hello g.h. I want to make sure I understand your question. You had credit/store cards on a zero balance and did not list them on the IVA? You then had an IVA accepted. Please Do Not use those credit cards. Infact, cut them up if this is the scenario and send them back to the creditors.
If you are in an IVA and struggling with the monthly payment. Talk to your IP, but there may be a clause about not having a modification meeting within the first 24 months of an IVA.
Credit fraud is a big area. It covers anything from lying about income to obtain the credit through using someone elses identity to obtain credit onward to obtaining credit knowing you can not afford to pay it back.
Depending on the size of the debt a Debt Management Programme( DMP) may work.
Contact the CCCS for professional help. Here is the link:
http://www.cccs.co.uk/ . An expert from this site will give advice, but more information from you will clarify your position so they can assist you better.
Take care.
All I have left is my humour.
