GT delaying completion. Say they will take all the severance pay I have been offered

[Samantha.jj]

Thank you, I would really appreciate that as I have spoken to them again today and this time they said they would let me keep 6 months pay and take the rest. He said he would cascade to a manager but was sure I could not keep the money despite having in writing from them that all money is paid and they intend to close the IVA. How do I contact you offline as the messaging on here is disabled? Thank you.

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by MelanieGiles

I hope that Karol sees this post tomorrow and tries to contact you to discuss this specifically. If you would like me to bring it to the attention of the Operations Manager at GT, who I know very well, then please contact me off-line.

[MelanieGiles]

Not sure why that it - I am afraid I am continually having problems with people trying to contact me via the forum. If you send an enquiry to my contact page it will come straight through to me.

[admin]

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[Grant Thornton]

Samantha.jj - Would you be able to email me at ivacustomerservices@uk.gt.com with "IVA Forum" in the subject line in order that I can identify your case and review the specifics?
I look forward to hearing from you,

Kind Regards
Karol

[Samantha.jj]

Melanie, I wonder if this is right. I emailed carol and have today received a response saying that despite the last payment having been made that the IVA is open so any windfall would have to be paid to them. It said that in this case they would use the redundancy policy so I could keep 6 months of my annual income as of what it was at my last review. This was last August but in the May I became part time. I called and spoke to a rather rude women who said that it is not GT's fault that my case has not been closed!! (Who's else could it possibly be), and that I could keep 6 months of my wage at part time wage. Basically I have a 1 and 2 year old and the nursery fees are extortionate so my wage just covers them, I will be offered a pay out based on 9 years full time salary, this money I need as I will not get a job working around my daughters. She said I will have to apply for a variation if I want to keep more than 6 months part time pay out. Could you advise please as it seems bizarre to vary at the end of an IVA. Also my partner is not part of my IVA and over the last 2 years of the IVA he made the payments for me with GT's knowledge as the expenditure reviews showed I could not pay the money. They were more than happy to agree to this as long as the payments were made and now
she said she will need more details about his income to vary. I have never provided his details as he will not allow it. They seem to just want to get more money when they have already said and put in writing that my financial obligations have been met. Thanks.

[Samantha.jj]

Melanie, I wonder if this is right. I emailed carol and have today received a response saying that despite the last payment having been made that the IVA is open so any windfall would have to be paid to them. It said that in this case they would use the redundancy policy so I could keep 6 months of my annual income as of what it was at my last review. This was last August but in the May I became part time. I called and spoke to a rather rude women who said that it is not GT's fault that my case has not been closed!! (Who's else could it possibly be), and that I could keep 6 months of my wage at part time wage. Basically I have a 1 and 2 year old and the nursery fees are extortionate so my wage just covers them, I will be offered a pay out based on 9 years full time salary, this money I need as I will not get a job working around my daughters. She said I will have to apply for a variation if I want to keep more than 6 months part time pay out. Could you advise please as it seems bizarre to vary at the end of an IVA. Also my partner is not part of my IVA and over the last 2 years of the IVA he made the payments for me with GT's knowledge as the expenditure reviews showed I could not pay the money. They were more than happy to agree to this as long as the payments were made and now
she said she will need more details about his income to vary. I have never provided his details as he will not allow it. They seem to just want to get more money when they have already said and put in writing that my financial obligations have been met. Thanks.

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by MelanieGiles

Not sure why that it - I am afraid I am continually having problems with people trying to contact me via the forum. If you send an enquiry to my contact page it will come straight through to me.

[MelanieGiles]

Hi Samantha

It is probably not right for me to comment as to whether I think GT are right or wrong about the decision which has been made in your case. The issue of cases not getting closed once a debtor has fully complied with their obligations is very much in focus at the moment, and regulatory guidance is due from the joint IP regulators on this and other points hopefully in January.

