Posted: Tue May 07, 2013 9:37 pm
Urgent advice needed...
Please could anyone advise I entered into an iva in my sole name in August 2007 included was a joint account overdraft from Lloyds for £2900, as it was a joint account my IP advised my hubby to make regular payments into this account so this as agreed with Lloyds and he paid monthly payments of between £11 - £15 per month for the duration of the iva and continues to do so, the iva was settled early by full and final settlement in aug 2011.
Lloyds continue to demand money they refuse to freeze interest and this has never happened, no iva payments via my IP ever show on the statements and no recognition of the full and final occur, I've wrote, phoned a million times to no avai, and then today we have a letter to say the debt has been sent to a debt collections agency, my name continues to appear on all letters, I've been told my husband is liable for the whole debt but surely the iva would clear part of it and since I have now settled shouldn't half the debt be cleared ?? Lloyds are now stating we owe over £3000.
There must be some solution to this, my iva will be cleared from my credit report this August as it hits the 6 year deadline, yet this issue continues, please can anyone advise..
Please could anyone advise I entered into an iva in my sole name in August 2007 included was a joint account overdraft from Lloyds for £2900, as it was a joint account my IP advised my hubby to make regular payments into this account so this as agreed with Lloyds and he paid monthly payments of between £11 - £15 per month for the duration of the iva and continues to do so, the iva was settled early by full and final settlement in aug 2011.
Lloyds continue to demand money they refuse to freeze interest and this has never happened, no iva payments via my IP ever show on the statements and no recognition of the full and final occur, I've wrote, phoned a million times to no avai, and then today we have a letter to say the debt has been sent to a debt collections agency, my name continues to appear on all letters, I've been told my husband is liable for the whole debt but surely the iva would clear part of it and since I have now settled shouldn't half the debt be cleared ?? Lloyds are now stating we owe over £3000.
There must be some solution to this, my iva will be cleared from my credit report this August as it hits the 6 year deadline, yet this issue continues, please can anyone advise..