IVA completed but being chased for info

Hollyberry81 Forumite Posts: 3 Newbie
Good morning! This is my first post, so please bear with me.

Back in April 2019 I was extremely lucky to be able to pay my IVA off in full. This was due to my partner remortgaging and being able to give me a lump sum of cash. I now pay him back each month instead. I received my IVA certificate of completion and PayPlan confirmed everything is done and I no longer need to pay into the IVA.

However, today I've received a letter from a PayPlan linked company telling me that I need to supply my tax information and personal details, so they can check my tax codes with HMRC. I do not want to do this as I am sure my tax code is fine. I was recently issued a new one from my employer, via HMRC and I have never been self employed or anything like that. So my salary has been stable and I've no reason to believe otherwise.

There's lots of info in the letter about why and how my creditors are entitled to any tax refunds I may get. But I don't have any creditors as my IVA is completed. My understanding is that any money I receive now would legally me mine anyway? Or am I wrong?

Could anyone please advise whether I have to supply my details?

Thanks so much.


  • fatbelly
    fatbelly Forumite Posts: 19,184
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    Sounds like a scam to me, though I'm not sure what they seek to gain from this. Remember your name and address were on a public register (still will be if completion was <3 months ago).

    Have you checked with Payplan?

    I am not aware of any Pyplan -linked companies. I thought they did everything in-house
  • Hollyberry81
    Hollyberry81 Forumite Posts: 3 Newbie
    I don't think it's a scam as they had my Payplan reference number and address, which has changed since my details were published on the register. But you're right, I think I should call Payplan.
    It's just causing me stress as I thought I was free of all the being chased for money.
  • sourcrates
    sourcrates Forumite, Ambassador Posts: 27,655
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    PPI refunds then yes, but unreclaimed tax ???

    Oh no, I think someone’s is yanking the chain here, don’t respond to them, contact payplan as advised.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected]. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • PrettyKittyKat
    PrettyKittyKat Forumite Posts: 1,270 Forumite
    It does sound fishy. When you say 'paid off in full' does this mean you paid 100p in the £? or that you offering a full and final settlement variation?
  • Hollyberry81
    Hollyberry81 Forumite Posts: 3 Newbie
    Was full and final settlement. They asked for £x and that's what we paid.
  • PrettyKittyKat
    PrettyKittyKat Forumite Posts: 1,270 Forumite
    Was full and final settlement. They asked for £x and that's what we paid.

    That is different to 'paying it off in full' as you have still had debt written off. Just wanted to clarify as obviously if it was paid off in full (100p in the £) then there would be no purpose in IPs pursuing further funds as no money had been written off.

    Did you contact payplan to ask about this letter?
  • Darren_Thomas
    Darren_Thomas Forumite Posts: 4
    First Post
    It does sound like a scam but I would inform Paypal and tell them what is happening. If it is from a paypal linked company they should not be getting in touch with you anymore as you have completed the IVA
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