www.iva.co.uk

I completed my IVA by F&F in October and yet to receive a completion certificate (not that I was expecting one yet!).

My question is....do the banks still have right of offset? I have just found a savings account book held jointly with my husband who was not in an IVA - it has a massive £6 in it - can we use this account to save or should I still be wary?

Thanks

Hi, well done on completion and hope the certificate doesn't take too long to materialise.

I'm not sure to be fair but to be 100% why not open a new account with a bank that isn't connected to any creditors. Lots of online savings accounts about too.

Hi, well done from me as well.

I don't think they can do an offset but as Lesley says, perhaps better to go with a non creditor bank.

They cannot offset new money against old debt - so your should be able to use the account freely now.