I know they can't apply to make me bankrupt because the debt level now has to be £5000 and I doubt they will pursue this through the courts because they would need to justify why they were lending to someone in an IVA and explain their extorintinate charges. I think it unfair that the FCA will only target loans within the last 2 years.

Hi I have payday loans with the above dating back to 2012 and despite Being in a IVA at the time I was accepted for the loans which were rolled over numerous times. I hold my hand up and should never have taken these out but I feel they did not carry out correct checks which would have shown I am in a IVA. They were not willing to accept payment plans which then resulted in the debts growing. I have managed to get 3 other pay day loans written off. QQ is highest at £1,900 from a loan of £400. Does anyone know if I can get these written Off? QQ confirmed my account is not one of the recent 4000 due for refund and confirmed my account is at bankruptcy status not sure what they mean by that as I am already in a IVA. Any advice appreciated.