MY IVA AND MY EX

lizabethgell

When me and my partner split I was a single mum with lots of debt to pay from our debts mostly in my name (I know idiot) and also some joint. I couldn’t keep up repayments and I got an IVA so I could manage.

jump fwd 2 years. One creditor is now chasing for the previous full debt amount. And ex partner is harassing me that I am to help him pay it.

so 1, they can’t chase the full amount from him when some debt is being paid off surely?
2, I know my iva protects me from being chased but can I take on the whole debt so it is covered by my Iva so he doesn’t continue to harass me regarding it and equally doesn’t get penalised when my iva ends?

Honestly, when I took it out I didn’t realise the implications it would have on them chasing him for the remainder debt but when we was together I was mostly on a low income and he was the bread winner, not passing blame but that’s the reality of it... he also when we split he was quick to solve his own debts without offering to help with our joint ones and it was me they chased then as he never gave his address to anyone and I was being chased down for payments and it just gave me such bad worries and anxiety.

I’d be happy to take on all debts from our joint ones so I continue paying my iva and he isn’t chased just so the harassment stops

JCS1

Any joint debts will most likely be joint and several, so companies can chase both of you for the full amount.  

I can't see any company agreeing to move to your sole name, as with you in an IVA that means they are unlikely to obtain the full value.

sourcrates

You can’t do that, things are, as they are.

With joint debts you are both liable, but you are covered by the terms of your IVA, he isn’t.

He will just have to make his own arrangement, as you have done.