Credit fix...finality

[sprowstonboy]

Received the much sought completion certificate yesterday....hooray!

Then I started to read the final account.......oh dear oh dear. £300 for the mass variation meeting...which I can prove I opted out of. Over £15k in supervisors fees, they were capped at the creditors meeting to £12.5k, loads of other stuff to in fees. So I paid £71k back and almost £19k in fees. Of the £11k I paid in the last year 7k is fees.

I smell something fishy going on here....worth making a fuss or just sitting quietly and being grateful it's over?

[kallis3]

Personally I'd just be glad it was all over - draw a line and get on with a debt free life.

[plasticdaft]

If you have proof of capped fees etc then make an official complaint. It will do you no harm as you have your completion certificate. Sometimes think iva firms feel they can do what they want to an extent.

Good luck.

Oh and well done.

Paul

[Dawndc28]

Well done on receiving your completion cert I can't wait for that feeling - I must admit that would stick in my throat though and I would be tempted to make a fuss. Do creditors get to see final report also ?? I assume they must and also they would surely question this - my fees are also capped and it is written in modifications made by creditors at time of chairmans report however my iva has been passed to another company since then though I guess this should not make a difference

[recovering]

I Spotted that £300 variation fee on my annual report and questioned it, my case worker said it would be refunded,
Surely the creditors should be questioning this too? I would be wanting to query but I can see once that cert is issued I could lose the will to fight!

[grimswold]

I'd just leave the whole thing alone and be happy I was free.

[dw1983]

As long as you were not made to pay more than you comfortably afford personally I would leave it I have recently received my completion certificate and it's a great feeling not to mention the extra money each month

[Shining]

Congratulations on receiving completion certificate.

In respect of the fees, I'd be tempted to query them personally but it's up to you.

Enjoy your debt free future.

[Mark.s]

Just wait until you start seeing the adverts on how you can claim these fraudulent fees back#128512;

[kallis3]

I am sure something will take the place of PPI in 2018!

[Lisa Thomas]

I would make a fuss. This is not the first time I have heard of an IP drawing more than was approved.

It sounds quite simple too - point out their errors and take further if necessary.

If you don't complain it could happen again to other people.