I'll assume for the sake of the post that your IP firm did not ask if you had any during your IVA. Mine did not either and I finished in Sept 2011 sadly I have never had PPI..booo
you'll have to be quick as Loan companies are only obliged to keep records of PPI for six years from the last payment. However if you have the original paper work I think you much a bigger window I'm sure I've read 10 years somewhere.
Of course if it's with a firm you defaulted included on in your IVA they maybe less than pleased and give you a difficult time. It's sort of a interesting question in respect is a CC reversible?
I hoping one of the experts will give the offical line?
It really depends on whether the IVA trust extends beyond the term of the IVA with regard to the capture of windfalls/realisation of assets. I am currently awaiting legal advice on this particular point.
Hey sponge,Whoever is your IP firm,not DFD or DFS....thank god...have done you a favour!
And Mel,once the IVA is complete, it is COMPLETED...Amen. Really we don't want to hear about capturing of winfalls post IVA completion based on added 'extra time'....no this isn't football.
It's the Banks fault with this PPI misselling mess and so let them eat the toxic fall out and with their toxic loans they have strapped to the taxpayers bill. I have had enough of them and fanancial services...and anyone who works in this sector. They have debased this country's fianances, whether they speak,spanish,greek,english any or any european langauge count them all in.
Last edited by nomoremoney on Tue May 29, 2012 4:03 pm, edited 1 time in total.
Don't really know if I had PPI, maybe, dunno, don't care, had 25K written off and didn't pay interest for 5 years during the IVA, say, add another 10K-15K on that making that 35K-50K written off.
Personally if you have got your closure certificate without having to wait while your IP decides whether you should've claimed PPI (mine never did), I think you should count yourself lucky you have succesfully completed your IVA and get on with your life without making claims.
As for the concept that my mother drops dead tomorrow, leaves me 100K and then that can be trapped as windfall payable into an IVA that has been closed for 8 months is a joke though I will accept that if you knew you could get some money while in your IVA and only make the claim after then you were in breach of your IVA but how would anyone know.
Last edited by herbekj on Tue May 29, 2012 6:43 pm, edited 1 time in total.
Last Payment - November 2011 - Completion Certificate received 2 weeks after last payment, Removed from Insolvency Register within 4 weeks after last payment.
