Hi all, i am currently in an IVA and when i set it up i thought i had included all my creditors. However 1 has surface from about 4 years ago. Now i dont mind ignoring it as i have in the past but as im in this iva and its a fresh start i would really like it to disappear. Can i add another debt to an already arranged IVA?

Ok so i brought a car in april for 3200, i got it cheap as the head gasket was gonna go and i know someone who could repair it. in may i was in a crash (not my fault) and wrote the car off. I told the garage that i paid £3200 for it. 3 days later direct line called telling me the were going to send me a cheque for £5200. i asked them to double check the amount and they did. i have then had two letters confirming the settlement offer of £5200 and a cheque for 5200. i have cashed the cheque and brought a new car for that value. now 6 weeks on i get a phone call saying that a mistake was made and they want 2k back. i told them its gone, they said i should of known the market value of the car. i told them im not a car man so i was just pleased with the settlement and i have got the letter still and there is no money left so they cant have it. they then said as its there fault they will let me off with 1k?? surely this means they havent a leg to stand on so there trying to get anything they can? i said i need to speak to a solicitor as i have no money and need to know my rights. they said ok and i'll speak with them another time. What you guys reckon? do i need to find the cash or is it there problem and tough luck?