Advice please

Martin1979

Almost two years ago I spilt up with my ex she stayed in the house owed by both of us shortly after she moved her new boyfriend in. When we were together we both worked and could both easierly afford the Mortgage and loans. She gave her job up and she and her boyfriend expected me to pay the lot for them to live there for free.
To cut a long story short I couldnt and wanted to sell the house so she took out an injunction to stop me from going to the house.
Evently Blemain Finance took the house back my ex posted her keys back to them just before there were going to take us to court.
Three months before Blemain valued the house at £82,000 and a year before for £95,000 they put the house on the market for £59,000. I phoned them to ask why so little but by this time it had already sold in less than a week me and my ex had it valued at £125,000 six months earlier I pointed this all out to them and was told they would look into the earlier valuations and that the £59,000 was an independant valuation which they said theywould send me prove of (still not recivied) I also said to them that if the house was only worth £59,000 then they shouldnt have lent us the First secured loan.
Soon after Blemain was saying that after the mortgage was paid off there was still £45281 owing on the secured loan and I also owed Welcome £11086.
My ex went bankrupt and left me with the whole debt I didnt want to go bankrupt so took an IVA out
Back in March/April 2008 Blemain turned up to the creditors meeting still saying I owed £45281 I also had to add my credit card which was upto date with payments to the IVA the IVA was accepted.
Back in November I started having difficulties in meeting the payments having already wrote to blemain asking for prove of valuation and a break down of charges and not having a reply I wrote again I still havent had a reply but they have told the IVA nominee that it is only £9000 that I owe not £45,000.
I would never have took the IVA out had I had known this the IVA has seriously affect my business not being able to get credit and has ment that me and my girlfriend Clare cant get our own house and have to live with my parents.
What are my options now? Is there anyway of improving my credit rating? Should I seek Legal advice as I feel that this was unfair and as ruined my life and business?

Thanks

Martin

10past6

Hello Martin

Welcome to MSE, sorry to hear of the situation you find yourself in, you may like to re post your question in the IVA forum here you may get a better reply.