<t>Hi<br/> I paid my IVA off ahead of schedule in 2012, which meant all my creditors were paid out the amounts they would have expected. Over the last couple of years I have claimed PPI for the RBS.. They have paid me back the PPI, but the said that are withholding 6k of money on a card mentioned in...

Hi Foggy

Thanks for your reply, Just another question now please? If the Redress I get back from the RBS is more that what is owing to my IVA, am I entitled to claim the extra cash for myself please?

<t>Hi, I completed my IVA in 2012 after coming to a deal with Grant Thornton that was accepted by all parties. I am now in the process of asking for PPI back from the RBS and they have gone to my IP, but don't know the persons name who was my IP. My question is, are GT still involved in IVA cases pl...

Hello all
I successfully completed my IVA in November 2012 and I am now trying to start my life again by applying for a mortgage. Can you give me any tips on who to go to, for people like me, who have completed an IVA, please?

Hi, I received my Closure Letter in November 2012 and and on Saturdsy decided to upgrade my 'standard' bank account with Santander to a 123 account which also included the option to obtain a credit card with them. I have been with this bank for 7 years now and I am well in the Black. I receied an em...

Just wanted to let people know of some good news. My 6 month closure process with GT was dealyed by 3 months from July 2012 and only commenced in October 2012. I was fully expecting it to take until April 2013 and to my absolute amazement I received a letter, out of the blue, in November 2012, from ...

Hi Melanie Although I asked my IP for a copy of the T&Cs assocaited to my IVA, they sent me 2 documents yesterday that included the original proposal and what looks like the Chairmans report from the start of the IVA, which has the following info within it:- 1. Repayment by Creditors Where any credi...

Oh and by the way, the original IVA was owned by Debt Matters, if that makes a difference?

Although my proposal states there is standard terms and conditions attached, they don't seem to be attached. Could I ask my IP for a copy?

Hi Melanie I have looked at the 'Assets' area of my proposal and the only thing it mentions is that I have a 50% stake in the formaer marital home, This has actually been taken out of the IVA as this property cannot be sold during the lifetime of it, due to one of my sons going back to college. This...

Hi Melanie

Thanks for the reply again. I will look at my proposal again when I am at home later and send a further rply.

Regards

Graham.

Hi Melanie Thanks for your answer. Can I ask one last thing please, as follows:- I remember reading a comment you made regarding whether or not PPI is an asset or windfall and it depended on the wording in my proposal. The wording in my proposal, in relation to this is as follows:- Inheritance and W...

Hi lesley

From what I have read on here it sounds to me as though they will do anything to delay closure and I cannot believe any other business/contract between parties would take at least 6 months to close. It is beyond belief to be honest.

Hi My IVA is in the middle of the closure process, which could take up to 6 months to complete. Can anyone tell me whether having a solicitor working on my behalf, will it speed up the closure process? If so, can somebody tell me of any solicitors in the Liverpool area who deal with issues around PP...

Thanks Melanie