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IVA finished but just had letter from credit card co
My IVA finished in December, but today (3/4/24) I have received a letter from a credit card company showing that I still owe nearly £3000.
I don't know what to do about this. I think I should ignore it, but as my IVA has finished, it should only show on my credit file until December next year, but if this credit card debt hasn't been written off, then this could remain on my file.
I thought if there was a majority of creditors willing to accept the IVA, then they all had to, so I am confused as to why I'm getting this letter now.
Have any of you had something similar? Any ideas?
I don't know what to do about this. I think I should ignore it, but as my IVA has finished, it should only show on my credit file until December next year, but if this credit card debt hasn't been written off, then this could remain on my file.
I thought if there was a majority of creditors willing to accept the IVA, then they all had to, so I am confused as to why I'm getting this letter now.
Have any of you had something similar? Any ideas?
0
Comments
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Was the debt included in the IVA is the first obvious question?
If it was, you need to write to the card company enclosing a copy of your completion certificate and a screenshot of the debt included in the arrangement.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1
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