It failed, or left you stuck
Your IVA defaulted, was terminated, or ended without clearing the debt, leaving you roughly where you started.
IVA mis-selling claims
Were you mis-sold your IVA?
Many people were placed into an IVA without being told about simpler options, or when the payments were never really affordable. If that sounds like you, you may be owed money. Checking is free and takes about two minutes.
- No upfront fee
- Secure and confidential
- SRA solicitor panel
Not all IVAs have been mis-sold. A free check is the simplest way to find out where you stand.
Important information
You do not need to use a claims management company to pursue your claim. You can present your claim yourself for free, either to the firm you are complaining about or to the Financial Ombudsman Service.
There is nothing to pay upfront. If your claim succeeds, a success fee of between 18% and 36% (including VAT) of the amount recovered applies, and there is no fee if your claim does not succeed.
Visible Legal Marketing Ltd is authorised and regulated by the Financial Conduct Authority, FRN 835293.
Cancellation. You have a 14 day cooling-off period from the date you enter any agreement. A cancellation fee may apply if you cancel your agreement outside this period.
Referral to a solicitor. Where appropriate, Visible Legal Marketing Ltd may refer your case to a panel solicitor to pursue your claim on your behalf. The solicitor will handle all legal aspects of your complaint, including correspondence with the firm, negotiation of any settlement, and escalation to the Financial Ombudsman Service if necessary.
If we make a referral, we may receive a referral fee from that solicitor for the introduction. This referral fee is paid by the solicitor, not by you, and it does not reduce or affect any compensation you may receive.
Any solicitor we refer you to is independent and regulated by the Solicitors Regulation Authority. They will act on your behalf and owe their professional duties to you, not to Visible Legal Marketing Ltd. You are under no obligation to use our recommended solicitor and are free to instruct a solicitor of your own choice at any time.
COULD THIS BE YOU?
Signs your IVA may not have suited you
If any of these sound familiar, a free check is the simplest way to find out where you stand.
The payments were never affordable
The monthly payments were a stretch from the start, or became impossible to keep up with.
A better option for you was never offered
Alternatives that might have suited your situation better were never properly explained at the time.
A simpler solution might have fitted
For some people, a Debt Relief Order would have been a better fit than an IVA. If so, the IVA may not have been the right recommendation.
A Debt Relief Order (DRO) is a simpler, lower-cost way to deal with smaller debts. It can suit people who rent, have little spare income, and no significant savings or assets.
HOW IT WORKS
A clear, simple process
We do the work and keep you updated at every stage.
Step 1: We obtain your IVA file
You sign a Letter of Authority and we request your full file from your provider, so you do not have to chase paperwork.
Step 2: We assess your case
We review the file against the advice standards that applied at the time and tell you clearly whether you may have a claim.
Step 3: We refer you to a solicitor
If your case is viable we refer it to an independent panel solicitor who takes it from there.
FREE ASSESSMENT
Start your free 2-minute check
Answer a few questions and we'll assess your case for free.
Free case assessment
Takes around two minutes, with no upfront cost
Step 1 of 4
FEES AND COSTS
What you’ll pay, and when
Your cost summary
Your cost to usNothing
If your claim succeedsSolicitor fee 18% to 36% inc. VAT
If your claim failsYou owe nothing
How we are paid
You will not be charged unless your claim results in compensation. If your claim is successful, a success fee of between 18% and 36% (inclusive of VAT) will apply, depending on the level of compensation recovered. Full details of any fees and charges will be provided to you before you enter into any agreement.
Cancellation
You have a 14 day cooling-off period from the date you enter any agreement. A cancellation fee may apply if you cancel your agreement outside this period.
Referral fees
If we refer your case to a panel solicitor, we may receive a referral fee from that solicitor for the introduction. This referral fee is paid by the solicitor, not by you, and it does not reduce or affect any compensation you may receive.
The full regulatory disclosure — including your right to complain directly, solicitor independence, and FCA registration — is in the disclosure panel at the top of this page.
You can complain for free, without us
You can complain directly to your IVA provider at no cost, and if you are not satisfied you can escalate to the Financial Ombudsman Service free of charge. A claims management company is not required to make a complaint.
Independent solicitors
If your case is viable we refer it to a panel solicitor who is independent and regulated by the Solicitors Regulation Authority. We may receive a referral fee from that solicitor. It is paid by the solicitor, not by you, and it does not reduce your compensation.
Clear cancellation rights
You have a 14-day cooling-off period from the date you enter any agreement. A cancellation fee may apply if you cancel outside this period. Full details of any fees are given to you in writing before you agree to anything.
You are free to pursue any claim directly or through another representative. See the full detail in the disclosure at the top of this page.
FAQs
Common questions
FREE ASSESSMENT
Find out whether you may have a claim
A free, no-obligation review of how your IVA was sold. No upfront cost, and you are free to stop at any point.