I entered an IVA agreement around 4 months ago and have been making regular payments. However, I've just come back to my home address after a few months and seen letters saying I haven't signed my chairmans report and had 7 days to do so on the 5th of October. I've then had a letter from a creditor saying the agreement was terminated and I now owe them the outstanding balance. Does this mean my IVA company has cancelled my agreement? Surely I would get a failed report before my banks start contacting me? Sorry for posting something which might not be answered, the office doesn't open until Monday and I'm stressing out! Thanks in advance
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