www.iva.co.uk

Hi Guys, I was wondering if someone could help me with this....I completed my IVA about a year and half ago (by full & final settlement) and I think it will drop off my credit file in a year or so too. In January this year I persued 2 claims for mis-sold PPI insurance and so far on one I have been successful (although I have not received the money yet following an offer letter from the lender).

The loan I had the PPI on was before I took out the IVA. Basically I guess what I'm asking is can the lender still take the money even though my IVA was completed/settled 18 months ago?

Thanks [8D]

If you have completed your IVA and the company are willing to pay the money across to you then fine.

I don't think they can keep it now but hopefully one of experts can advise.

Thanks Jan, much appreciated. I'll see what they say!

You will now have been discharged from the debt, so in principle there should be no reason why the money cannot be repaid to you - but the creditor concerned may have rights to clawback any PPI refund so I guess it is just a case of wait and see. If you are working with a claims company do be careful that you end up with nothing but a big bill for their unpaid costs.