the banks have sold the debts on, so to them at a casual glance on their systems it will say the account is closed and settled out, hopefully the bank manager will be able to confirm this is the case.
Speak to creditfix as well (also remember if you don;t get an answer that is satisfactory then call them back and hopefully you'll get someone different who can explain things better.)
Why do you think you no longer need an IVA ? You still owe the debts. And, what exactly is your complaint with Creditfix ?
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