Thank you for your reply Foggy, I have spoken to M&S and the clause in question is Part five, Arrangement Assets para:28(1)After acquired assets."Supervisor may claim as an asset of the arrangement any property acquired between the start date and finish date of the VA which would have been capable o...

Further to my post September 2014 re request by M&S for copy of proposal with modifications, I have finally received these and sent all the paperwork on to M&S. I have today had a letter from them agreeing to pay £2500 but not to me, to the IP, as they say this is in line with the t&cs of the IVA wh...

hi I completed my iva in 2004 and have since had some success with ppi refunds with no problems. M&S Finance initially refused refund but when I asked them for their underwriter details as advised by Financial Ombudsman they said they will make an offer on receipt of the original proposals and modif...

yes, laurence Russell. thank you for your response, still not heard any more so hope thats the end of it. though does put me off applying for any further refunds. I had a loan with m&s who refused to refund citing my iva as a reason not to pay back the ppi, though they didnt offer to pay in for the ...

the ip was albert goodman of taunton. halifax sent them the cheques last december but after I phoned both halifax and albert goodman the ip sent the cheques back to halifax who re-issued them to me after both agreeing that there was no obligation to enable the ip to keep the funds. I didnt have any ...

thanks very much for replies, have not heard any more after letter and phone call so am hoping IP decided to leave me alone:)

my iva was fully and finally completed july 2004. in december 2012 my ppi claim from halifax bank resulted in refund 7k which was sent to my original insolvency practitioner. I spoke to them & they (& Halifax) agreed the funds were due to me as the iva had been completed years before and there was n...

thanks , I will go to the ombudsman,will be worth the wait if goes in my favour coz a few thousand pounds. my other claims from the banks have been successful.

hi, I have seen on this forum that after an iva is completed any ppi refunds can go to the debtor. My iva was completed july 2004, I have claimed against an m&s loan which was part of the iva but have received a hostile letter refusing refund stating that I do not have the right to retrospectively a...