I had the same thing; got the EIC letter in July and a completion certificate in August. The letter stated that if I did not reply within 10 days then GT would consider that I had consented to my personal data being passed on to EIC. I would imagine this breaches data protection laws as consent must...

Thanks for the advice. I don't have an equity clause; the IVA was originally with Accuma but is now with Grant Thornton. I know I had to agree some changes when Grant Thornton took over the IVA, which allowed them to modify some of the terms but these would have to be agreed by the creditors. I neve...

My IVA is due to finish in February 2012. I have not missed any payments and expect to fulfil my part of the IVA. My proposal stated that I had to repay 26p in the pound and that total fees and disbursements including VAT should not exceed 30% of total contributions. My calculations showed that I sh...