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Wescot/santander/IVA/payments

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  • miaboo
    miaboo Posts: 46
    Part of the Furniture 10 Posts Combo Breaker
    Forumite
    If it was a joint debt, you are both jointly and severely liable for the money.

    The IVA is paying his share, they can chase you for yours, are they doing so currently?
    Yeah for 6 years the IVA has been paying his directly to Santander and I've been paying wescot for mine for just under 6 years.
    But the 2 letters we had from Cabot were 1 each in our names so they shouldn't be asking for him anyway. Just confused me abit when my credit file is saying it's closed and no default is listed 
  • sourcrates
    sourcrates Posts: 33,006
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Ambassador
    edited 17 January 2025 at 12:36PM
    If you are going to complain, make certain you do so within 6 years, there is a limitation period on most things, you have 6 years to make a complaint from when the event occurred.
    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-letter
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