions
Timescales vary depending on the complexity of your case and how responsive the IVA provider is. Some cases are resolved within a few months, while more complex claims can take longer. We'll keep you updated at every stage so you always know where things stand.
You can still make a claim even if your IVA is ongoing. Having an active IVA does not prevent you from pursuing a mis-selling claim. In fact, acting sooner can sometimes help resolve issues while your IVA is still in progress.
Making a mis-selling claim does not negatively impact your credit rating. The IVA itself will have been recorded on your credit file, but pursuing a claim about how it was sold to you is a separate matter and won't make your credit situation any worse.
We gather most of the evidence needed through a Data Subject Access Request (DSAR) to your IVA provider. If you still have any IVA paperwork, proposal documents, or correspondence, that can be helpful but it's not essential. Don't worry if you don't have any documents — we can still investigate your claim.
The amount of compensation varies significantly depending on your individual circumstances, including the fees you paid, the financial impact of the IVA, and the nature of the mis-selling. Some clients have been entitled to £1,000s in compensation, though amounts vary based on individual circumstances. We offer a free assessment to help you understand whether you have a claim and what it could be worth.
It means you don't pay anything upfront. Our fees are only charged if we successfully recover compensation for you. If your claim is unsuccessful, you won't owe us anything. This ensures there's no financial risk to you.
Yes. Visible Legal Marketing Limited is authorised and regulated by the Financial Conduct Authority (FCA) for IVA claims management. This means we operate under strict rules designed to protect consumers, including clear communication, fair fees, and proper handling of your data.
Start Your Free IVA Claim Assessment
Takes 2 minutes. No upfront costs. FCA regulated.