i have a completion certificate from Jan 2010

@ M Giles

I can send the IP to you but not on the forum please

Hi Mel thanks She has stopped replying to my emails and my requests for answers - to my questions regarding the legal aspect of the term post IVA and ppi of which she has taken the cheques from me and I have asked for a copy of my IVA she said it would cost me money I asked how much - she has not re...

IVA Protocol in 2008,

what are these standards that were set any different than 2004 when i had my IVA

@ M giles thank you for all your support - it is clear and informative I am very interested in the comment placed by you ......... OK - there was a time prior to the advent of the IVA Protocol in 2008, that we used our own bespoke terms and conditions in my practice as well. So if this is the case i...

@M Giles and Nicjohn I cannot say nickjohn - indeed it would be dangerous for me to advise you on a public forum without seeing the whole proposal. I really do recommend that you direct these questions to your own IP, who does have detailed knowledge of your case. Remind me of the firm you are with ...

@ nickjon

when did you take out the iva

@M Giles You said ..... The debtor can retain the money from PPI at any stage of their IVA if the asset was not expressly included I cannot find this within my IVA this is the problem that is not being addressed from my IP and I cannot disclose this as i am in contact with the regulator of this firm...

@M Giles


thank you for your reply


So does this automatically contain the PPI within a all asset IVA or would this be detailed as I cannot see the PPI contained within my IVA documents?


And more importantly who would know

@ M Giles If the IVA was not an "all asset" case, then unless the PPI was expressly included in the IVA the money would be the debtor's to retain. The guidance recently issued to IPs by the regulatory bodies, makes it clear that there is no duty on an IP to reopen cases which have been closed specif...

ulie's IVA has not completed, because it appears that there are unrealised assets which are yet to be dealt with, and monies still to be distributed to creditors.


how can i tell if my iva in 2004 had ppi included or excluded?

is ppi a undisclosed asset ? i had a all asset iva