Were You Mis-Sold an IVA?
If you were placed into an Individual Voluntary Arrangement without being properly advised about alternatives, you may be entitled to compensation. Find out in minutes with our free assessment.
Free assessment, takes 2 minutes
You do not need to use a claims management company to make your complaint. You can complain for free directly to your provider or the Financial Ombudsman Service.
Visible Legal Marketing Ltd is a claims management company, authorised and regulated by the FCA (No. 835293).
How We Help With IVA Claims
Visible Legal Marketing is a claims management company that specialises in IVA mis-selling.
We obtain your IVA file
We submit a Data Subject Access Request to your IVA provider to obtain your full case file. You sign a Letter of Authority and we handle all communication with the provider.
We assess your case
We review your IVA file and assess whether the advice you received was suitable. We look at the alternatives available, the affordability of payments, and whether fees were properly disclosed.
We refer you to a solicitor
If we identify potential mis-selling, we prepare your case and refer it to a specialist solicitor from our panel who pursues the legal claim on your behalf.
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 can make a claim whether your IVA is still active, completed, or failed.
Check your eligibility nowRegulatory & Transparency
We're committed to clear, honest communication and full regulatory compliance
How We Support You
Our service commitments
Regular Updates
We keep you informed at key milestones by email throughout the process.
Document Handling
We coordinate information requests from your provider so you don't have to chase everything yourself.
Clear Approvals
You'll see and approve important documents (such as Letters of Authority) before they are used.
Clear Fee Structure
There are no upfront costs at any stage. If your case is referred to a solicitor, their fees are set out separately in their client care letter.
Your Rights
Important information for consumers
Free Alternatives
You can complain for free directly to your IVA provider, lender, or bank. If unsatisfied, you can escalate to the Financial Ombudsman Service.
Why Clients Choose Us
Many clients choose us because we manage the process, coordinate documents, and liaise with solicitors on their behalf, making it straightforward.
Data Protection
Your data is handled in full compliance with UK GDPR and FCA requirements. Read our IVA Privacy Policy.
Prompt Communication
To keep your claim moving smoothly, please respond promptly to any requests for information from us.
5 Eagle Fold, Hyde, England, SK14 4GU
Visible Legal Marketing Ltd is a claims management company, authorised and regulated by the FCA (No. 835293). Company No. 10263322.
Fees and Costs
Complete transparency about how our service works
No upfront costs
We carry out initial work on your behalf at no charge, including obtaining your IVA file and assessing whether you have a viable claim.
Solicitor fees on success only
If your case is referred to a panel solicitor, their fees are set out in their own client care letter, regulated by the Solicitors Regulation Authority. Fees are typically 18 to 36 percent (including VAT) and are charged only if compensation is recovered.
Our referral fee
Visible Legal Marketing Ltd receives a fixed referral fee from the solicitor for the assessment and referral work we carry out. This fee is paid by the solicitor and does not reduce or affect any compensation you receive.
You Have a Choice
A claims management company is not required to make a complaint
Complain directly, for free
You can complain for free directly to your IVA provider. If you are not satisfied with their response, you can escalate your complaint to the Financial Ombudsman Service free of charge.
There is no cost to you for either route and you do not need any professional assistance to do so.
Why some people choose us
We handle obtaining your full IVA file from your provider through a formal data request, so you do not have to.
We assess your case against the advice standards that applied at the time and identify the specific issues.
We connect you with specialist solicitors who have experience pursuing IVA mis-selling claims on behalf of individuals.
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 to 2 daysWe Request Your IVA File
We submit a Data Subject Access Request to your IVA provider. They are required to respond within 30 days. We handle all communication with the provider on your behalf.
Up to 30 daysWe Assess Your Case
We review your IVA file against the advice standards that applied at the time. We look at the alternatives that were available, whether payments were affordable, and whether fees and risks were properly disclosed.
1 to 2 weeksReferral to Solicitor
If we identify a viable claim, we prepare your case and refer it to a specialist solicitor from our panel. The solicitor reviews our assessment and contacts you directly to confirm the arrangements and their fee structure.
1 to 2 weeksSolicitor Pursues Your Claim
The solicitor handles the legal claim on your behalf, including all correspondence with the IVA provider. Their fees are set out in their client care letter and are only charged if compensation is recovered.
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 depends on your individual circumstances, including the fees charged, the financial impact of the IVA, and how it was sold to you. We offer a free assessment to help you understand whether you have a claim.
There are no upfront costs to you at any stage. We carry out initial work at no charge, including obtaining your IVA file and assessing your case. If we identify a viable claim, we refer your case to a panel solicitor. The solicitor's fees (typically 18 to 36 percent including VAT) are set out in their own client care letter and are only charged if compensation is recovered. VLM receives a fixed referral fee from the solicitor for our work. This fee does not come from you and does not affect your compensation.
Visible Legal Marketing Ltd is a claims management company, authorised and regulated by the Financial Conduct Authority (No. 835293). This means we operate under FCA rules covering how we communicate with you, handle your data, and manage your case. When your case is referred to a solicitor, the solicitor is separately regulated by the Solicitors Regulation Authority.