www.iva.co.uk

Hi all, been a while but need a little advise
Our IVA was completed in 2013 and we have just had a ppi letter sent to us telling us they upheld a claim for xxx but as we were in IVA it will be sent to GT/aperture .
rang GT?aperture telling them about it and as we have been finished 2 years what is the procedure
Not a very helpful man on phone i must admit
I explained ours was a non protocol IVA and we DID NOT sign the mvm letter as our full and final had already been accepted in 2012
Now they say I have to pay this over to them even though completion certificate has been receive and that it was a condition on my final report to creditors (which I can not find) ant advice please ?

It is very difficult to advise but I would suggest you get a copy of the Chairman's Report and Final Report plus a copy of any deed of assignment. You may need legal advice as this is not cut and dried.

The legal position at the moment is that once you've had your CC (if you haven't assigned etc) then the PPI refund belongs to you however this is going through the Court of appeal and won't be heard until sometime next year so could be overturned leaving things a little bit in limbo. Ask Aperature for a copy of your final report and their written explanation as to why they believe they are entitled to it.