Thanks Michael, am waiting for the creditor's reply to my latest queries, because although they were unable to produce the original s77 CCA they should be able to produce the signature verification panels (at least) from the internal Joint account application form for the account we are contesting a...

Hi Michael & Foggy, Thanks for the replies. We have contested this debt being a Joint one ever since the creditor raised it. Reading my partner's IVA my salary and expenses are listed and I notice there is an allowance made for "my creditors" however this if far below what i would need to make the r...

My partner is in an IVA and the creditor is now stating that this is a joint debt and chasing me for repayment. However as part of the IVA proposal I allowed my salary assets and expenditure to be used to arrive at the repayment figures identified in the paperwork. Can this be considered as a joint ...