Have I been given an IVA without it being explained to me, that will now affect my credit history

Question

I had council tax arrears that I paid up after receiving a liability order to avoid going to court. Totally my fault, I left it too long to sort out the direct debit. Anyway, I came across an article today talking about Individual Voluntary Agreements which you can arrange if you are in financial difficulty and which are bad for your credit history. These three words sound awfully familiar and I fear this is what I was given when I phoned up the council and paid off the full amount over the phone? However, it seems you have to be assessed for one and then sign a form, which I never did, so I'm a bit confused. I'm about to apply for a loan and I'm concerned this will affect me.

Can anyone shed any light? I can't find any useful info relating to situations like mine on line.

Thanks

Answer 1

You can check your credit rating for free (UK only) by going to this webpage.

Just scroll down and you will eventually find the cheker.

This will let you know what your credit scoring is

However if you arranged payments with your local council I doubt that it was an IVA

Answer 2

an IVA has to be done through an authorised insolvancy practitioner.  not your local council, so I dont think you have got an IVA.

I think you are getting mixed up over phrases used.