Thanks for your help and advice guys.

Finally got to speak to someone from BH...

It is a standard letter sent out, and as long as the account remains as it is, no further action will be taken.

Nowhere in the letter it is even implied that continued payments would mean no further action.

Just seemed to be getting back on track after entering into an IVA when I get a letter from Black Horse Finance threatening to repossess my car. The debt on the car wasn't entered into the IVA, and I haven't missed a payment. I made a late payment back in March, and was 1 day late this month because...