I FINISHED MY IVA IN 2012 I HAVE RECENTLY HAD POST FROM OLD DEBTS THAT WHERE COVERED BY MY IVA SAYING THAT I STILL OWE THEM MONEY. THEY HAVE SENT THE DEBTS TO A DEBT COLLECTION AGENCY NOW AND I AM WORRIED SICK. WHAT CAN I DO?
Don't worry - they can do nothing. If you have your completion letter you can send them a copy of that and also see if you can contact your old IP for help.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
As Kallis says -- they cannot enforce collection. This could be a case of the computer anticipating statute barring (and no-one has told computer about the IVA), or the debts could have been sold to a collection firm who have no idea that they have purchased debts the subject of an IVA --- but that is their problem and their loss!
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk
My IVA finished in 2012, I had a letter from the company confirming this and that certificates where sent out. Last month I had old debters contacting me for money saying that on their system it says my IVS failed in 2013. How can this be the case if it was finished in 2012, and why now 6 years later am I being chased for old debts.? Worried sick about it!