We recently had a full and final offer accepted but unfortunately at the last minute this fell through. The IVA company are now saying this is a breach of our agreement. We have continued to make our payments through this process so we are not in arrears. How can this be a breach of our agreement.
Why did it fall through ? If you pulled out then, yes, you have breached the new agreement ( the IVA would have been amended to a lump sum payment when the F&F offer was accepted. You need to see if the IP will now propose that the original terms be reinstated --- which may or may not be agreed.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk