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How to Get Out of Debt With An IVA: The Definitive...

Having an Individual Voluntary Arrangement (IVA) doesn’t mean you’ll be in debt forever. It can help you to get back on track and, with...

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How to Get Out of Debt With An IVA: The Definitive Guide

Having an Individual Voluntary Arrangement (IVA) doesn’t mean you’ll be in debt forever. It can help you to get back on track and, with some careful planning and management, you could emerge from the arrangement with a smaller debt burden. An IVA should be the last resort, not the first step, towards getting out of debt. It’s something you need to do if your debts are making it difficult for you to maintain a normal life. If you’re reading this, there’s a high chance you have an account with a high-interest lender, such as a credit card or personal loan. You might also have other unsecured debts, such as a mortgage, car loan or a consumer credit card. There are a number of ways you can tackle your debt and get back on track, from switching to a lower costing credit card to going out of business. An IVA is one of the most effective ways to tackle your debt.

What is an Individual Voluntary Arrangement?

An Individual Voluntary Arrangement (IVA) is a debt management plan that you enter voluntarily with your creditors. It’s important to note that an IVA doesn’t involve bankruptcy and gives you the chance to pay off your debts. It allows you to keep your assets and protects you from incurring more interest by consolidating your debts into one monthly payment. There are two stages: 1) Set up an IVA 2) After the set period, enter affordable repayment terms with your creditors. A typical IVA lasts 5 years. During this time, you will make one single monthly payment to the trustee instead of paying each creditor individually. Your trustee then distributes payments out to each creditor in turn on a pro-rata basis according to the size of their own debt in relation to the total debt owed by the debtor. Your creditors can’t take any legal action against you during this time without first going through the court process which is costly for them. Additionally, if they do decide to seek legal action against you outside of court, they will need a judge’s permission beforehand and will be charged substantial court fees as well as other costs relating to their application for permission.

Why Have an IVA?

An IVA is one of the most effective ways to tackle your debt. It’s a legally binding agreement that you have with your creditors and it can be used to consolidate all of your debts into one payment per month. As long as you fulfill the terms, it will mean that you won’t need to worry about being chased by debt collectors or worry about getting sued for not paying back your debts. An IVA is an agreement with your creditors that lets you pay off all of your debts at once, usually over 5 years. You might find there are other benefits too, such as credit rating protection and the ability to get cheaper insurance rates. This can help reduce the stress on the rest of your life and allow you to start living again without feeling like you owe someone something every day.

How to Apply for an IVA

In order to apply for an IVA, you’ll need to find a licensed insolvency practitioner and agree to their terms. The main difference between an IVA and bankruptcy is that you’ll only need to pay back the amount you can afford, rather than a percentage of your total debt. This means it will take longer for you to repay your debts, but it also means less interest charges and reduced debt levels over time. There are two stages to the process: pre-arranged payments and post-arranged payments. Pre-arranged payments. In this stage, your insolvency practitioner will assess how much you earn each month, as well as your outgoings. They’ll then calculate what your monthly income surplus is – the amount of money left over after paying for essentials like food, shelter and clothing – and come up with a monthly payment figure which will be used in the post-arranged payment stage. Post-arranged payments. This stage starts when all the necessary paperwork has been completed on both sides. You’ll have a set monthly sum deducted from your wages or bank account each month which will go towards repaying your debts (minus any costs incurred by the insolvency practitioner). This continued until your debts are repaid in full or until the arrangement comes to an end – whichever comes first.

How Long Does an IVA Last For?

The length of an IVA varies, depending on the amount of money you owe and your income. The most common arrangement is a period of three years, but it can be up to six years if you’re struggling financially. When you have completed the set period, the remaining debt will be written off and cleared.

Is an IVA Right for You?

