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    • DJones17
    • By DJones17 19th Mar 17, 9:58 AM
    • 3Posts
    • 0Thanks
    PPI & IVAs
    • #1
    • 19th Mar 17, 9:58 AM
    PPI & IVAs 19th Mar 17 at 9:58 AM
    Firstly I hope this is the correct forum to post in.

    I was previously in an IVA which was completed in 2012. I finally received my completion certificate in 2016.

    I have been advised by a creditor that I am due a refund. I have been asked to provide a copy of my closure certificate which I have done.

    The refund is for previous loads which were not included in my IVA. The creditor is stating that the refund could be returned to my IVA firm. Is this correct procedure ?

    I was made redundant due to suffering a nervous breakdown and have significant mental health issues. This money would be a great help due to my financial situation due to not being able to work at present.

    Basically my question to the forum is would it be correct for a creditor to refund my IVA despite the loan not being part of the IVA.

    I appreciate any advice as this is stressing me out at the moment.
Page 1
    • sourcrates
    • By sourcrates 19th Mar 17, 2:09 PM
    • 14,020 Posts
    • 13,278 Thanks
    • #2
    • 19th Mar 17, 2:09 PM
    • #2
    • 19th Mar 17, 2:09 PM

    The Green v Wright appeal may be relevant in your case.

    It all depends what kind of IVA you signed up to.

    The most up to date information i can find is here :

    Suggest you read it, and see if any of this is relevant to your particular circumstances.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to Any views are mine and not the official line of

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see :
    • DJones17
    • By DJones17 19th Mar 17, 3:10 PM
    • 3 Posts
    • 0 Thanks
    • #3
    • 19th Mar 17, 3:10 PM
    • #3
    • 19th Mar 17, 3:10 PM
    Unfortunately this doesn't clarify my position.

    As I stated the debt wasn't included in the original IVA so I don't know where I stand.
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