I had a Iva with my husband that failed in 2013 due to him becoming very ill and unable to work. Most debts were credit cards in his name to do with his business but a couple were in mine. I still pay a monthly amount to clear one of these on an agreement this was in joint names. He passed away in January 2016 and his remaining debt was written off. I have heard nothing further since then but last week received a PPI refund from a company acting on behalf of the original IVA company. Fees and interest have been deducted. Am I entitled to this money?