Hi Firefox, thanks for your reply. I totally agree with what you have said. I wrote to my IP yesterday along the lines of the points you have made. even one of the more junior members of staff who I have been speaking to said that he thinks it's unfair. It was the partner of the IP firm that has dec...

I have no clue whether it was based on 2004 or 2007 guidelines. I'm going to try the previous suggestion of trying to settle this amicably with my former IP, and if not I will have to undertake any legal challenge myself. I'm fully prepared to do so as it seems no-one is really clear on what the sit...

Foggy I don't think this applies to anything other than PPI refunds, as the PPI was a thing in action at the time the IVA was open. However, in my opinion that 'action' can't apply to something that did not exist at the time the IVA was open as PPI refunds for mis-selling was not an issue in 2008-9....

Jamie, that's interesting. So what you're saying is that at this point in time there is no legal precedent for IP's to do this at the moment? If so, my best option if there is no resolution is to challenge this legally Michael, I'm sorry if I sound a bit cynical but my IP wasn't interested in the mo...

Well, that's one small bit of good news about the credit file then. I guess if the IP does the work there will be a fee involved, so my consent would be required for them to go ahead....what happens if I refuse to give it, and can they reopen the IVA without my consent? My IP is taking legal advice....

Thanks again Michael, do you know if I need to give consent to re open the IVA then....obviously I wouldn't do that if it's such a grey area. This would need clearing up before I would even consider it. You've given me some good information to be getting on with....the F&F is a good point....can't s...

Thanks for your reply Michael. While I understand the principle of what you are saying about the PPI claim, what I don't understand is how my IP can re open an IVA after it is closed. Can this be done without my consent? The consequences for me of the IVA reopening are all negative, surely I'll be b...

I really don't understand this....surely the IP can't reopen an IVA after is it finished? I know for example, if there was a debtor that I had forgotten or left out of the IVA then I would still be liable for that debt. Surely it's either completed or not? As for the PPI money, I'm pretty sure the o...

Hi, just an update on this situation of mine. It's been months of waiting but finally Lloyds Whoelsale Banking said that as our debt with them was satisfied (written off due to F&F IVA) they would not be keeping the PPI refund to offset against. Great...or so I thought. I heard today that Lloyds hav...

Thanks for all your help. I will continue trying to get in touch with Lloyds tomorrow and also the ombudsman if I can't get through to Lloyds. I will keep you updated if I make any progress...this has given me lots of encouragement - Thanks!

Ah yes - very good idea...I didn't even think to call them and I had the leaflet with my offer letter as well! I think it's definitely worth keeping at it with Lloyds as I don't think they hae a case for taking this money...the outstanding loan was underwritten by the DTI so surely the money should ...

Wow...I really hope so, I got the refund letter the day after I got made redundant and it is a substantial amount of money. Honestly though, I wouldn't mind so much if ALL my creditors received a percentage, but my IP said IVA is completed so he can't do anything with the money and that's that. Now ...

Hi Don't pay someone!! I did the form myself and it was extremely easy - just sent one letter from the template on Money saving forum, sent it off and got an offer letter 3 months later. it took me about 20 minutes to do and that was that. No chasing up, no phone calls and even better...no fees! I s...

Hi everyone and thanks for all the answers. In answer to plasticdaft...no the secured loan was paid off in full as we sold our house. There was an outstanding balance on the Lloyds DTI business loan, which was paid 52p in the pound when our IVA completed in 2009. I'm not sure how much was left over ...

Hi I completed my IVA in June 2009. One of my outstanding creditors was Lloyds TSB, who we had 2 business loans with - one was secured on our house and paid off when we sold our house before the IVA was completed. The second business loan was with the DTI's small firms loan guarantee scheme. We paid...