Like lots of other people, I have had a fantastic IVA experience with Cleardebt. I really cannot praise them highly enough. However, again like lots of other people, I am having difficulty in receiving my completion certificate (I completed my IVA last year) due to ongoing PPI issues. I received a h...

No thanks Melanie. It was just a general enquiry. Thanks anyway though.

Just wondering if anybody emailed Mr Mond directly? Did they manage to get anything resolved?

I too would welcome a response from David Mond. Maybe Melanie or Size5 could give him a nudge

Good luck with that Matthew! We made our final payment to ClearDebt in August last year. We also completed the paperwork with DRSP in December 2012 for the PPI claim. We are still waiting for our completion certificate and expect to wait a good while longer. Like you, no updates from DRSP apart from...

I dont know how my first post came up with the user name of Big Ted!!

Ah thats a shame. Just want it finished asap. I thought it would be ok as I am still paying the same amount.

We were in the same situation but were told we had to comply. The gentleman came to our home and was absolutely lovely. He did not judge us at all. We were also very wary of the home visit but it was not a problem in the end.

Equity release question please. Could you please help me to understand the equity release clause in our joint IVA. The clause states: . The amount of the equity to be released will be based upon affordability from income and will leave the debtor with at least 15% of their equity in the property. Wh...

Thanks very much Melanis, really appreciate that. Shall I email a copy to you?

In my previous post I explained that I had been asked to repay ovetime payments retrospectively despite this clause not being in my original proposal. You kindly responded as follows: Simple - if the clause is not covered off within the proposal then Poppy does not have to pay over any additional m...

Thanks. My problem is that the overtime rule was not mentioned in my proposal or chairmans report. I have now been told that I must repay my overtime over the past year but at 50/50 and not 10% 50/50. When I queried this, I was advised that I had an 'old type' IVA (from 2008) and the 10% rule was on...

Maybe this is a question for Melanie please?

Overtime payments - could anybody please advise when the 10% then 50/50 overtime rule was introduced?
I started my IVA in 2008 and have been told that I do not qualify for this. Any overtime I earn has to be split 50/50 with the IVA. I do not get to keep 10%. Thanks.

Can I just clarify please. In other peoples proposals does it refer directly to the overtime clause on the proposal or does it jusr refer to "Standard Conditions for IVA's as published by the Standing Committee of the IVA Forum"? Thanks