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Keithc111

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Post by Keithc111 » Thu Mar 03, 2016 12:47 pm
My IVA is completed, i got my completion paperwork in the new year.
I am now being chased by a PPI company that say they work on behalf of Aperture.
Do i need to return the paperwork to have my PPI checked for a second time. And if i do have it checked, what happens if there is anything to claim, do i get it or does it go to Aperture.
 
 

Lisa Thomas

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Post by Lisa Thomas » Thu Mar 03, 2016 12:51 pm
no you have finished your IVA and are under no obligation to sign anything (unless you signed something as part of the closure paperwork agreeing to this, which would be unusual)

If the PPI was assigned they shouldn't need your authority anyway.
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
 
 

Keithc111

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Post by Keithc111 » Thu Mar 03, 2016 1:04 pm
so if there was anything to come back from PPI, am i entitled to this for myself
 
 

kallis3

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Post by kallis3 » Thu Mar 03, 2016 1:09 pm
Check your completion letter - some of them state that if PPI is due afterwards then it should go across to the creditors.
Sharing from experiences of dealing with debt
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http://kallis3.blogs.iva.co.uk
 
 

Keithc111

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Post by Keithc111 » Thu Mar 03, 2016 1:14 pm
I have already had PPI checked once and there was nothing anyway.
 
 

Lisa Thomas

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Post by Lisa Thomas » Thu Mar 03, 2016 2:42 pm
It depends - case law at the moment is going to appeal on this point (wright v Greene) due to be heard this summer. Depending on the outcome may depend on whether you can keep the money.

If they didn't get an assignment/agreement from you before issuing your CC they probably don't have the authority to apply for any PPI.
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
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