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Good afternoon,
So Im hoping someone can help me with an explanation if nothing else.....
So a couple of years ago myself and my husband tried to enter into and IVA however we kept trying to tell the iva company that the repayments they were saying we could afford to make were based on our two wages and we no longer had two wages that was how we had gotten in to such a mess in the first place that i had become so ill and then disabled that i could not return to work. In short the IVA was putting us in a worse situation then before. so we didnt sign the final letters and stopped it before it started.
Then we had to move our house to accommodate my illness and the IVA said they had claim to our house.... it took ages to get it sorted that it wasnt the case but i was worried that they were still around when we hadnt even gone through with it.
So I digress, its been three maybe four years since then and i have been looking on my own credit file and that of my husbands and although mine there are minimal debts owed (totalling maybe 1500) on my husbands there are a lot more but none of them and I honestly mean NONE of them have contacted us in any way shape or form, and whats even stranger is that on his credit file the IVA the we never entered into is there and says satisfied. Could this be why none of the companies are seeking my husband out? I
Any help would be gratefully received as Im at a loss with this one, and if the creditors have seen that the IVA he never entered into is satisfied are they just writing off their debts? All of the debts and I mean ALL of them last contacted us in 2012 so according to the statute of limitations does my husband only have to wait it out another two years and then have them removed from his file???
Many thanks
So Im hoping someone can help me with an explanation if nothing else.....
So a couple of years ago myself and my husband tried to enter into and IVA however we kept trying to tell the iva company that the repayments they were saying we could afford to make were based on our two wages and we no longer had two wages that was how we had gotten in to such a mess in the first place that i had become so ill and then disabled that i could not return to work. In short the IVA was putting us in a worse situation then before. so we didnt sign the final letters and stopped it before it started.
Then we had to move our house to accommodate my illness and the IVA said they had claim to our house.... it took ages to get it sorted that it wasnt the case but i was worried that they were still around when we hadnt even gone through with it.
So I digress, its been three maybe four years since then and i have been looking on my own credit file and that of my husbands and although mine there are minimal debts owed (totalling maybe 1500) on my husbands there are a lot more but none of them and I honestly mean NONE of them have contacted us in any way shape or form, and whats even stranger is that on his credit file the IVA the we never entered into is there and says satisfied. Could this be why none of the companies are seeking my husband out? I
Any help would be gratefully received as Im at a loss with this one, and if the creditors have seen that the IVA he never entered into is satisfied are they just writing off their debts? All of the debts and I mean ALL of them last contacted us in 2012 so according to the statute of limitations does my husband only have to wait it out another two years and then have them removed from his file???
Many thanks
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