Left with IVA debt problems

[Stressesw1fe]

So last year we had some problems and I thought it was stress of financial issues so agreed to take an Iva in my name alone. The idea was keep hubbys name clear incase we ever needed to get credit for emergencies.
Well he has now left me.... with all the debit and no help. I’m struggling with the emotional side of him leaving but now i have to leave my private rental as I can’t afford the rent. I can’t private rent due to credit rating so am waiting for help with social housing and may need to go into a hostel.
The icing on the cake is my car is in his name on finance and he is threatening to take it off me. I am a remote worker and my car is essential for my job.
When I am rehoused in a cheaper property i can afford the car payments but until then i am struggling.
I don’t know what has happened to my husband, I don’t recognise this man.

Did they take any of his income into account when doing your budget? For example even though he is not on he Iva was it assumed he would pay half of the household expenses?

I wound phone your Iva company and tell what has happened. You should be able to request a review of your payments based on change of circumstances. Of course it will have to go back to creditors for agreement.

Yes they took his income into consideration so I have contacted them for review which I am waiting on.
I guess they will reduce it which will help it just feels so unfair, half of these debts were his and he walks away from it. It’s not just the monthly payment but the fact that I am black listed for the next 5 years and can’t move on.