www.iva.co.uk

My iva was finished in july15 and I have my certificate. The Halifax have sent me a letter saying they owe me £1000 ppi and have sent it to Grant Thornton my IP. After phoning GT they tell me the money will go to my creditors but if my iva is finished I have no creditors can they do this.

Yes - given that this was so recent you probably signed a deed of assignment during the IVA.

Hi and welcome,

Agree with lifenoteasy - it will be due to your creditors.

Ok thanks both, it somehow don't sit right after all the money I paid into my iva £48000 and GT took £27000 as admin charges and now they will take more? when will it end.

It means that your creditors will get more and the object was always to pay back as much as possible.

IP firms will get paid fees - I doubt they will get more now though.

I am also with grant thornton I have ppi from barclays coming I received a letter from them on the 9th of October 2013 to say that we are unable to agree that they mis-sold me PPI and then I received a letter over 2 years later on the 30th of january 2016 this year that they have reviewed my case again and they now agree that I was mis-sold ppi for the amount of £487.84 last year I have closed my ppi investigations with the EIC I thought all my ppi was fully investigated it's never ending this ppi so I don't know what will happen now as I have emailed grant thornton and I am waiting for a reply and still waiting for them to sort out the 8% interest they told me I would get back on the ppi which they still haven't sorted out.

When I took my iva out with GT in 2007 there rep told me it would only be for 5 years but it ended up 7 years and they have now taken all the ppi which was due to me nearly £25000 and nothing said, plus the £365 pm I was paying which cleared my debts but they still took the ppi and more.I have tried and tried to get some sense of GT who are now called APERTURE and I am told that's the way it is so I am thinking of going to the ompudsman. So good luck on your quest Sharon.

Hi,

You will always owe the full amount to your creditors plus fees and possible statutory interest. If you paid back your creditors 100p in the pound plus the fees etc then anything else should be payable to you.

The problem is they are taking too long to sort it all out its taken them nearly 4 years to sort out my ppi and now I may have to wait even longer.

If you have not yet received your completion then you should complain and get them to do it.