An IVA is not for everyone. If you’ve been put in an IVA before, it is unlikely you will be able to enter into another one. You also need to have an income of at least £10,000 a year and your total monthly expenditure must be less than £1,350. If you fulfill these conditions and want to get out of debt with the help of an IVA, the following advice may be helpful. First, you’ll need to find a suitable financial advisor or debt charity who can work with you on your plan and provide information about how much money you owe. They will then assess your needs and create a repayment plan for you. When choosing which debts are repaid first, priority should go to secured debts such as mortgages or car loans which could be repossessed if they remain unpaid. Unsecured debts like credit cards or personal unsecured loans should be paid off later on in the process as they are more flexible while secured debts must often be repaid immediately. However, if there are any unsecured debts that have very significant interest rates, they should be paid off early in the process so that the repayments stretch further over time. People often worry about whether they will ever get back out of debt with an IVA – don’t worry! With careful planning and management, it is possible to emerge from an IVA with a smaller debt burden than before entering it.


With the help of an IVA, you can get back your self-esteem and feel good about your financial situation. This is a flexible and affordable debt solution, which is designed to help you pay off your debts in a way that suits you. The main benefit of an IVA is that it helps you to pay back your debts over a period of time that is agreed with your creditors. And if you have a family and dependents, then this solution is even more suitable for you, because it helps to protect them from the negative impacts of debt. For more information on Individual Voluntary Arrangements, we recommend you contact the IVA Helpline.

How to Get Cheap Food Delivery Insurance in Dover UK

It is important to have your own personal car insurance to cover yourself in case of an accident while driving your food delivery vehicle. You’re more likely to have an accident when delivering food as your food may be hot and fresh. You’re also more likely to be out on the road in darkness and under time pressure, which can make you more prone to accidents. While it is difficult to get insurance for your food delivery vehicle, there are steps you can take to ensure that you get the best deal.

One of the first steps you should take is to look for a food delivery insurance policy. It is essential to get the right kind of cover. There are two main types of food delivery insurance: cover for goods delivered to a single location and cover for a set number of delivery routes. Pay as you go food delivery insurance is similar to hire and reward car insurance, but it is not as expensive as it sounds. Depending on the type of food delivery you do, you can get a monthly or weekly plan that suits your needs.

If you’re thinking of starting a food delivery service, there are two options for you: pay-as-you-go and fully comprehensive cover. Both work similarly to a standard car insurance policy. You can buy a plan that covers your food deliveries monthly or weekly, and you’ll pay only when you make a delivery. You can also buy cover for your food delivery business using Zego’s app.

Pay-as-you-go food delivery insurance works much like courier or hire-and-reward insurance. It’s a bolt-on policy that covers your food deliveries only when you use them. It’s a great option if you’re unsure of what your specific needs are, or if you’re just starting a new business. You can manage your coverage through the Zego app, which is a mobile application that makes it easy to manage.

Many people think that fast-food delivery insurance is unnecessary, but it’s not. Whether you’re delivering food to a client’s door or delivering a hot meal to a loved one, cheap food delivery insurance does not need to break the bank. By following a few simple steps, you can make sure that your food delivery service is protected in case of an accident. If you’re looking for a low-cost food delivery insurance policy, it’s essential to understand that you’re not alone.

It’s important to know that your food delivery insurance policy will cost you more than a standard car insurance policy. As a driver, you’re on the road more often and driving at night. If you’re driving without insurance, you risk being sued and facing a huge compensation claim. Further, you’ll be breaking the law by driving without insurance. So, make sure you have the best coverage available for your food delivery vehicles.

It’s important to know that your food delivery vehicle is not covered under standard car insurance. Therefore, you’ll need to find a policy that covers food couriers. Typically, a food delivery vehicle will be covered under a commercial vehicle insurance policy, which will cost around £700 to £1200 per year. You’ll need to pay more than this for a standard car insurance policy, but it’s better than nothing.

The cost of food delivery insurance in Dover, UK is significantly more than that of a standard vehicle. As a food courier, you’ll be on the road more, and your vehicle will be subject to more accidents. Fortunately, your insurance provider can help you save money on insurance by adjusting your premiums accordingly. You should also consider the type of vehicle you’re driving. Insure your food truck, the right insurance policy will protect you in case of a collision.

