IVA - Not on register after 4 years

bluenell123

Hi,

I ve been paying an agency for 4 years and just found out that I am not on the register and there is nothing on any of the credit reference agencies. 

Does this mean I don’t have one? Does this mean I should be worried? 

Any advice appreciated 

sourcrates

IVA - Individual Voluntary Arrangement - is a formal insolvency solution, prepared by an insolvency practitioner, papers prepared and issued through your local county court, 60 monthly payments normally, creditors meeting to approve the arrangement.......any of this sound familiar ?

What agency are you paying, and what arrangement do you have with them, you would know if you had an IVA, are you sure its not just an arrangement to pay your debts via a debt management plan ???