Taken over old debt

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sarah754
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by sarah754 » Wed Aug 30, 2017 5:23 am
Hi asking on behalf of my father who has just completed an Iva and has now received a debt collection letter from a company that has taken over an old debt (less that £400) but this was included in his Iva? Do we reply to the company or contact debt free direct...any advice appreciated 😊 thank you
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kallis3
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by kallis3 » Wed Aug 30, 2017 7:21 am
Hi,

It would have been included so it's nothing to worry about - probably a lack of communication.

You could contact the company and, if needs be, send a copy of his completion letter.
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Foggy
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by Foggy » Wed Aug 30, 2017 8:41 am
Companies often buy debts in auction type bundles or lots, without knowing the background of each (or any) debt. As Kallis says, a quick letter to explain should suffice. They might want evidence such as a copy of the Chairman's Report, or the Final statement, showing the debt was in the arrangement, along with a copy of the completion certificate, showing that the IVA completed successfully. But, for a debt of that size, they might not bother.
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neverending
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by neverending » Wed Aug 30, 2017 4:14 pm
Hi

Send the debt collection agency a letter including a copy of the completion certificate, ask for conformation that they will not make any further contact as the debt is no longer valid

Kind Regards
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kallis3
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by kallis3 » Wed Aug 30, 2017 4:51 pm
You will be fine - nothing to worry about.
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