We've recently submitted PPI checks through our bank to claim back mis-sold PPI on our accounts. At the same time we also submitted PPI checks on parents accounts. Both claims where UPHELD by the bank, however does this old IVA come into play at any point in respect of parents accounts pre 2000-2003. The bank are aware there was an IVA and check by law but as far as any records of the IVA contract from before 2000, nobody seems to have the IVA contract due to how far back it was including the IP when we've checked.
Question 1: Can anyone re-open the original IVA contract if it can't be found and i presume closed on death???
Question 2: Does anyone hold or keep records of IVA contract pre 2000???
Question 3: Can the bank claim any monies against their debt not payed without knowing the T&C'S of the IVA contract they agreed to from before 2000 and what happened to monies held in the IVA when it closed in 2003. I assume if the bank goes it alone and tries to readdress their debts its STATUED BARRED as is nearly 15yrs back???
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