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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.

 


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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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