End of IPA issues

stepha4

I was given an IPA at the beginning of my bankruptcy. Over the 3 years it's gone up and down with change in income/bills etc. for the last year after our rent went up we've paid nothing and Advantis ring every so often to check for any change of circumstances.  

3 years since the start of the IPA were up last month and I've heard nothing so contacted Advantis. They've just said that I owe 2.5k!!!! He said that at the beginning of the IPA an amount was set to be paid back and even though they deemed I didn't have the disposable income to pay the IPA after my rent went up, it still needs paying? He then said he can't do anything with the IPA as it's closed but if I don't pay then they'll persue it and I can be taken to court!

As you can imagine after over 3 years of getting myself sorted etc this has come as a massive shock. This isn't how an IPA works is it? Or have I completely misunderstood?!

Any insight would be so helpful Thankyou

fatbelly

This is the problem with using a commercial debt collecctor

https://www.gov.uk/government/publications/official-receiver-insolvency-service-use-of-debt-collection-agencies/official-receiver-insolvency-service-use-of-debt-collection-agencies

I don't know what they were thinking of.

Contact the OR to confirm the IPA  is over

stepha4

fatbelly said:

This is the problem with using a commercial debt collecctor

https://www.gov.uk/government/publications/official-receiver-insolvency-service-use-of-debt-collection-agencies/official-receiver-insolvency-service-use-of-debt-collection-agencies

I don't know what they were thinking of.

Contact the OR to confirm the IPA  is over

Thanks Fatbelly. Contacted the OR they confirmed IPA was closed and have informed Advantis. Very glad that's sorted and done!!

For anyone else under Advantis for an IPA please don't take their word for anything and double check with the OR if they say you still owe money!

Now for three years till it all drops off my credit file! Still the best thing I ever did.

Thanks