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Off IVA Register - Freeman Jones

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I started an IVA in 2012 with Harrington Brooks who were fine for the first couple of years.

I increased my payment from the initial £100 - £250 per month.

I had a couple of payment breaks and then the communication from them stopped.

 

I then found out that they had been bought over by Freeman Jones.

I emailed both parties asking what was going on January 2018.

 

They had sent an email which I missed but I explained that although I had recently started work again in 2017 I had just been made redundant.

I also explained that it was 6 years and the IVA was clearly not working.

 

HB had given me an extended payment break I didn't ask for and it was clear that this information hadn't been passed to Freeman Jones.

I have emailed FJ several times, the last time was last week, and have had no response nor acknowledgment.

 

I was prompted to do this last week as I had received a chase letter from a creditor about a £264 debt from 2010.

I then checked the insolvency register and I am no longer on it!??

 

Am I about to receive a barrage of letters from creditors (all debts more than 6 years old) or is that it??

 

Any advice would be greatly appreciated.

Many thanks

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oh god you got had by HB .

never mind.

 

forget about it all now

I bet very little actually went to the creditors anyway

you payments get mostly swallowed by the IVa providers hidden fees.

 

yes you'll probably get half a forest through your door now. 

but don't worry.

I will guess you never even checked the enforceability of any of the debts that I suspect now are all owed by fleecing DCA's?

 

can you list your debts please.

dx

 

moved to the debt self help forum.

 


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

 

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Have had no further correspondence from any creditors except the one mentioned above.

I have had a reply to my March email to Freeman Jones, last week!!

 

They said due to the arrears my IVA was terminated and I need to seek further help.

 

As far as listing my debts is concerned I know that 50% have been written off, Wonga, Lending Stream and the like.

Most of the debts are between 7 and 10 years old.

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