I was advised to lie to my IVA company by the debt guardian company that put me in touch with them.
I raised concerns about roping in the finances of the mother of my children as our relationship wasn’t great. They told me to say I had no children.
I’m half way through my IVA now, and about to start paying child maintenance as we are indeed going our separate ways.
I’m wandering how this change in circumstances would be received by my IVA company, I feel it was awful advice and being trapped in a lie has been a burden, but I took his advice before I was swallowed up by my debts in order to keep a roof over my kids’ heads.
What information would they need and would my whole agreement fall apart?
That is terrible advice - I'm really sorry! Have you complained about Debt Guardians? I don't know if they are registered with the FCA but that seems very wrong!
I don't think I can help you here but I would advice always being upfront with creditors and the like and keeping communication going. People do just have money problems through no fault of their own and if you do everything you can to fix it then you're not doing anything wrong.
I can only suggest a full and frank discussion with your IP ( I hope they are one of the more helpful companies ).
At the end of the day, although wrongly advised to lie, you followed that advice, knowing it to be wrong. Hopefully your IP will understand that, at the time, you were caught in a swirling maelstrom of worry and emotion and were, basically, swept along with the tide!
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Easy for us all to sit and say you shouldn't have lied, but when you're in the continual cycle of robbing Peter to pay Paul its easy to get carried away and go with the advice given to clear your way forward.
It's done now, so I think foggy advice of a very open and frank conversation with your IP is required and see where that takes you.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Thanks for the advice on what to do next everyone, hoping that my Iva company is one of the more understanding ones is reassuring, am I to take it that there is no definitive answer to the specific questions I asked? Again, thanks for ur time
Thu May 27, 2021 11:30 amdavid222 wrote:
Thanks for the advice on what to do next everyone, hoping that my Iva company is one of the more understanding ones is reassuring, am I to take it that there is no definitive answer to the specific questions I asked? Again, thanks for ur time
I am afraid you are correct -- there is no definitive answer.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
