"Around 40% of the complaints to the Gateway relate to Individual Voluntary
Arrangements (IVAs) and, in particular, delays in arrangements being concluded due
to enquiries into possible Payment Protection Insurance recoveries. Given these concerns, we agreed with the authorising bodies that where the delay in closing the IVA exceeds 6 months from the debtor’s final payment, the RPBs will consider whether disciplinary action is appropriate in relation to these complaints. We will keep the situation under review through our monitoring activities."
It does not mean that a complaint will be considered but 1) does allow for the possibility of a complaint and 2) it recognises that PPI should not necessarily be a reason to stop a completion certificate being issued. - See more at: http://www.iva.co.uk/forum/topic.asp?wh ... 588#585202
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
I have to say that I have managed the PPI company to deal with the outstanding PPIs by the way of talking to their complaint department- all PPI searches have been done and my PPI case has been closed within a matter of a month!
I also e-mailed a formal complaint to my IVA company (following the complaints procedure from their website) stating that the extension is unreasonable and not necessary and provided them with a few bullet points why I thought that way.
I have heard their reply after a couple of weeks- although the extension was put in place they are now closing my IVA and the completion certificate should be with me within a week!