A food delivery vehicle is different from a standard vehicle, so it is crucial to have the right type of insurance for it. A standard car insurance policy will cover you if you’re a full-time driver, but if you’re just a part-timer, you’ll want to opt for part-time driver insurance, which will cover you for less than twenty hours a week. It’s also very important to check out the policy of the insurer you’re planning to use.

Dealing with Council Tax debt in England, Wales, and Scotland

How can a wage arrestment affect me?

A wage arrestment is a process sheriff officers use in Scotland to recover unpaid council tax debt. This tactic will mean your current employer will be taking money from your pay. Your employer will take away an amount from your pay each week or month, depending on when your pay date is. The money taken will be sent on to the local authority to pay your council tax arrears. A wage arrestment may be used for different types of debt. Although they are commonly used for recovering non-payment of council tax. Diligence against earnings is used to recover any outstanding debt. If you’re having trouble with a wage arrestment, it is always a good idea to speak to a wage arrestment expert for advice, they can help you understand what options you have, and what is the best course of action to take.

When will a wage arrestment be used against me?

Let’s explain the process that councils will use when someone has not paid their council tax on time. First of all, you will receive a reminder letter. This gives you seven days to pay the amount you owe. If you don’t pay this, you will be sent a final notice reminder. This now means that the council have taken away your right to pay by monthly instalments. This now gives you fourteen days to clear the full balance for the rest of the council tax year. After this stage the council may decide to apply for a summary warrant through the sheriff court. This will detail how much is owed and is supplied by the sheriff court. It is not a requirement to notify you a summary warrant has been authorised. You will no longer be able to negotiate a repayment plan until the summary warrant has been granted. You will be notified about this summary warrant once you have received it in the mail. It will be issued by a sheriff officer. It details how much you owe and who you need to get in touch with to set up a payment plan. You will now be making these payments to the sheriff officers instead of your local authority. There is a 10% penalty fine added to the balance once this summary warrant has been authorised. You can agree to pay the amount you owe through affordable instalments with the sheriff officer. It is recommended that you agree to a plan that is manageable instead of trying to pay more than you’re able to. This will depend on your finances. If you are not able to reach a reasonable repayment plan, sheriff officers will now ask you to give them details about your current employer, your national insurance number, your bank account details and information on anyone else who is also liable for this council tax bill. If you do not give the sheriff officers this information within fourteen days, you may receive an added fine on top of your current debt. This allows the council to obtain what is known as a charge for payment. Make sure the information on these documents is correct. If you find out that the details within these documents are incorrect, the documents could be classed as being invalid. When a charge of payment order has been granted, it must include a debt advice and information pack, this will explain your legal rights, and where to get further advice on what to do next. If you have not received this pack, a wage arrestment may not go ahead. This charge for payment will expire after 14 days, meaning that sheriff officers are now allowed to collect money from you by using various forms of diligence, these can include: wage arrestment, freezing your bank account and taking money from your account, or removing goods from outside your property. If you are able to make a suitable arrangement before the charge for payment expires, you may be able to stop the above forms of diligence from going ahead. There are various conditions that have to be in place before you can receive a wage arrestment. You must be employed, and not self-employed. You must not be in receipt of any unemployment benefits such as jobseeker’s allowance or income support. Your council tax debt must be more than £50, although it is likely that you will owe more than £1,000 by this stage as the council will bill you for the full year.

How to find a cheap taxi in Dover

If you are planning a trip, arranging business travel or just want to get from point A to point B as quickly as possible, a taxi to Dover will often be the most convenient option for most.

As a customer, you’re likely looking for efficient travel at the most affordable price. Whether you need a taxi while in Dover or an airport taxi to Dover, our guide will help you find the cheapest taxi.

If you’re a cab driver and looking for cheaper cover, Utility Saving Expert can help you save money on your taxi insurance.

Many providers will allow you to book through their website or by using a smartphone app.

How do I book a Dover taxi?

Here’s some of the details you’ll need before booking your taxi:

  • Where you’re heading to and from
  • The number of people travelling
  • The dates you’re planning on travelling
  • Do you require a single trip or return trip?

Once you have this information, you should be able to get a quick quote from a whole range of providers within minutes when booking.

