Fees and Key Information


If you choose to enter into an IVA, there will be fees involved. The level of any fees taken will be decided by your creditors and any genuine costs in relation to your IVA may also be claimed back.

Individual Voluntary Arrangement fees.

You’ll only be charged a fee if your Individual Voluntary Arrangement (IVA) is proposed and accepted by your creditors.

All fees are paid out of – not in addition to – your regular affordable monthly payments.

Once your IVA has been accepted, the fees you pay will be:

Nominee’s fees

A licensed insolvency practitioner must act as nominee on an IVA. This fee covers the professional costs and charges involved in arranging your IVA, including:

The fee will typically be between £1,000 and £3,000 and is often capped to an amount equal to your first 4-6 months’ IVA payments.

The Nominee’s fee will be paid first, before any payments are made to your lenders.

Supervisor’s fees

The Supervisor’s fees cover the ongoing work involved in running your IVA and is calculated as a percentage of “realisations”: typically it’s charged at 15-18% of any money received by the Supervisor and distributed to your lenders, such as your monthly contributions, any assets (e.g. the equity in your property, successful PPI mis-selling claims) and windfalls (e.g. an inheritance) that you receive during the term of your IVA.

Disbursement Costs

Disbursements are payments made to third parties involved in your IVA, to cover essentials such as the registration fee that comes with being added to the insolvency register.

There’s no available legal aid to assist with the setting up of an IVA, but National Debt Support don’t charge upfront fees. You won’t have to worry about these fees as they’ll be deducted from your monthly repayments.

There might also be costs incurred directly in connection with the running of your IVA, such as postage and insurance, which your IVA provider is entitled to claim back.

How much you’ll pay in fees will be clearly set out in your IVA proposal. They must be approved by your lenders and may be changed before the proposal is accepted.

The average fees paid by our clients are currently:

Nominee’s fees: £1,209
Supervisor’s fees: £1,597
Supervisor’s costs: £900

Key information

National Debt Support LTD does not directly provide solutions, we offer no obligation referrals to trusted providers of appropriate solutions and receive a fee from these providers if customers agree to these solutions. All the Insolvency Practitioners that we work with are authorised to act as insolvency practitioners in the UK, by the Insolvency Practitioner’s Association.


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