Hi i had a failed IVA back around 2010 . i have been trying to pursue a PPI claim against HSBC for over 8 years and currently have a complaint in place with the financial ombudsman service against HSBC .
HSBC are asking for the following information -
A copy of the IVA proposal, confirming whether it was written on standard terms and the year the terms were written i.e. R3 or 2008, 2010, 2013 or 2014 Protocol terms. This should also include details of the rules governing the IVA and any modifications made.
A copy of the Certificate of Completion for the IVA (If appropriate) .
Confirmation that I am not bankrupt .
A letter from the Insolvency Practitioner confirming if they do or don't still have an interest in any PPI refunds that may be paid.(Jacqueline Westerman )
A signed confirmation that the IVA has failed (if the IVA has failed)
I have tried to find many of these documents but most of my old paperwork is in bits .
hopefully some one can help
kind regards
Frederick
HSBC normally set off any PPI against the old debts ( against the rules -- maybe they have been put right). You can only make these requests part of your complaint on the grounds that they are unreasonable as the former IP ( who appears to be no longer practicing) or her firm would not keep records for 10 years. Unfortunately, they are likely to counter with the assertion that you should still have this paperwork at home. Hopefully the ombudsman will side with you and declare their requirements unreasonable, or at least too onerous, too.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
