I obtained my completion certificate in 2015 and ended the IVA in 2017. I am due a pension lump sum but am fearful that a creditor will want payment, despite the rather meaningless completion certificate. I cannot find any reference to it in the deliberately chaotic contract. Surely, it is done with and they should back off.
I am confused? If your IVA finished in 2017, how did you get completion in 2015?
If you have completion (and the letter is not meaningless) then nobody can come after you for your pension.
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
Assuming that you have typed the dates back to front and the IVA started in 2015 and ended in 2017 ---- why did the IVA end early ? Is the completion certificate actually the Notice of completion? It should say something along the lines of :
Insolvency Act 1986
Notice that the Individual Voluntary Arrangements are fully implemented
In the matter of [debtor], [IP] of [firm], the Supervisor of the aforementioned voluntary arrangements give notice pursuant to Rule 5.34(2) of the Insolvency Rules 1986 that my duties are complete and that the arrangements have been fully implemented.
[Signature of IP]
Dated this [Date]
If this is so, then former creditors have no claim --- nor are they ever likely to be informed.
You use the phrase they "should back off" ---- is anything happening ?
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk