www.iva.co.uk

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

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.

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.

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a copy of the completion certificate, ask for conformation that they will not make any further contact as the debt is no longer valid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

You will be fine - nothing to worry about.