Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
also we were going to claim PPI back on all out major debt mainly the bank he told us if we were in an IVA all money sucessfully claimed would go straight into the IVA is this correct (worth doing)?
That's more or less the gist of it - if the creditor who charged PPI has a debt included in the IVA then the reclaimed amount may be used to offset against the same debt. If the debt has already been paid off, then the reclaimed amount will almost certainly need to be introduced into the IVA and distributed to all of your unsecured creditors.
While you're on the phone to your IVA company it's worth asking them about it.