www.iva.co.uk

I finished my Iva four months ago but still get creditors letters with updates on what I still owe

Send them to your former IP and they should be able to deal with it. Regardless you are protected but you would want to ensure that your credit file is updated and that these letters are not causing a problem on that score.

It seems to take a while for messages to get through these companies, but they are of no concern ( waste of a tree though!).

Hi

Creditors do have to send statements once a year, however if your IVA completed then no debt exists

Regards

We completed our IVA about 4years ago and still receive these .today I received one from Santander who took over Alliance and Leicester with an outstanding balance they said I owed but this was part of the IVA . I thought this was against the law for them to continue after completion .

Also you might want to ring the creditors and resend them a copy of your completion certificate and ask them to update their records. There are always a few that slip through the net.

I'd be tempted to send a copy of the completion certificate (assuming youi have this) with a copy of their letter informing them the IVA is complete and therefore no further correspondence is required.