we entered into a iva with accuma in 2006
we were told we should of never entered into a iva as we didn't have anything to secure
we were declared bankrupt by 2008
my question is were we miss sold a iva and if so what should we do about it and how do I go about it
we paid a lot of money into it
Mis-selling is hard to prove after the fact as there are so many varying circumstances to look at. The reason you have been quotes doesn't make sense as an IVA is secured on nothing ,,, you need not have any assets to enter an IVA. However, most do so to protect assets, but it is not a reason not to.
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
Who told you that you shouldn't have had a IVA? You don't need to have any assets.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk