I have sent back forms to Claim Brokers via Grant thornton regarding PPI claims. How will Claim brokers proceed when they do not know if I had any PPI's let alone mis-sold them?
Surely clients will deny any knowledge of having been mis-sold them and then just claim for them when their IVA has been complete. Please note , this is not my case as to the best of my memory I did not have any PPI's attached to loans and credit cards which is my point above.
If you claim for missold PPI when you clearly know you were not then it can be classed as fraud.
If you have never had PPI or were not missold it then don't claim.
I won't be as I know I never had PPI. I won't be sending any forms back to my IP if they turn up.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
In February I ignored the first letter from Grant Thornton but last week I received a reminder to say I had to sign and return the forms and send to Claims Brokers in sae provided - which I duly did.
Over the weekend I have had three messages on my answer phone from Grant Thornton checking I have sent the consent forms to CB.
One interesting point no one from Grant Thornton has signed the letter
Something I forgot to mention - Claim Brokers on behalf of Grant Thornton are making the claim not me because I far as I can remember I was not sold any PPI's so I do not know what they are going to claim - sounds fishy to me.
After 6 years I only have two payments left and all I want to do is pay them and finish the IVA and ride off into the sunset with this weight off my back.
If I'd never had it then I wouldn't be signing the forms and would contact them and tell them why.
Obviously it is down to you but if you had no PPI or were not missold then they cannot ask you to claim.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Personally speaking, I think the IP companies should send out a disclaimer for people to sign so that if you refuse to claim via their company (for whatever reason), you cannot try and claim PPI for yourself again.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I've not been missold PPI and I know that so wouldn't claim. I agree a disclaimer that if you don't claim via the IVA then you can't claim once the IVA concludes should be introduced.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
IPs processing PPI claims are bound to get their clients to confirm that they will not make a claim for PPI once an IVA has concluded, if they have confirmed that no PPI mis-selling actually occured.
what I cannot understand Melanie is why I was not asked about PPI claims until now people having been claiming for a few years now.
Also it would seem logical to ask if I was mis-sold any PPI's rather than get another company to act on Grant Thornton's behalf and I assume investigate if I was sold any, unless of course i am not understanding the procedure for Claims. I do not know where Claims Brokers would get any information from to start a claim
It is good Mel - Goulda, the IP firms have only recently started to ask their clients to claim PPI, as have a number of firms.
Claims Brokers, as other companies, will have had your details via the IP company.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I have finished my iva they said I have to wait 6months for my certificate. These PPI people have been phoning non stop, I have told them I have finished but they said it doesn't matter until I receive my certificate. Then today I have received a letter from grant Thornton, saying unless I sign they will have trouble closing my case. My issue is, I have finished all my payments, if I had claimed my PPI years ago and payed off some of my debt, I would have paid back less. Why should they gain all the PPI now my iva is complete? I feel I have no option to sigh to get this iva finished and out of my life!
The bottom line, Lopey, is, I am afraid, the IVA is not complete until you have that certificate, and I doubt you will get that until PPI has been investigated.
This is a relatively new phenomenum to IP's and my feeling is that PPI investigations should not be applied retrospectively. However, they are!
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Same situation for me where GT have been chasing heavily for the return of their forms. 3 or 4 calls a day to mum and dads and my mobile. They've also discovered 3 additional debts which they have added onto my plan (this is 1 1/2 before plan is due to end) - ive no knowledge of these but they say im duty bound to have them added - thats really worrying! They say they are awaiting 'proof of debt but my name is definitely on these and i have to add them, although no extension to my term length.
A big point to note in one of GT's email responces was if i dont comply with sending back of the PPI authority forms it will result in delays of completion like so many GT clients are facing and i wouldnt want that to happen would i...
In a nutshell ive no choice but to sign really. I tried to explain since my debts were left to me by my ex wife she would of claimed already but they want to see that for themsevles..
