www.iva.co.uk

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?

Hi there and welcome to the forum

I think that they are merely complying with a new banking code which requires them to notify their customers each year of the amount outstanding on their debt. It is nothing to worry about, and you should ignore the letter.

Re-read the letter - if it does demand money from you then they are breaking the law. If you would like to forward to my email address a copy of the letter I can advise you - Melanie is right in that there is a legal requirement to notify you you BUT not to demand monies once you are in an IVA.

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.

Seems like this is a lack of communication between the Debt Collection company and the creditor. Send the paperwork to your IP and let them deal with it for you.