Unless the full original debt, plus fees and possible statutory interest were paid in your IVA, thereby settling everything owed any PI will still be payable to your creditors as an asset of the IVA, even thugh it has completed. There is a chance that your IP will declare no interest ( usually down to the economics of digging everything out again), but he / she will need to be consulted. Some lenders will refuse to pay out without such a declaration and others will offset the refund against the old debt, leaving you to foot the claims companies fees from your own pocket.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
If it was for your full amount you can claim PPI and it will be yours.
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
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
Taking into account what you have said, you can make PPI claims now the IVA has finished, BUT; you will not see a penny of it as it is still owed to the IVA and is legally an asset of that IVA and payable to your IP. If you go ahead, do not use a 3rd party company to claim as they will snatch their 40% (or whatever) and you will be left owing them that amount as your IP will take the lot including these fees.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
