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Can I be chased for old debts after IVA ends?
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savingsavy
Posts: 31 Forumite

Hi all,
I have just received a letter from a debt collector about an old debt defaulted in 2016. I entered in an IVA in 2018 so this debt should have been added to it. I have contacted the IVA agency who agreed and are currently in the process of dealing with this.
However, this got me worried about what if I receive collection letters about old debts that pre-date the IVA after the IVA ends?
I will be the first to admit that I was irresponsible back then and I went through a phase of not opening my mail and putting straight in the bin for years before debt collectors started knocking at the door. I am no longer that person, however I worry about any debts that may crop up from back then. I disclosed everything I knew about to the IVA who also did a credit check to see if there was anything else and everything was added to the IVA.
Does anyone know if I'll have to pay any debt that chase me after the IVA ends but was incurred/defaulted before the IVA and should have been included in the IVA?
Many thanks
I have just received a letter from a debt collector about an old debt defaulted in 2016. I entered in an IVA in 2018 so this debt should have been added to it. I have contacted the IVA agency who agreed and are currently in the process of dealing with this.
However, this got me worried about what if I receive collection letters about old debts that pre-date the IVA after the IVA ends?
I will be the first to admit that I was irresponsible back then and I went through a phase of not opening my mail and putting straight in the bin for years before debt collectors started knocking at the door. I am no longer that person, however I worry about any debts that may crop up from back then. I disclosed everything I knew about to the IVA who also did a credit check to see if there was anything else and everything was added to the IVA.
Does anyone know if I'll have to pay any debt that chase me after the IVA ends but was incurred/defaulted before the IVA and should have been included in the IVA?
Many thanks
0
Comments
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Statute of limitation is 6 years in the UK.
Suggest you do some research.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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