Bran76 wrote:Thank you. So this is totally normal practice then & I will probably receive more? Just the wording of the letter sent me into panic mode. So legally they can't do anything to you unless the IVA fails & once the IVA is completed they can't then come after you?
As long as they are listed in the IVA they cannot do anything and are bound by the arrangement, whether they voted or not. Between us we had around 20 creditors going in and, from memory, only received two or three default notices ---- but the defaults did start to appear on my credit files. When they do, just make sure they are dated around the start date of the IVA as they will drop off the files 6 years after the default date.
Bran76 wrote:What I can't get my head round is they say I have breached the agreement by "being in a form of personal insolvency"-so they are aware of my IVA. But if I'm legally protected in my IVA from any action they may want to take, what is the point of sending the letter??????
You see this is where your question falls down, you are using logic to dictate what you think they are saying . What it boils down to is that the creditors bum has no clue what it's elbow is doing. Someone thinks it is everyone's job to know what is going on, however everyone is too busy doing no-one's job to know what it is they should be doing or who it is they should be communicating with! Which is about as clear as the information you got in the letter from them
Seriously, it's not worth bothering giving it any of your time or worry, just be safe and secure in the knowledge that you are covered from them taking any action in courts.
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