Hi we completed our IVA with a full and final settlement last year at the end of August and have received our completion certificate. I had a loan with the Royal Bank of Scotland that I did not have PPI on that was included in the IVA however I have been contacted by a company and have confirmed wit...

If you have received your completion statement and the IVA is complete is the PPI cash yours to keep or is it still to be paid to IVA? What will it say in the contractof IVA is it does need paing over?

Hi we have recently finished our IVA with a full and final settlement provided by a third party. We believe we don't have any PPI to claim but a cold calling company insists my partner has..if we claimed does it have to be paid into the IVA now that it is closed and the certificate has been received...

Hi Melanie, you replied to an earlier post regarding claiming PPI once an IVA has been finalised and the completion statement has been received. My case was with your company and I have now received the completion certificate etc. I am unsure if there is any PPI to claim but if there was would you w...

Melanie Giles Reply :- The correct answer, from leading Counsel I have engaged to advise me, is that if the PPI claim was deemed to be an asset at the time your IVA commenced, then it is rightly due to the creditors who were included in the IVA. You may need to check the correct status of such recei...

Thank you I am unsure as to whether to do it or not. Please could a couple of ips comment for me.

Hi recently had full and final settlement accepted on iva and have now received our certificate of completion and all is finalised. Does this mean that if we did pay any ppi which I cannot remember in all honesty that we can try to do a ppi claim and if we do have anything. To come back we are okay ...

We have just had a full and final settlement agreed and will receive our completion statement next week (IP dates). Once we have the certificate am I right in that any future windfalls, inheritance, equity etc is ours to keep? What about PPI claims if we have any which I believe we probably don't.

Yes the CCJ was with MBNA and was included in the IVA

Hi please can you advise once a full and final settlement is agreed and paid across how long does it take to finalise the IVA and receive a completion statement? There is a CCJ on my credit file dated the month before the IVA started, does this still come under the full and final and will be finished?

Thank you, does this mean that you can remain in the property for two years and three months and then if there was say £1k equity in it then we could buy back the interest at £500 each and continue to pay the mortgage?

I am hopeful but just like to be prepared... how would the house be treated with the negative equity. Is it totally safe and not included in the bankruptcy or is dealt with differently? what happens if only one of us goes bankrupt?

Thank you I do feel reassured and just worry. The IP suggested the £5k so I know it is reasonable it just seemed that 14p in the £ was low... The situation has been explained fully. Should it not be accepted and we have to take bankruptcy as our only option would we lose the house with us being in n...

Hi my IP has put forward a full and final settlment figure of £5k to my creditors and the creditors meeting is at beginning of September. The offer will give an overall payment of 14p in the £. Are offers this low normally accepted? My IP recommended the amount of £5k but don't want to get my hop...