www.iva.co.uk

I was origionally with mdc, had a completion ceftificicate 13/09/2012. Then in July 2013 it was passed to Grant Thornton where different clauses were put in to cover ppi. But apparently even though I received a completion certificate it's not worth the paper it's printed on. GT aren't very helpful, quite rude!

If you are referring to papers sent out by Slater Hayward and you have a CC it is unlikely that you have to sign.

Even if you acknowledge that you should sign state at the end that you do not give permission to be contacted by any other firms in the future.

It is not clear how they can enforce this.

Hi Emma,

The completion letter confirms that you have discharged your IVA so it is worth something as it means you are off the Insolvency Register and after six years it will disappear from your credit record.

A lot of companies are now pursuing PPI claims but you are now debt free.

Hi Emma. You don't need to liaise with GT. You have completed your IVA - that's what the CC means. However the PPI is something that will have survived your IVA and it will be this that GT are dealing with.

Thanks for the replys. So even though the iva was completed in June 2012, a cc issued in September 2012, in July 2013 a new clause can be put in to cover ppi? This is to do with ppi which I had in 2000 wasn't part of the iva but as it was prior then they have an interest. I'd rather give it to charity than give it to a company that done nothing in my iva and are so rude that I won't speak to them.

As stated - you probably don't have to sign. If PPI is found though the chances are that it will go to your creditors and not to you.

I am afraid that the PPI is currently regarded as an asset which should be released for the benefit of creditors or former creditors.

There is a court ruling, currently under appeal, which could change that in a number of cases, which basically says that PPI not dealt with prior to the issue of the CC is no longer of interest to IP or creditors.

GT are rushing to get former clients tied into an agreement to give them the rights to the PPI before the court ruling, in case it isn't in their favour.

Personally I would mention long run and short plank to them in the same sentence. Not sure, but I would think there is very little they could do about it and, they are themselves at fault ( if there is any) by not dealing with it at the time.

I think it's terrible that after a CC is issued they are still free to hassle you in effect. To me a CC should mean it's all done and dusted. Unless you've agreed previously for the CC to be issued but the PPI to be investigated.

long run short plank in the same sentence, brilliant. )

Just put the paperwork in the same box in the attic Emma with a printout of his discussion so if you ever refer back you can remind yourself why you didn't sign and return the paperwork, I wouldn't even bother sending them anything back.

I never had to agree to it, but it was on hubby's letter that they would chase it. Nothing so far though and I didn't think there would be.

Hi

If you have your completion certificate and are off the insolvency register then you do not have to reply/comply if you do not want to

Regards

Very useful info for some of us waiting for CC.
Yet another reason to keep the paperwork

Yes definetely! I received copies of the new clauses last week as no ppi was in my origional. Conveiniant that they had written in there "if there is no contact within 14 days we assume you agree to these term" I never origionally received this document, as if I'd agree to new terms considering my iva cc was issued 6 months previous. Terrible customer service.

I agree totally with you in respect of the customer service. All too often we're reading of threats to fail an IVA if you don't agree etc.,

Hi

If you are off the insolvency register and have your completion certificate then you do not have to comply

Regards