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My I.V.A. finished and I got a Completion Certificate in October 2016.

 

I have just received a letter from H.B.O.S. saying there is still a large balance on the account.

 

Then shortly after I received a letter from LC Asset saying they had purchased the debt from H.B.O.S.

 

How is there any balance, as I thought on completion of an I.V.A. all remaining debt was written off?

Edited by dx100uk
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Was it included in the IVA ?

 

If so refer the letter to your IP.

 

Andy

 

 

Thread moved to Formal Solutions: Bankruptcy, Administration Orders, Debt Relief Orders and IVAs Forum.


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Your title says sold on, but you state the letter is from HBOS who were the original creditor?


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HBOS were the original creditor .....assigned to LC Asset...who by the way are listed as a Dissolved Company

 

https://beta.companieshouse.gov.uk/company/08324836


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Oh yea sorry its extremely sunny here..very rare!!

 

So LC Asset neesd holiday money then and sent a scmming letter to if they can find a few mugs


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I had one letter from H.B.O.S. saying the debt had been sold on, and one letter from LC Asset saying the debt had been sold to them.

 

Just received two more letters today for a Lloyds card account.

 

Same thing one from Lloyds one from LC Asset.

 

Sent everything to my I.P. don't know if he can do anything as my I.V.A. was completed nearly two years ago.

Edited by dx100uk
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Can we have the fca reg number from the bottom of their letter please


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On the LC Asset letter there is no FCA number, just a Registered Office address in Luxemburg.

In this letter they say they have appointed Link Financial Outsourcing Limited to manage the account on our behalf.

The Bank of Scotland number is 122626

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Aha thought it might have been our friends Plink!!

 

Pers id ignore them

 

Unless you have moved since the iva completion?


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Does my I.P. still represent me, I thought once you had received your I.V.A. Completion Certificate that they ceased to have any dealings with you.

It was completed almost 2 years ago.

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this is what was puzzling me earlier.

lots of people even with a settled certificated iva still have had to give the ppi refund to their ipsome here +5yrs later as it was an asset from that time that was not realised ..


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I have a letter from my I.P. which says, I write to confirm that following issue of the Completion Certificate in relation to you I.V.A. on 26th October 2016, I have no interest in any P.P.I. complaint or subsequent awards that you may have.

As such, any funds may be paid directly to you.

 

In the supervisors report

Whist I have not been made aware of any intended or ongoing reclaims regarding the mis-sell of P.P.I. Policies, should the client make any such reclaims successfully and subsequently receive redress prior to the issue of the final report, I intend to consider these funds as excluded from the arrangement and be retained by the clients.

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I know but i was just making an observation from my years here


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Does my I.P. still represent me, I thought once you had received your I.V.A. Completion Certificate that they ceased to have any dealings with you.

It was completed almost 2 years ago.

 

No...but your entitled to check with them if a debt was included or not......just because your IVA was completed ...they didn't burn your file.:madgrin:


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can we see these lc asset letters please

scan them up to one multipage pdf

red upload


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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Followed instructions to upload docs in PDF, no success.

Is there anything in particular you wanted to know about them?

Doc2.pdf

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Uploads unapproved...not fully redacted....name and amounts still showing.

 

 

Andy


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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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