www.iva.co.uk

Hi all

We did a full and final IVA last November for a 40% dividend

Got the certificate of completion in January

Since then however, we continue to get monthly statements from Egg although no demand for payment

I rang them up today and the guy I spoke to said that basically, the account stays active for as long as there is a balance on it, it doesn't get marked as written off even though they won't chase me for the money,

It's about 6k now, was 10k originally.

Bit concerned about this as does that mean it will be forever showing on my credit file that I owe Egg 6k even after the 6 year post iva period is up ?

Thanks

The debt should have been written off when your IVA was finalised. This is the correct legal position, and Egg are wrong to keep sending you statements with an outstanding balance on.

Thanks Melanie, I'll send an email to our IP about it