I'm confused. Full payment for IVA 2 years ago but apparently it is still open to claim PPI

[bommy]

i made a full anfinal payment on my iva 2 years ago and was accepted, now the company have sold their iva side of the business to anothe company and they are now saying my iva is still open becuase they wanting me to claim ppi any comments im confused

[Foggy]

Did you get a completion certificate off of your old firm (MDC??) and have you been removed from the insolvency register?

[Little miss trouble]

Good advice foggy. That would be my first question x

[bommy]

yes i did, they say that is now invalid as there is a clause to say ppi claims basicalaly are theirs. and they will claim for me and then close the iva again. seems very odd they took the full and final payment now want more?

[Foggy]

OK -- there is conflicting info here, given by the firm (GT??)

The IVA no longer exists if it has been formally completed. What does exist is a continuing trust, under which that can deal with the PPI monies.

The IVA cannot be re-opened and then closed again and whoever is telling you that at the firm is in need of some retraining!

[lionatus]

I have the same problem. Meeting held on April 2012; final paperwork sent through and signed from MDC in Sep2012 along with a Notice Of Completion and a letter stating my obligation is ended.

GT gets in touch saying MDC transferred my file; I query and find out its still ive. CHecks IS and credit refs and it is live. Waits it out as reporting meant to end SEP2013 still live?????

Apparently MDC only sent the completion paperwork to me and not creditors and IS but the meeting for that was in the April which the letter states all parties agreed to. GT also states problem with VAT refund, April letter states VAT refund was already received????

[Helpless121]

This is just outrageous! It beggars belief! Just mind boggling and stinks of breading the system to me!

[MerlinL14]

I would get legal assistance and advice from a contract lawyer. GT have not got the powers to reopen a contract that has been closed, in effect by a court. Keep any email or letters you get off GT, if they contact you by phone tell them you WANT paper confirmation of the call and it's content, you may also wish to record the conversation for yourself (tell them if you are recording). Give all this information to a lawyer.

[lionatus]

Am trying this from user Phil.lw who replied on another thread to me. If that doesnt work Im off to CAB.

I had this problem. Finished iva aug 2012. Recieved cc and and final report oct 2012. Check credit report year later and its was still on there as was as still on the iva register. Got in touch with MDC Who told me GT were dealing with it. phoned Gt who explained about the PPI claim from a 3rd party company. Was waiting ages to get the paperwork. In the end I just got intouch with the insolvency service who gave me an email address for Iva closures and emailed my papetwork to them . My iva has now dropped off the register. It as also dropped off my credit score. Use this email address EAIPS.NIS@insolvency.gsi.gov.uk send a copy of the letter from mdc. Final report. Cc and statement of receipt and payments. Let me know how you get on. Good luck.

[lionatus]

I went directly to the IR and stated that my file showing as active is an error as I had paperwork proving IVA had ended. They asked for images of paperwork so out came camera phone. Just been told by IR via email my case has been updated and will take 24hrs to process.... Happy days.Hi, You case has been updated but it will take 24hours to update. Kind Regards