In the meantime, it may well be worth you seeking independent legal advice on this issue - and if you cannot reach agreement with GT, they may have to call a creditors meeting to ascertain creditor's wishes - alternatively you could always apply to Court for directions.

[ggm1981]

My IVA started back on 4th August 2006 with Baines and Ernst, then it changes to Blair Endersby and finally moved to Grant Thornton.

From the original amount outlined in my original signed documentation to be paid back I have exceeded this, so in total I have paid more than what my actual debt was worth. I do understand that some of this money would be placed to pay for the work the company is doing on my behalf but my case seems to have been pushed from pillar to post.

My IVA should have been completed back in 2011 but I think my case being moved to GT has caused some extra time needed.

We are now in 2013 and according to GT my case has been with closures for the past six months and they can give me no further information, is this really normal behaviour and acceptable?

I wish I had a Karol to speak with as I am now 31 years old and would ideally like to start repairing my credit score in readiness for buying my own home, but more importantly I would have hoped that 60 months down the line, so 4th August 2011 I would have been complete.

Anyone able to help??

[MelanieGiles]

But you do have Karol to speak to - indeed Karol is the very person you should be speaking to as she manages the Customer Service team at GT. I recommend you contact her without delay so she can look into this for you.

[Grant Thornton]

ggm1981 - Please do contact me by email at ivacustomerservices@uk.gt.com with IVA Forum in the subject line and we will review your case,
I look forward to hearing from you,

Kind Regards
Karol

[ggm1981]

Thank You Melanie.

Hi Karol, I sent an email following my submission on here and had a speedy response from Natalie. I have replied to that with some further points so just waiting on the reply to that one.

Thanks

[theHUGE]

Firstly, i am new to this forum. But having read some of the threads, had to join.

I am at my 'wits end', and if i had much hair, would be pulling it out.

My situation is almost identical to 'ggm1981'. We (my wife and I) followed to the letter our IVA agreement. We made our last payment in the first week of Dec 2011. We were told (after several phone calls) that creditors had aggreed in June 2012 and it was now with 'closures', whom we could not speak with, but could email. During the many phone calls to get info/update was told by 'customer services' that normally it takes only a couple of months , max.

In Dec 2012, my wife was informed that we would shortly be recieving our certificate. Today i recieve an email, stating further 'periodic' reviews of our case will continue, and they will be in touch sometime in the future.

I should perhaps mention, that before we went onto the IVA, we were for over a year on a debt management with B.E.

We were so elated to finish our IVA, but now it seems there is no end in sight. GT makes us feel like we are just meat to be put through the grinder. The downward spiral, and emotions that we had before we were on the IVA, have started again. There is no light at the end of the tunnel.

If you could give any suggestions/guidance on how we can move forward, i would welcome it gladly.

Thankyou.

Jasen

[GilliB]

Hi theHUGE. Welcome to the forum. It sounds like a nightmare you can't wake up from. Karol is the expert on here for GT, and she seems to be working her tush off to help other posters. Send her an email, and I'm sure she'll help as much as she can. x

[Foggy]

Welcome from me, too, theHUGE

We are all, at the moment, victims of monumental bad timing! Most companies had to deal with VAT issues which really put the spanner in the works. Just as that was being resolved PPI reared it's ugly head and has, to be honest, created a bit of a fiasco !

ON top of this GT's problems were compounded by the take over of B.E's case load, which turned out to be in a bit of a mess, taking GT, I think, by surprise. However, they were just getting to grips with this when they, some might say unwisely, took on another firms book, which hasn't helped their recovery one bit!

Frankly, they were never the fastest horse in the race, but they weren't as bad as we perceive these days either!

They were recovering before, and, as long as nothing else hits the proverbial fan, they will do so again. I am afraid it is a matter of waiting.

[MelanieGiles]

This does seem to be taking an enormate amount of time to resolve for you theHUGE, and I do think it is time now for your IP to be specific about the issues which are delaying the closure of your case. I am sure that Karol would be able to assist if you contacted her.