Thanks everyone for replying. Sorry my IVA completed in August 2021 and I received my completion certificate in Feb 2022. Cabot are not one of my creditors listed in the IVA so this makes me think it’s been bought. Next time they call I will answer, will they be able to tell me who they bought the debt from? And would it be a case of sending my certificate off to confirm this debt, if any, was part of the IVA
Don't acknowledge the debt - just ask them what they are talking about as you have no idea.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
First get them to confirm that they have purchased a debt and to tell you what that debt was. If it was included in the IVA ( as it should have been if it was your debt) inform them that the debt they purchased was included in an IVA and written off and that they have no claim. They may wish to see proof like a copy of the proposal and completion paperwork.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
