Just phoned northern rock as they had sent out a letter saying if you have been an iva you will not be entitled to any redress payment, had great pleasure in telling them their letter was factually incorrect as it depends on the type of iva and they should reword it to read "may" not be entitled

Only problem i can see now is if companies try to use it to offset the debt i had with them but they were all sold on to max recovery in 2007 so dont know how that goes?

Phoned payplan this morning, good news, they said that as my iva was completed in 2011, they are not interested in any ppi claim refunds, and if its sent to them it will be forwarded to me

Thanks, ill contact payplan on Monday see what they say

Thanks, yes think best to contact PayPal on monday see what they say

Hi, i took out an iva with payplan in 2006, completed in jan 2011 with a full and final settlement, sent in ppi claims through the free which ppi tool in august as deadline approached but was sure I'd never had ppi, however ive had letters back identifying 12 credit card/ loan accounts from the earl...

hi, iva completed in february with full and final, completion cert issued, what do i do now re my credit file? some entries show balances still, some show satisfied, iva shows satisfied on court information section

hi, i was in same situation last year, you wont be able to receive a morgage rejuction letter because you wont find a co that will process your application so catch 22! as soon as you tell them your in an iva they wont process your application further! i contacted my existing lender and they sent me...

completion certificate finally received, never want to see another credit card again! this forum has been a great help over the years and my thanks to everyone who replied to my questions on the forum

hi victor, i offered the full and final at53 months funded by a relative who i will be paying back at the same rate, my morgage equity was taken out as unable to remorgage so that probably helped, i believe you can offer a full and final at any time and if its realistic enough theres a good chance i...

just had chairmans repurt through, max recovery with 88.5% voted in favour, nat west with 11.5% of debt voted against

no your not dreaming! original amount i had to pay back including remorgage to release equity was £62,000 but couldnt remorgage so equity taken out and extra years payments would have been another £6,000 making £36,000 to pay back, id repaid £21,500 to date £14,500 outstanding with extra year and of...

the original debt was £128,000 i will have repaid £33,000 including the £12,000 full and final offer, house equity was removed as unable to remorgage

full and final settlement accepted!

at thevariation meeting today, my full and final offer of £12,000 plus 3 payments totalling £1350 was accepted, what is the procedure now ? i assume ill receive a copy of meeting minutes and information on how to make payment?

just had call from my case officer after sending email, shes been on holiday and apparently no one deals with it if case officer on holiday! circular being prepared and sent out this week apparently!