An IVA is not a public service.
It is a commercial product.

IVA firms are paid thousands of pounds in fees from your payments first, before your creditors see meaningful benefit.

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That means:

• The firm gets paid whether your IVA succeeds or fails

• You carry the financial stress for years

• And the longer the IVA runs, the safer their fees become

For many people of pension age, the IVA was never designed for you to succeed comfortably. It was designed to secure fees first.

That is the uncomfortable truth.

By the time you have been in an IVA for two years or more:

• A large part of the firm’s fees is usually already protected

• You may already have paid thousands

• Yet your debt balance often still looks frightening

For people on:

• Fixed pensions

• Benefits

• Or with illness and reduced income

this becomes a one-sided contract that keeps taking, while you keep struggling.

In a high number of pension-age cases we review, we later find that:

• Free options existed, but were never clearly shown

• Cheaper exit routes existed, but were not mentioned

• The IVA was presented as the only sensible choice

This is where mis-selling appears.

IVAs are often sold hard because they generate guaranteed fees.
Not because they are the best solution for someone on a pension

If our free forensic review shows that your IVA was:

• Wrong for your age,

• Built on unsafe assumptions,

• Or pushed through when cheaper or free options existed,

then we do not just write a polite letter and walk away.

Where the law and the evidence allow, we aim to:

• Challenge the IVA

• Challenge the fees

• And seek the return of money you should never have had to pay

We cannot promise outcomes.
But we do promise that if wrongdoing is found, we pursue it properly.

An IVA is a legal contract — but only if it was:

• Suitable

• Affordable

• And honestly sold

IVA firms were required to properly consider:

• Your age and life expectancy

• Your health

• Your fixed income

• And your vulnerability

If they didn’t, that is not “bad luck”.
That is a serious failure.

And the law allows that failure to be challenged, even after years of payments.

Let’s be absolutely clear: An IVA is voluntary.

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You cannot be forced by law to:

• Keep paying when you cannot afford to

• Stay in something that was wrongly sold

• Or suffer in silence while fees continue to be protected

If your IVA was unsuitable at your age, it can be properly challenged and, in many cases, ended.

Every case is different. Nothing is guaranteed.

But in most pension-age IVAs we review after two or more years, we uncover:

• Clear unsuitability

• Unrealistic income assumptions

• Failure to explain free options

• Or pressure-selling tactics at the start

In many of these cases, we are able to:

• Stop the IVA

• Reduce the damage

• Or secure a fair exit without years more payments

We are not an IVA company.
We are not tied to creditors.
We are not FCA regulated.
We do not sell debt products.

We work for you.

We:

• Tear the IVA paperwork apart properly

• Check what should have happened versus what actually happened

• Explain everything without jargon or sales talk

• And when fault is found, we challenge the IVA company directly on your behalf

You stay in control.
We do the hard part.

If you were pushed into an IVA:

• Because it made money for others,

• While cheaper or free options were kept quiet,

• And you are now paying the price in later life,

then you are right to question it.

And you are right to be angry.

If you want us to look at your case properly, with no pressure and no cost, you can:

• Call 0800 707 4189

• Email admin@speakforyou.co.uk

• Or request a call-back through this page

You lose nothing by having your IVA checked.
But you may finally get the truth