I am having the exact same problem. Waiting for my completion cert which we can't have until this ppi thing is done. They ring me every 2 days asking the same questions and also asking about accounts we haven't got on our original creditors list, I kept this list thankfully as I can't remember account numbers from over 6/ 7 years ago. There is never anything on their system to say they have already been in touch or that we have answered their questions. It's the very same number that rings everytime, They even said it could take them 6 month to do their bit claiming for ppi that actually we have never had in first place but they won't accept this. So we are awaiting this company to chase imaginary PPI and in meantime we are still in limbo awaiting our completion cert. It's beyond a joke now, been over 6 years in total and possibly another year ahead of us due to this farce. Not good enough when people are trying to rebuild their lives.
I would guess that they are overwhelmed with cases to look at right now, but I can see how frustrated you must be to be asked the same things time over. This should not hold up your completion certificate though, providing you have co-operated with the process and provided the informaton required from your IP.
We had the same tj72 authority letters sent out that had already been signed and sent back when we were with Tenon, duplicated forms on old loans, they even had an old bank account down and they listed the debit card that went with the account as a separate claim, we also had accounts on there that i know for a fact we have never ever dealt with, they had 2 mortgages providers down and we have only ever had one
today had an email from gt stating our iva is with closure the creditors claims have all been agreed good so far
awaiting a final review to asses the interim dividends paid to date and calculate the final dividends then the creditors can have the final funds
have just phoned Gt to see approx how long this takes and was informed every case is different ok fair enough, but then went on to discuss the mvm, as the firm working on behalf of GT already have ALL the authority forms to claim back any ppi i asked if this was completed before the mvm would i still be expected to sign it?
the response yes as it is to do with administration surrounding ppi and vat issue now correct me if i am wrong but i was under the impression that any iva after may 2011 should not carry vat anyway
then she went on to say i advise you to sign it as it may delay the closure of your case if you do not but i can not tell you haow as it has not been drafted yet, how can they advise you to sign something that hasn't even been drafted? semms a bit of a mystery to me
You are correct that the Paymex VAT issue, will not affect cases post May 2011 - although the case was not reported until July of that year so there could be some overlap.
I am not sure you are getting the correct advice about the variation. Ask them to see copies of the suggested terms so that you can review them and take legal advice if necessary.
Got a letter that says. I have to send in a new claim form for. P P I as its now out of date 6 months l was told it would be sorted in 4 to 6 weeks in July 2012 I finished my iva 6 months ago. I sent in new forms in January and was asked again in. February for them then told it was the posts fault. So 9 months later nothings been done and will be told more fobbing off stories
These people are supposedly intelligent
OK I will not send anything back and they can wait 6 years it will go off the records. I assume so w by should. I run around after them. I paid and completed. I don't want credit or a loan so they can whistle for it
Slushy. I understand how you feel -- but, unless you get that certificate your IVA will stay on your credit record. It will not drop off at 6 years unless the CRA's are sent a copy of the completion certificate as, as far as they are concerned, it is still active.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Yes its all ok when we are running around doing there job for them But to be honest I am not going to want credit again or need it I am planned out for the next year or two so its not important to me
The money we paid over the years must be held back somewhere and if you say an average IVA of £20 000 multiply by about 500 customers is £1 million pound do you think IVA companies holding onto these amounts are going to rush to pay them out or hold out and make interest on the money stored course not
If I am a bank and told to pay £1 million a month in PPI I will say to my brokers ok chaps fob them off and use that £1 million and play the stock market for 2 or 3 months we should make a huge profilt that covers what we pay out
We are treated like dirt simple as that jump through every hoop told and put under huge pressure worry and stress and then told no now you have to wait another 6 months and then more strings attached to suit there little games
I would advise any person looking at an IVA to go Bankrupt I should have done that as the easy option but I was playing fair to pay back as much as I could and suffered for it in many ways
Dont quote oh this company has super service maybe they do when they want you to sign up when you complete they have not 1 jot of concern about you UNTIL they need you to sign more papers so they can get more money out of you
I have not heard a peep from mine in nearly 7 months If I so much as made a late payment I would get 10 missed calls and 20 emails get my point
not fussed I did what I set out to do I made the mess I got myself out done and dusted I moved on
It would appear that your experience of an IVA isn't one which we can all share in. My IVA didn't run smoothly for numerous reasons but none the fault of my IP. They were circumstances outside of my control. My IP found me a resolution and we worked this forward together. They cannot all be tarred with the same brush and although I recognise that BR is a debt solution as is an IVA the individual has to make up their own mind.
I think there will be a fair few posters disagree that BR is an easy option...it most certainly isn't.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
This PPI issue is causing much anguish and it is understandable. However in the correct circumstances an IVA is an excellent way to deal with debt and hopefully once this PPI fiasco is sorted many people will enjoy the relief that an IVA brings
Its just the incompetence of claim firms even if you do all you can to assist. Phone call in December, home visit and everything signed at start of Jan. Told all would be sorted in 8 weeks. Received more phone calls saying they need more signatures and want another home visit. Instead forms arrived at phone. They want me to sign a claim form that I know to be incorrect. Subject access requests arriving at my home and not with them. Called them numberous times, cant speak to my case rep, left number and never had a call back (including today). So frustrating.
I get the impression there is no control, documents with very delicate information are being passed around everywhere. I thought a specialist claim company was supported to ease things. DRSP are incompetent
