I have been in IVA for 4 years and have never missed my monthly payment. I had a hire purchase car which was the only means of transport to work as I worked about 28 miles from where I live. The car developed a slight problem and couldn't send it to the dealer as I had to manage my expenses, so I se...

How should I handle a notice of breach which I have received from IVA company because I have taken out further credit ? I notified the IVA company at the time of taking out the new credit agreement but they are now claiming that they advised me differently.