If the payments can be funded from your salary, as opposed to his, for instance, I would argue that there is no breach as this is not a credit agreement ion the strict sense.
We should have informed them which we didn’t know we had to as it isn’t a loan, but apparently it still comes under that umbrella.
Basically the Iva is in my husbands name and he took a car out through salary sacrifice at work...so it’s like a company car/lease car. Money is taken out of his wages before tax to cover the costs of everything involved in running a car minus fuel. So this was the cheapest and quickest way of him being back on the road after his bike blew up as he needs a vehicle for work.
Anyway we have to submit all this to go to the creditors and hopefully everything will be ok.
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