Thanks Foggy, Full and Final offer accepted and payments now complete doesn't sound too ambiguous though!

"in full and final settlement of the above referenced IVA" no more no less

Just a quick footnote " In accordance with the variation approved by the creditors on ** April 2012, the debtors agreed to make contributions as follows £******* To date I have received £ ******* from this source and can advise that payments are now complete."

It infuriates me every time this issue is raised, simple fact of the matter is that as long as you don't have a certificate of completion you are technically still bound by the terms of your IVA, you can't win. I now have my certificate after making an offer of full and final settlement to my credit...

Thanks David, I simply want the certificate of completion, the terms of my IVA were as follows "Assets" Items included, Property, Bank account, Windfall. "Third Party Assets" "No assets other than those owned by me are to be included in the IVA" How does this stand with them witholding the completio...

The terms of my IVA do not capture PPI, in addition I offered. albeit a reduced amount in full and final settlement in April 2012 which was accepted in May 2012 and paid.

I've been reading through pages and pages of information on the PPI issue, simply trying to get to the bottom of how IP's are getting away with not issuing certificates of completion for up to two years. Whilst reading through my own paperwork I discovered that I am or should I say was, in a Non-Pro...

Yes but the argument being used by the IP is that by not disclosing PPI we would have actively sought to deceive by not declaring an asset that should of been utilised for the benefit of the creditors. Unless we were already actively pursuing PPI claim back at the outset of the IVA or we commenced p...

I'll give you the benefit of my own experiences, firstly have someone legal look at the wording of your offer of "Full and Final" settlement, i have just come off the phone with Grant Thornton to be told that despite having made an offer, had it accepted and paid in May 2012, full and final only rel...

OK here are the minutes and resolutions of the variation meeting of my IVA on the 27th April 2012. "That the following resolutions were duly passed. That the debtors property be removed as an asset of the arrangement. That creditors accept the total sum of £ xxxxx.xx in full and final settlement of ...

Only advice I would give is to clarify 100% what full and final means, these forums seem to be unable to answer that question fully, so talk to you're IP and ask them to clarify in full in writing so nothing can come back and bite you on the butt

The problem is rather simple though, having complied with the terms of the IVA fully, adhered to all the conditions laid down, made final payment, we are all effectively being blackmailed, it's a strong word I know, but it is just that, they won't issue a certificate of completion unless you sign th...

You won't get much help here I'm afraid, been asking about the "PPI" issue for months and all I get is advice from those that gain most from seeing it through. I'm with GT and have been waiting since May 2012 for completion paperwork. I have in front of me GT's letter regarding PPI dated 18th Februa...

My point is simple, if my original IVA agreement had encompassed PPI then I would not have had to sign a new agreement to cover it. As my IVA was technically completed when I made the payment in full and final settlement back in May 2012 in accordance with the revised terms accepted by my creditors,...

Thanks Foggy, I think you pretty much sum up the situation, it isn't that I am particularly concerned who gets the PPI, I want my certificate, having been told 6 months ago that by agreeing to the PPI amendment I would then be able to get the certificate without delay, I feel I have been misled, dec...