Thank you for such valuable opinion I am a wreck with it all and you are helping many thanks

It is stressing me to the limit how do I know if it was a protocol iva please Michael thank you

Thanks again. My own situation is that after completing an IVA many years ago I have the completion cert there is no deed of assignment or anything like that or any mention of PPI. I didn’t even know about all of this ppi claim thing. Then sometime later, that 1 particular bank contacted me and said...

Thank you for all the replies some good information is emerging Michael what if the creditors bank sent cheques post iva to their former debtor then also sent 1 much later on to the IVA company what will the company do with no assignment deed? Will they just keep the 1 cheque or send it back to form...

What is the legal minimum requirements for IVA firms to keep records or files is it 6 years?

What are IVA companies going to do about people whose certificates were issued a long time ago and signed off by the appropriate Court as ended stating there will be no further reports where no deed of assignment has been signed? Some of these people are now feeling so desperate having thought their...

If you have had your completion certificate ages does it mean that there are no creditors as it is finished so there are no debtors and can the former debtor keep the PPI if there was no deed of assignment from years ago? - this is how I read it help