Here are some of the options you can expect when booking:

  • Dover Airport Transfer – 30 minutes parking, 30 minutes wait time with meet and greet included. Covers transfers to/from all airports near Dover. Single and group travel options available.
  • Port Transfer – Includes 30 minutes parking, 30 minutes wait time with meet and greets. Covers transfer to/from Dover cruise terminal and other nearby ports.
  • Dover Taxis – Request taxis to/from all Dover areas, including trips to/from anywhere in Europe. Special promotional offers on Dover to Calais taxis. Wheelchair and executive taxis available on request.
  • Executive Transfers – Executive vehicles available on request for all types of transfers. The latest luxury vehicle models can be booked with highly rated services and free WiFi included.

Dover Ferry Port

The port of Dover has millions of ferry passengers each and every year. Pre-book a taxi if you want to avoid the rush and take the easy route to get to Dover ferry terminal.

Dover ferry port is known as the ‘Gateway to Europe’, and has cross channel ferry crossings 24 hours a day. This is one of Europe’s busiest international ferry ports used by business travellers and holidaymakers to travel throughout Europe.

Here are some of the most highly rated taxis and shuttles in Dover according to Tripadvisor:

  1. Horizon Private Hire – Rated 5 stars from 146 reviews
  2. Ed’s Taxi Dover – Rated 5 stars from 31 reviews
  3. Aspect Private Hire – Rated 5 stars from 30 reviews
  4. Whitfield Cars Dover – Rated 5 stars from 11 reviews
  5. Central Taxis Dover – Rated 5 stars from 4 reviews
  6. Dover Heritage Taxis – Rated 4.5 stars from 3 reviews
  7. Dover Royal Taxis – Rated 4 stars from 16 reviews

Dover is a town and major ferry port in Kent, South East England. It faces France across the Strait of Dover, the narrowest part of the English Channel. The town is the home of the Port of Dover.

Whether it’s personal or business travel, we wish you a safe and comfortable journey.

Top-Rated Tourist Attractions In Dover

Dover is a beautiful place in England which has a heavy influence of Roman heritage. It has some of the most remarkable lighthouse, castles and cliffs which can keep you mesmerised for days. Dover is a treat to the eyes, which has a lot of offer. In this article, we are going to be learning about the top-rated attractions in Dover.

Richborough Roman Fort

Richborough Roman Fort Richborough Roman Fort marks the place where the Roman rule began in England. This is a ruin of a very beautiful town where the Romans launched their successful invasion of Britain in AD 43. Even after their rule, the place remains for their walls and defence capabilities. This is one of the most beautiful places which will allow you to take the trip in any weather to help you trace the roots from when the Romans arrived.

Deal Castle

Deal Castle Deal Castle was built for Henry VIII in the year 1540; Deal Castle is widely considered to be one of the finest Tudor Castle in England. It has one of the most elaborate coastal forts that extends along the English Channel. There are many visitors who are allowed to enter the castle and stay home as a fortress. You can take strolls at the grounds and the gardens that the place has to offer. Try to make sure that you are sure of the time that you are spending on the quaint medieval town of Deal. There were many times that the defensive trades were made of the confederation of cinque ports which is also best for walks as well as biking.

Pines Garden

pines garden in St Margaret’s Bay There is a pines garden in St Margaret’s Bay four miles away from Dover which is sustainable gardens which includes beautiful lakes, glass labyrinth, organic kitchen garden, fruits and vegetable garden and a tea room. The entrance to Pines Garden is St Margaret’s Museum which has a good selection of WWII artefacts which extends to the Kentish Coastline during the battle of Britain.

Bleriot Memorial

This is a French aviator Louis Bleriot, the first person to fly across the English Channel in the year 1909. The granite itself is erected in the North fall Meadows which is a small woods to the North East of Dover Castle. The Granite memorial is quite unique as it was built in the shape of the Bleriot plane itself.

Dover Museum

Dover Museum The family visitor of the centre in Market Square, the Dover Museum Houses three floors of objects and displays recounting the towns rich history. It is also the home to the oldest known seagoing vessel a Bronze age wooden boat which is 3000 years old and has focused on the excellence of the ship through the period of Dover’s history.  

