Thanks your advice. When you say that the records may no longer exist, what records do you mean? Because I have a copy of that IVA that what was sent to all creditors way back then. Where she represents her situation and also lists all her assets and creditors. She clearly forgot about mentioning th...

<t>IVA fraud? <br/> My stepfather had lent 30k to Mrs X who entered IVA after that. Mrs X explained to her creditors who she owed 90k, her situation and offered to sell her second home that had a mortgage on it but it would be possible to get 15k from it. IVA was approved and the creditors got 10p. ...