My IVA finished as of sept 2012 although the certificate states march 2013. As I had been in the IVA for 6 yrs my credit file is clear and I'm slowly starting to rebuild my credit rating. however I have recently attempted to reclaim ppi and whilst a few claims with Barclays have been successful ( th...

Also, if I had 5 loans with Barclays, 4 of which were paid in full and only the final 5th loan was included in the iva, then does any ppi refund for the first 4 loans legally come to me?

Hi, I realise this is a grey area but I'd appreciate some advice. My husband and I were discharged from our Iva's a year ago. We have received our certificates and as we paid in to it for 6 years, we have been removed from the register. Ppi reclaim was not included in the terms of our Iva's. So we h...

We completed our IVA's in Sept 2012 and have this week received our certificates! Today we have just received a letter from one of the loan companies that was included in our IVA, stating they know they have misold PPI and if we return the forms we will get a refund within 28 working days. My questi...

We actually had our IVAs extended so made payments for a full 6 yrs to start off with, the IVAs itself has dropped off our credit files already but they wont remove the loans etc that were covered under the IVA without the certificate.

Thanks for your reply

Hi, just after some advice please. We completed our IVA's back in September but are still waiting on the completion certificates. We phone them regularly and just keep getting told that they are doing the VAT returns and to phone back next month. Is it normal to wait this long? We are desperate to g...

Hi All, Thanks for the replies! Our IVA's are with Money Debt and Credit, anyone else dealt with them? Yes in October we will be a massive £600 better off! There are some defaults on our credit files from 2006/2007 which is after we entered the IVa so once our certificate comes through we will conta...

The end is finally in sight! My husband and myself have been in an IVA for 6 yrs and we have one payment left in a few weeks and we will be free yay! It has been unbelievably hard to say the least, we have had 2 kids during this time and I was made redundant last year but we have struggled through a...

We are 5 1/2 yrs into our IVA and have 6 payments left, the end is in sight at last! My question is what happens after the last payment? Is our credit file wiped clean? Or is it another year before its clean? Do we get a certificate of completetion or something? Also we have NO intention of building...

Hi, I posted a few weeks back about the fact im being made redundant in June/July and ill also be 26+ weeks pregnant by then. I know my payout is going to be made up of 9 weeks notice pay and 7 weeks redundancy pay, a mere £3400 less tax on my notice pay. From what I've read on here, as its less tha...

Me and my husband are both in IVAs until Sept 2012. I am being made redundant, and am only getting statutory redundancy. Im basically getting 9 weeks notice and 7 weeks redundancy pay, im part time so its not much at all. I know I cant claim job seekers/maternity until my notice period has ended, no...

Im thinking of trying to reclaim PPI on some Barclays loans I had prior to starting the IVA. Im 4 yrs into IVA so that gives me the 2 yrs prior to see if there is any chance of reclaiming. I always took the PPI, obviously Im not 100% at this stage if I was mis-sold or not, but its worth a try. I've ...

Hi All, Just looking for some advice really. My husband and I both have IVA's and are entering our 4th year next month. When the IVA was first set up, we agreed to release £3900 (myself) and £1000 (husband) in equity. 6 months into the IVA we asked for a variation as we had a baby and my hours/salar...

My name is unusual therefore anyone googling my name can see that am in an IVA along with my husband, both our names appear and show the area we live in, our name is so unusual there would be no mistaking us. We've kept this from friends and some family for the last 3 1/2 years, i dont like the idea...

Thanks for your reply, no neither myself or my husband have been informed, our standing order each month still even states Ian Holland Supervisor. Im just a little concerned about it being within the first 5 results on google when my name is typed in.