When an IVA is not an IVA

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ben607

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Post by ben607 » Thu Dec 20, 2018 5:05 pm
A very long story cut short, in 2015 I applied for a joint IVA with my wife to Knightsbridge insolvency. They said creditors had rejected the proposal however an IVA could be made in just her name. I noticed in 2017 they had actually registered an IVA on my credit file and after an issue arose whilst trying to sell our house, we found out that my wifes IVA was invalid because within the IVA, out of 5 accounts, 4 were actually mine and one could not be confirmed so was written off. This means they registered an IVA on my file but one was never even created, and they created an IVA for my wife by using my actual credit accounts, not one account in her IVA was valid and in her name! this has caused Huge problems for us so we want to do something about it such as sue/claim I don't know what to do, who do we need to speak to? A financial lawyer?

Foggy

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Post by Foggy » Thu Dec 20, 2018 5:14 pm
I would suggest a chat with a solicitor experienced in insolvency -- I believe Lisa Thomas has the number of one she knows -- hopefully she will see this and respond.
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

Lisa Thomas

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Post by Lisa Thomas » Fri Dec 21, 2018 9:36 am
Sure feel free to get in touch with me about it but wonder if it's just the credit rating agencies that need to sort it out.
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
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