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i The advice on this page applies to residents in England and Wales only.

I've received a letter telling me to cancel my IVA. What do I do?

A number of our clients have received letters from companies urging them to cancel their individual voluntary arrangement (IVA). Not only do these letters give false information, their claims can be worrying.

If you receive a letter such as the one below, please contact us through the IVA clients page.

What do these letters look like?

Here's a typical example of what a misleading letter from one of these companies looks like:

Example of an IVA scam letter

How did this company get my details?

Details of all IVAs are added to the Individual Insolvency Register. This is a public record and anyone can search the register free of charge.

If your IVA has been approved, the register will show your name, address and date of birth, and details of the Insolvency Practitioner who is supervising your IVA. Some companies use this information to send junk mail to anyone who is on an IVA. They may try to persuade you to cancel the IVA and start a plan with them instead – for a fee.

Although these letters are rare, they can be confusing and upsetting. They often give misleading information about IVAs, for example claiming that your home or pension is at risk or that your IVA was ‘mis-sold’.

Remember we’ve recommended an IVA for you because it’s the best possible debt solution based on your individual circumstances. A company sending you these kinds of letters doesn’t know anything about your finances or your debts.

If you receive a letter like this, don’t stop your IVA payments. Give us a call on 0800 197 1713 and we’re happy to answer any questions or worries you might have.


Our team is here to help

0800 197 1713 Monday to Friday 9am to 5pm*


Our address

StepChange Voluntary Arrangements

Arena Point

Merrion Way



Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2017