Hi Michelle,
I can understand the panic in your posts, I'm no expert and just starting out on the IVA journey, but I would do the following, it is a combination of what people have said above any my own thoughts.
1. Dig out your old IVA proposal which lists all your creditors and the proposal if you still have it.
2. Get hold of all your statements from the bank that show payments in accordance with the above proposal.
3. Dig out all communication from the IVA firm which shows that the IVA was accepted.
4. If you still have it , print a copy of the "you have since fully completed your IVA" communications from them.
5. Write to the insolvency practioner at the firm whose name is present and/or who put your IVA forward. Asking why you have only just been imformed your IVA failed and for copies of any breaches sent to you over the term covered by the IVA. Also ask for copies of the proposal and statements of your account. If required use a subject access request allowed under the data protection act, if they are difficult, if it was me I would write to the IP, but also at the same time to the "data controller of the firm" with a subject access request
https://ico.org.uk/for-organisations/gu ... s-request/
6. Just a thought, you didn't change address over the course of the IVA did you so they could to contact you ?
7.Share the results of what the IVA firm say on this forum
8. How long has this creditor been pestering you ?
9. Ask for the address of said hassling firm and write to the company/debt collection who are Hassling you asking for specifics and proof of the debt and when it was transferred to them, advising that you believe this debt was covered by a completed IVA, and you're in the process of gathering the information to present this to them, in the interim you would appreciate if they would give you 30 days to do this. Advise from now on that all communication should be in written form only as you're concerned that they/ the creditor may have acted inappropriately by selling the debt on which was covered by and IVA.
10. Contact the insolvency service and ask for details of your IVA records, e.g. Does it show started/registered and a completion, or are you still on there ?
11. Don't engage in any further conversations with them.
12. If they do a credit search in you its not the end of the world, I had a credit search alert a few years ago from a debt collection firm based in Leeds and called them asking who the **** gave them access/permission to do that, when they could not provide sufficient authorisation to do it I asked them to remove said search with credit agencies or I would be escalating with appropriate governing body and within 7 days the entry was removed from my file.
Once you're armed with all that information it should make the picture a lot clearer.
Again, I'm no pro or IP but armed with all the above information you should be able to put the pieces together, or people on those former can be better informed to help you as best they can and asses your options.
I would suggest that you don't allow yourself to be intimidated and do not part with any money, it is possible it could be some sick scam.
Let us know how you get on. Remember written correspondence only in the event your need to resort to the governing body.
