Hi i agree.Hope things get sorted at DFD.I finished my IVA in January and was told i should receive my completion certificate in july or august. I have since returned PPI claim forms,although i dont think they will have any joy as i dont think i was mis-sold.However i have had no trouble with DFD and wish Antoinette the best of luck, and hope she will finally sort things out for a lot of DFD,s customers.
Let's hope that Antoinette opens her emails and responds to them unlike the IP's as mine doesn't. I have copied her into an email asking for the 2nd time this week for the information that Judith indicated that she would provide by close of business last friday and wasn't able to but that my IP would be in touch shortly, so far nothing, no acknowledgement of the email i sent on monday morning or anything else, shocking service despite having paid over nearly £11,000 for this, annoyed you bet i am!
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.
IVA COMPLETED August 2012, received Completion certificate 18.4.13.
Firstly, I would like to thank everyone for your feedback regarding Melanie’s warm welcome – it has indeed been a long time since we worked together but less of the “old” please Mel!!
I am completely aware that some clients have experienced difficulties and at times it may have seemed like your problems were not being taken up so I want to start by offering my sincere apologies for any delays in response times or any dissatisfaction with our customer service levels.
I can assure you that myself and the team here at DebtFreeDirect are committed to tackling the issues and currently focussing on where we can impact change in the fastest time-frame. We intend to carry out a full review of every situation where our client’s arrangements are affected by the current industry issues and our internal processes will be tuned to ensure full and proper communications going forward.
We are, like every other provider, often limited by matters outside our direct control in this industry and despite best efforts it is often impossible to meet your expectations. However we take this very seriously and I am glad to say that some of those issues appear to be on the home straight and we are looking forward to making things happen again for you and for us.
As a priority we have also instigated some new features within the business to broaden our communication channels and we will endeavour to use every medium available to provide the right advice in a clear and consistent way going forward.
This forum is a high priority for us and I look forward to seeing more feedback to help us achieve the best outcomes for all clients.
I am really excited to be onboard with a great crew here at DFD and I know there will be testing times ahead for all of us but I am confident that 2013 will be successful and we will rise to the challenge.
Hi Antoinette and long time no hear. Congratulations on your new post and having had the pleasure of working with you for a number of years I am sure you will be an invaluable asset to DFD.
Welcome Antoinette, a very postive post and i'm sure it will please DFD clients no end to see that hopefully now things will start to move forward a little quicker of late.
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.
IVA COMPLETED August 2012, received Completion certificate 18.4.13.
Good to see you posting Antoinette and hope to catch up with you soon for that drink. Hope you are settling in well "Up North" or as you would say from where you come from "Down South".
Probably not the best phrase to use under the circumstances! However That's the root of the problem; There is no option to switch from poor performing Companies.
Mel - I sincerely hope this is a good appointment that will help to turn things round for all concerned. Definitely brownie points for coming onto the forum and facing up to the challenges.
Although my point was a bit sarcastic, it does highlight the basic fact that IVA clients have no choice or little choice at best to move away from an under performing Company and no matter what investigative/background work you complete prior to going into an IVA, you can end up on another Companies books!
The IVA is a tripartite agreement, and its contractual nature means that the contract cannot be broken at the choice of any party, merely on the non-compliance of the debtor.
It is often mentioned on the forum that it would be great if IVAs were transferable at the request of the debtor - but I don't think you would find too many reputable IPs wanting to take over sub-standard cases from other IPs to be honest. The cynic in me says that this would simply make the larger firms larger, by spending more of their already extensive marketing budgets to attract new clients.
I think that the system has to stay the same to be honest - but selection of IP and firm has to be really important to get right in the first place.
I can see what you mean about not transferring cases Mel, but what about when one company takes over another? My IVA was with Accuma and, had it been successful, would have been transferred to GT. I may have spoken to GT and not been happy and decided Accuma were better but then ended up with a company I wouldn't have chosen. That doesn't seem fair.
(BTW this is hypothetical, I didn't speak to GT at all)
hi mel i hope that the new head of dfd insolvency can help i am fed up at this late stage og only being able to contact customer services and not speak to someone who can really help and not just pass on meesages regarding my issues over the hsbc cock up and dfd like the proverbial brick not listening and no way to speak to anyone who will listen and only pass on your concern/message to the relevent dept ie then end of phonecall
I don't agree, Mel. In my case, for instance, I chose my firm and was then sold on. If, at that stage I exercised a right to a debtor led transfer, why would I be looked on as a "sub-standard case", as you put it ?
I believe there should be a right to debtor led transfers in certain circumstances, possibly after scrutiny by an independent review panel, on at least one occasion during the term.
Hours of research and careful selection of IP and firm have been rendered redundant when you can be summarily passed on without so much as a by your leave.
My "tripartite agreement" was between Tenon, myself and my creditors --- nothing at all to do with GT.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
You would not be looked at in such way, my point is that there are differing standards in all firms, and new IPs would be concerned about the quality of the case they were taking on as they would be required to abide by the terms and conditions of those cases which may conflict with their own.
This point may be worthy of a hypothetical debate - I don't see the rules being changed unfortunately.
I don't see any changes in this regard either, Mel. However, the topic is worthy of debate, in my opinion.
Naturally the "receiving IP", would have the opportunity to check that terms and, indeed, the previous IP's system of accounting, is compatible before agreeing to a transfer.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
