We have been in an IVA since early August and luckly had not received any mail from creditors after this time. However I did receive a letter from MBNA, a company I held a credit card with and who voted in favour on my IVA, stating that I owed them money and if it was not paid in about 3 weeks they would take court proceedings. I rang them explaining about my IVA and that they had made a mistake but they informed me they had not and I would receive these letters every 2 months now due to a new law the government had passed on 1st Oct that all banks must advise everyone who owes them money every 2-3 months.They also said everyone I owed money to would also be issuing me these letters too. I rang my IVA company who were most unhelpful and said nothing they can do just dont open the letters and send them onto us, but I thought when you entered into an IVA nobody would contact you again!! My IVA company put the phone down abruptly when I asked them this. Can anyone help please as I dont want to keep being reminded every 2 months about my debts!!
MBNA have this week admitted that they have made a mistake in sending these letters to customers with IVAs, so you can safely rip it up and put it in the bin.
No reason for your IP to be rude to you though - it is their responsibility to manage post-IVA creditor communication.
Really?? Oh god thats such good news thank you so much for replying so quickly. I wonder why they didnt admit that to me on the phone, just put the fear of god up me even more!
So if they have admitted making a mistake, hopefully thats an end to it then and I receive no more mail.
To be honest my IVA company are usually pretty off hand so im used to it now. I just think its like every company who you owe money to, they always speak to you like a second class citizen cause you are in debt.
Not every company nicsy - if my staff treated clients like that they would not be staff for very long. Politeness costs nothing, and rudeness has no place in a professional office.
nicsy, even if you do receive more letters, they can't do anything even if they threaten it, as you are protected by your IVA.
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
