Jump to content


After an IVA


Cartoon Head
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4984 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello all.

 

I recently failed my IVA after 3 years, and am just starting to get the demanding letters, so far from moorcroft but am expecting the rest soon who will be mostly managed by eversheds.

 

Firstly, because of being in an IVA previously does this mean i have allready admiitted i owe the debts, so cannot try anD CCA them as even if the cannot provide the CCA i have admitted the debts as i signed to the iva?????

 

Secondly by being bound by the IVA would the creditors have to have produced the ccas to get the iva going in the first place, so would i be wasting my time trying to go down the cca route?

 

I ask as most cca will be up to 10 years old now, and doing a quick scan of this site its seems ccas of this age are rare???

 

Rgds

Link to post
Share on other sites

Just because you've made payments against debts doesn't preclude you from requesting a CCA. You are only now becoming aware of your rights

 

If the debts are due to defaulting on CCA governed loans/debts then they would still have to produce the document on request.

 

As they are enforcing these documents, if and when the matter got to court, if you defended the case on the grounds of "no agreement" or simply want the creditors to prove they have a right to the debt, then they would have to produce the documents at court

 

If they can't produce the documents, at the very least, it puts you in a stronger position with regard to a F&F settlement

Hope this helps

 

 

If you feel that this site has helped you in any way please leave a donation if you can afford to do so.

 

If you feel that have been helpful please feel free to tip the scales.

 

 

The large print giveth, but the small print taketh away. ~Tom Waits, Small Change

 

 

Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves

 

Link to post
Share on other sites

  • 1 month later...

Hi I don't want to gatecrash your post but read with interest that you have failed your IVA after three years. Did/have your creditors filed for bankruptcy?? I am one year into my IVA and am toying with the idea of going bankrupt as I can't really afford the IVA. Your knowledge would be very helpful.

Thanks

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...