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Hi , I am posting on behalf of a friend

 

, they have been in a IVA,

next year it comes to a ends after 8 years,

 

the company they are with have send that when it comes to a end

they will have to take out a loan to pay off out standing amount left over,

 

I thought if you went in a IVA after you have been discharged all your debts where write off , the original time for the IVA was 5 years,

 

but after he split with is partner he was left with the mortgage and bills to pay on his own so they extended the IVA

 

, also is ex partner has made him put the house up for sale

her name is still on the mortgage.

 

The company dealing when the IVA is X Debt.

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Who is the IVA with?

 

I would SAR the outfit that set up the IVA, sounds very fishy!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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X debt

 

Yes very dodgy and I expect you nor they did any checks if any of the debts were actually enforceable

Esp those owned by RCA's

 

Can you not get your friend to come on cag so we can get all the paperwork

Esp these on going fees they are taking

 

An iva should be a set period and encompass all debt within that allotted time

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you for your answers, I have advised him that something is wrong here ,and yes they didn't check to see if the debts where lawful or enforceable but they did claim back mis sold PPI, to the tune of about £20K, to go towards his IVA.

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Blimey must be a big iva.

If £20k PPI didn't touch it + 8 years of payments too

That PPI would have been almost twice that size as well ibet

They would have taken a hefty cut and prob the shame sister company they go to do it

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Get them to start scanning stuff up

Iva + statements etc

Into one multipage pdf

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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