The letter is actually from a debt collection company talking about court proceedings, Debt Free Direct have contacted them and also my wife has spoken to them in the past 12 months but no notice seems to have been taken of their correspondence.

Even though my wife has an IVA with HBOS and they agreed to the IVA 12 months later they are still pressing for payment, what is the legal stand point? are they breaking the law, and is there any recrimination for their approaches?