Thank you that helps, I see that. I entered this on a different playing field. I shall have to see what I can do to get out.

I did not know it was secured. I gave the IP a letter that was sent to me from them, it did not state secured and they have not contacted me since, till now. They did not respond to the IP.

I understand the IP should have checked the land registery.

Thank you both
No I have only just found out it was secured, I am going to need to make a plan with them.

I have tracked down the orgional IP and mailed him, though the orgional company is no more, he still is a IP, could that work, do you think?

Thank you for the link. I will try.

Yes and asked them to email what I should do, they were a bit on the back foot and all over the place. Looks like I have to make a complaint. It is third company in two years, so seems not their problem, although sympathetic and said they will give me any advice I need but no action.

Thank you, that does sound not hopeful. Yes I have complained to my IVA company but its the third compaby in two years and they say the complaint needs to go back to the orgional company.

<t>I have just found out that two years into my IVA, the main creditor is a secured debt. I went to them over council tax but of course had to add my credit cards to the IVA, which at the time I was on top of. So without that debt it would have been under £5000. I am looking into making a complaint ...