Experiences you do not want to miss out on in Dover

Dover stands facing the France at the point closest to the European Continent just English Channel separating them. This is the location which has made its way to the town through strategic European History. Dover has one of the country’s most important port which is just a few miles away from the London. If you are looking to spend an enjoyable weekend Dover is the best place to be. Here are some experiences which will allow you to enjoy Dover.

Dover Castle

Dover Castle is a medieval fortress which is called the Key of England. This is the largest Castle which can allow one to dominate the landscape of the town. This is one of the most beautiful structure which is 375 feet above sea level. The legend says that it was a wooden fortress built by William the Conqueror which can allow one to get the right 11th century approximately. This is a beautiful structure which will allow you to get access to the castle and White Cliffs. Castle

Tunnels and Battlements at Dover Castle

The tunnels under the Dover Castle was built around 12th century which will allow you to understand the long siege with France. The history also suggests that the tunnels were used for Second World War. You can easily take the long walk to the battlements and can allow one to take it weaponry which changed over time. He also extended the outer bailey which stands tight till the cliffs around 20 towers. The Castle overall became more formidable and used as a strategic important from the Britain’s sovereignty.

South Foreland Lighthouse

The English Channel is home to the infamous Goodwin Sands which is hidden under the sea which still shows light to many ships. Legend also says that lighthouse which can allow one to guide them safely through this strait. This was the first structure was probably built in the 17th century. It is also famous for the Goodwin Sands which is marked by the illuminated buoys after they went out of business.

Maison Dieu House

The Maison Dieu House is believed to be one of the oldest domestic building in the year which was built around 1660s. The origin of its name began much more earlier as it was before accommodated by the pilgrims who rested in the house before they visit the Shrine. Later, Maison Dieu House was converted into the resident for naval officers. This building changed hands and had many functions multiple times. Later, it became a private residence for a good part of the 19th century. During WWII the public library was destroyed and this place became a functioning temporary library.

Best Things to Do in Dover

Best Things to Do
Dover is one of the most beautiful places in England. It is a port town which is near a narrow point in the channel. It has one of the largest castles in the country perched on the cliffs. They have very soft chalk burrowed tunnels which were used in the Napoleonic wars. Dover has some of the most beautiful places and activities to offer some of which we have mentioned.

White Cliffs

When you cross the channel, this is the first site one sees which is a Dover White Cliff raised to 110 metres. This is a cliff which is one of the reference points from Shakespeare’s King Lear to old sea shanties. The National Trust maintains these eastern cliffs. Getting up to the clifftops requires a tricky climb but is one of the best things as you can be awarded the view, which is one of the most beautiful sights to see.

Dover Castle

Dover Castle is England’s largest castle which commands the town and the port from the Dover’s Eastern Flank which has always been the country’s first line of defence. The roost has offered fortification from the iron age and is still a sight to see. The castle began to take its current design from 12th century after Henry II modified for artillery warfare for the Napoleonic wars. This castle became a military command centre in Second World War which conducted the withdrawal at Dunkirk complex. dover-castle

Fan Bay Deep Shelter

A National Trust site which is just a couple of miles along the cliff is the system of tunnels which is now evacuated for an artillery battery. The battery was conducted to attack the axis vessels when travelling along the channel. The passages are pitch black but have lined corrugated steel which will allow you to explorer and tour. The tunnels are filled with forgotten National Trust in 2012 and started to remove the rubble. A place which shows you the forgotten National treasure which is open for the public.

St Margaret’s Bay

When you are halfway from Dover to Deal, you can descend a winding path in the gap which will allow you to find the cliffs for yourself which can allow you to get access to the glorious view of the cliffs. St Margaret’s Bay has a very small promenade backed by a small cafe and pub. There is also a resort which flourishes here and has been a stay fro figures like Lord Byron, Bond writers Ian Fleming and Noel Coward. This place is the place of inspiration for many from medieval times and has some of the most beautiful clifftops, which is also backed by small cafes and pubs.

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