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Posted: Mon Apr 11, 2011 10:47 am
by Random Lady
Hi - we are rapdily approaching our 2nd review. Suddently we have started receiving letters from creditors and companies they have passed the debt to and also statements from the Halifax asking for a minimum payment of the total balance!! I didn't have this problem at the first review and wondered if this was normal practice?? I will be forwarding them on to our IP just in case there is anything they need to do but just thought it was a bit strange!!
Posted: Mon Apr 11, 2011 10:54 am
by ginger3232
Chances are you will get statements routinely - however if you are getting demands for payment - send these to your IP and ask him to deal with it.
Perhaps the debt has been sold on - and records need to be updated - regardless they still bound by the IVA
Posted: Mon Apr 11, 2011 10:57 am
by St75
Hi Random Lady,
I receive statements from Halifax too and forwarded them to my IP.
I think they have to send them as part of the Consumer Credit Act 1974 or some such law.
You are protected by your IVA so I wouldn't worry.
Posted: Mon Apr 11, 2011 11:02 am
by Tina Shortland
Hi Randomlady - your IP needs to contact them to remind them you are in an IVA by the sounds of it! Your IVAa protects you as St75 says so no action can be taken against you however it would be good for the requests for payment to stop! They need to update their records.
Regards
Posted: Mon Apr 11, 2011 5:09 pm
by kallis3
You do get statements once a year although mine do state that it is just a formality.
Forward them on to your IP. Otherwise just ignore them.
Posted: Mon Apr 11, 2011 6:47 pm
by Broke of London
What a nuisance! A stern word from your IP should put a stop to this x
Posted: Mon Apr 11, 2011 8:35 pm
by antm
I got my first statement during my IVA last christmas, was a bit of a shock tbh, just forwarded them to my IP.
Posted: Mon Apr 11, 2011 10:45 pm
by Broke of London
I've not received anything either. I moved over a year ago and my creditors were notified at my annual review last Summer but I assume they haven't updated my accounts. It's wrong on my credit report and the insolvency register too. I could almost disassociate myself from it completely!
Posted: Tue Apr 12, 2011 6:35 am
by kallis3
Must admit that anything I received now wouldn't bother me as I know I'm protected. The creditor concerned would get a very strongly worded letter back from me!
Posted: Tue Apr 12, 2011 8:07 am
by plasticdaft
Yup a letter to those concerned but no excuse for this kind of harassment at all. Contact your ip but don't worry about it at all.
Paul
Posted: Tue Apr 12, 2011 11:49 pm
by Random Lady
The Halifax Statement unsettled me a bit but then I thought what can they realistically do??? Nothing.
Finding it quite funny now that one of the creditors has sold on a small debt in the grand scheme of things (was only about £500) and the new company have sent me 6 identical letters for the same amount/account in one week - well that's one way of spending their postage budget but it won't get them any extra money or any quicker!!
Posted: Wed Apr 13, 2011 12:37 pm
by kallis3
If they carry on sending you that amount of letters they'll soon have spent enough on paper and postage to write off what you owe them!
Posted: Wed Apr 13, 2011 1:01 pm
by Goosed
I keep getting emails off Capital one telling me that my latest statement is availabe online!!!
I do get a statement every month off Halifax Loans, but I`ve had nothing off them regarding my visa card and overdraft.
Posted: Wed Apr 13, 2011 3:42 pm
by kallis3
Don't they waste some money on unneccesary letters!
Posted: Wed Apr 13, 2011 6:28 pm
by TheMatrix
kallis3 wrote:
You do get statements once a year although mine do state that it is just a formality.
Forward them on to your IP. Otherwise just ignore them.
I only get half a tree from max recovery the other creditors have never sent me a statement