(oops hadn't finished the message).
If there are potential additional costs involved because of two different agencies investigating PPI then I will have to take the matter further. I'm not paying for something that I didn't ask for and which smacks of shady practice.
If you dont believe it was missold do nothing and only do something if Creditfix ask for a variation - and then it's either fight or just go with the flow.
The critical thing is that it does not impact on your completion date.
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.
The IP is duty bound to realise all assets or potential assets. In the early days of PPI some IP's accepted signed declarations simply stating that the debtor would not seek to make any claim after the IVA finished --- I think that practice was soon kicked into touch.
It is a reasonable request to ask you to allow them to investigate and failure to agree to a reasonable request is deemed a breach.
I thought there was none due to me !!!
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
For 3 years I have signed to state that there is nothing to investigate as nothing was missold.
At this point it seems like it is a punt.
I have no intention of attempting to claim anything post the IVA - it is something that I intend to put behind me.
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.
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by lifenoteasy
For 3 years I have signed to state that there is nothing to investigate as nothing was missold.
At this point it seems like it is a punt.
I have no intention of attempting to claim anything post the IVA - it is something that I intend to put behind me.
Completely agree -- this was also my intention before PPI came to the IPs attentions. At the end of the IVA my plan was (is)to draw a line under the whole sorry affair. And, to be honest, having been "let off" over £50k (including interest I never had to pay) the £8k they discovered in PPI and paid into the IVA still leaves me "better off" to the tune of £42k.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
If I really believed that it was something that could be reclaimed I would do it - the problem is 1) I don't and 2) I will not imply that I believe that is the case.
I don't give a toss about the money and who it goes to - I've accepted that creditors are due what they are due.
CF care about it but that's because they have seen it as a business opportunity - look at the common themes from the 2 companies that they have recently taken over and the approach even when a claims company is already involved.
I accept everything that a number of people have posted today about how their companies follow the rules, codes of conduct etc. - there are just too many people who are posting their experience which is exactly the opposite.
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.
If they really insist they can waste their time and money - all of it would be assigned to them.
It was great saying you could keep some but then you have the HMRC issues let alone the possible dealys with CF themselves.
The single biggest problem with them was the lack of information to allow an informed decision.
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.
