Hi,
Thank you for responding.
Yes, you're absolutely correct, I can't recall having been made aware that the debts are unenforceable.
I fell in to genuine financial difficulties and never wanted to be in a position where I don't pay back atleast some of what I owe, felt really guilty.
The discussion with the advisors from credit fix were always centred around the consequences of the IVA was not setup. The other option was bankruptcy but this was discouraged because it would be a black mark against my credit status but I've since discovered the IVA is also a black mark... I can't get a bank account with some banks... I've also been refused the government backed coronavirus small business loan because of the IVA arrangement.
The debt is owed to credit card companies, next retail, very.co.uk...with single debt amounts ranging from £200 to £3,000, with an overall debt amount of about £20,000.