A question about : sudden contact from creditors after several years
Hi, In 2006 I entered into a joint IVA agreement with my husband (at the time). We later separated in 2007, but he agreed to continue to keep up the payments on the IVA and I agreed to not hassle him for child maintenance payments for our son.
It has been my understanding that this was completed and the issue was resolved.
However, I have recently been contacted (some 8 years later) by one of the creditors (American Express) that was included in the IVA saying that I owe them money. (nearly Ј2000).
I have checked my Experian credit report and there is no record of any debt with American Express on there at all.
Also, about a year ago I received some debt advice about building my credit back up and they did a search of some IVA database? and it was found that my details were also no longer on there assuming because that it had been settled and now dropped off the register?
Also i'm not sure if this has any relevance, but the debt with American Express is in my maiden name, and the letter was sent to my parents address which I have not lived at for about 10 years, but they have also been ringing my parents house asking for me. My parents have told them that I no longer live there, but have passed the letter on to me.
I'm not sure how to deal with this. If I contact them will that just not renew their interest in me. However, I also want them to stop contacting my parents, and for a debt that I believe to be no longer valid.
Please help, Thank you.
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