Hi,
Feels odd being back but I could do with some help with a query re ppi claims!!
I had my IVA with BE (GT) and completed it 4 years ago, 2012. The completion certificate was issued and the wording states all debts have been cleared, obligations met and the iva is closed (no mention of being able to reopen it or ppi claims etc). However, I received the GT ppi variation letter in 2013 but ignored it (basically, as my IVA had completed i did not sign it). I heard no more and moved on until receiving a call from them last year asking that i help with a ppi claim, I explained that I didn't sign the ppi variation letter, that my IVA was closed and I didn't want this darm part of my life dragged up, they apologised and said i would not be contacted again (although they have no record of the call). To my surprise, i just received a letter from a law firm acting for GT, requesting i sign various documents etc. I rang GT (or Aperture) and told them that i wouldn't be signing but they, politely, suggested on the phone that if i didn't sign, I would be personally liable to the creditors for any possible PPI claim (and this was dealt with in the t&cs of my IVA - which apparently is different to the terms the proposal. I don't have this document and Aperture admitted on the phone they can't find a copy either. So to my question, I don't want to help them, as it seems pointless for creditors to give me money to then just be given back to them (although i see more fees for IPs too). My concerns are over opening a can of worms (and a very dark part of my life - i lost my house, ended up losing my family over it too), I'm scared it could be reflected as a new entry on my credit file etc (i've worked so hard to repair it and am now creditworthy and careful with money, re-married with two tiny children that depend on me). So, I guess i'm asking, can they force me to help them and is it right to threaten me with being personally liable? Thank you.