Creditor re-appearing post IVA

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Post by joan927 » Mon Mar 11, 2019 4:06 pm
I finished my Iva 5yrs ago and con not find my certificate one of my creditors has started to contact me for more money do they have any legal rights


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Post by Foggy » Mon Mar 11, 2019 4:31 pm
If the debt was included in the IVA and the arrangement concluded successfully they cannot pursue the debt.
I would contact your former IP and try to get a copy of your completion paperwork so you have proof. You will neeed both the certificate and final report.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014


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Post by kallis3 » Mon Mar 11, 2019 6:23 pm
Agree - if it was included they can't come after you.

As Foggy says, contact your original IP and ask for copies of your original paperwork.
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