Failed IVA

[Supergrover]

Re: Failed IVA

I haven't responded to any of the letters, they are basically saying I owe X amount of money and if I call them quoting ref no ..... They will offer me a reduced settlement amount, (these do not show on my credit file). The one on my noddle credit file is different, it has a very old address on it that I lived in 2006/07, and have never had any contact from them a company called tti spc, whom I have never heard of. The letters are from Drydens Fairfax I think.

[MrsD]

Re: Failed IVA

ok it sounds as if you have woken them up by looking at the CRAs what exactly are the letters saying and have you answered any of them. It may be that they are not sure that you are you and can be phishing, have you phoned or confirmed yourself to them and are you getting calls as well?

[Supergrover]

Re: Failed IVA

Bank loan, store card, credit cards and I think a small overdraft. Things like credit for furniture. Unfortunately my OH at the time couldn't get credit so I made the purchases, on the agreement we would pay half each, things went bad he never paid a penny and I got home one day and everything was gone. These were between 2004-2007/8, I entered into the IVA in 2008 which lasted roughly a year until I was made redundant. Turned out he hadn't been paying the things he said he was doing either and I ended up paying his bills and council tax for quite some time when he disappeared, so it's a time of my life I'd really like to not come back if I can avoid it.

[MrsD]

Re: Failed IVA

what kind of debts were they?

credit cards? overdrafts? loans?

and when were they taken out ?

[Supergrover]

Re: Failed IVA

Yes I am in England. I was concerned the last payment from DFD to creditors may have been made a lot later than my last payment to them. I did a credit report in 2010 and there was nothing showing on there at all. I have been getting letters from drydens fairfax with regards to 2 amounts but have not responded as the letters do not state to what accounts it is regarding. I noticed a default that started in 2011 but there is no account number and I am not familiar with the company that is with, but it does say it's been in default since 2011. I have been able to get new credit within the last few years which I use for emergencies, never had any problems. But these things that are now popping up are damaging my file. I thought it was all SB but am now really worried it's not. At latest the last payment I made from my account to DFD was April 2009 as I was made redundant in the early March.

[MrsD]

Re: Failed IVA

welcome to AAD

since you are talking about an IVA I am presuming you are in England? in that case it usually be 6 years from the last payment. As you have a default from 2011 are you sure you didn't make any payments in the interim period?

I wouldn't be looking and poking around credit reports as this is usually a flag to the creditors to come and anoy you about this again.

[Supergrover]

I am looking for some advice as I have some old debt from a failed IVA, the last payment I made to the IVA was Feb/Mar 2009, I am just starting to get letters from recovery companies offering "huge discounts". I never heard from the IVA company after my last payment despite asking them for paperwork and have since moved house twice. So I'm wondering how I can find out if the debt is statute barred? I am a full time carer now and am not able to pay this off, and obviously would like to start moving forward. I have also applied for a copy of my credit file recently and am awaiting this from experian, I did get my report from noddle and have a default on there from 2011 which may be one of the debts from the IVA (that has been bought by a recovery company), Unfortunately as there was never any effort from the IVA people to contact me I don't know when this actually failed.

Any help and advice would be hugely appreciated.