Foggy wrote:They should be understanding -- as should the lenders dealing with the claim, especially if there is any hint of DV involved.
Hi Foggy, thanks for replying. No DV involved but a case of both moved on, no need or desire to be back in contact. It's through the break up that I had to go into the IVA and it's coming up to the end of 6 long years. I am looking to the future not wanting to rake up the past. Like I said we have nothing to do with each other and I would be more than annoyed if made to try and make any form of contact because of PPI.
They were understanding saying just to write to those creditors explaining the circumstances and just try to pursue my half of the PPI.
They are happy for me to pursue rather than use their chosen PPI claim firm however I’ve not had a reply to my question which followed from being told that if I claim myself then they will keep my IVA account open to allow any payments to be taken. As opposed the if I use their firm it will be closed? But they say my completion can still take place even whilst waiting for this to happen. Am I silly to do the legwork which I know isn’t much these days myself if they keep the account open as a consequence?
What does that actually mean practically speaking? Once I’ve completed, I can cancel my standing order right? But yet my account is still open? Can I clear my credit file or will it still show on there even if I send a certificate but account still open? I’m confused!
Also not sure if anyone can answer this one with regards the my credit file. One of the loans that went into my iva was a joint loan but since I was split from the joint applicant, they were happy to pursue me for my half. This has been a 6 year Iva and I know the Iva drops off my file 6 years after starting so pretty soon if not immediately after I complete and send in certificate. The question is can I then be disassociated from my ex for this joint loan? I want no links on my file and surely I’ve sorted my part of the bargain out even if he hasn’t as I’ve no idea if they even pursued him for any payments at all?
Thank you again for your help. This forum is by far the best for straightforward answers.
Personally I would have let them do their own legwork --- they will be getting their cut anyway. I used to be of the mind that I would prefer the claims company cut to go to the creditors, but have become somewhat jaded of late.
On the joint loan, you are (or will be) absolved from your part in it and it will become the sole responsibility of the other party. As such it should be removed from your credit file. The CRAs should be willing to disassociate you.
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