Told by DFD that if I don't sign PPI form I won't get my IVA certificate.

[mumsy17]

my IVA with DFD finished in March 2012, my VAT variations mtg took place on 28th May and was 100% agreed to close the IVA and I was told I'd receive my closure certificate within 8 weeks of this meeting, I'm still waiting 10 weeks on (and 5 months on from my last IVA payment). Now I'm being told that if I don't sign and send back my PPI claim forms that I won't get my IVA certificate. But my issue is both me and my husband entered into all our PPI's knowingly and don't feel it was mis-sold to us at all so have no intention of making a claim, which is why we refuse to sign a declaration stating 'I am unhappy with how ppi was sold to me' - are DFD basically just blackmailing me into entering a ppi process and signing forms I don't want to sign just so I can get my closure certificate? after all ppi re-claiming was not a part of my IVA t&c's.I've sought advice from the financial ombudsman about this as I don't think I'm being treated very fairly by DFD, I've fullfilled my IVA and now they're adding on extra conditions. Any advice on how to proceed with this much appreciated. thanks

[MelanieGiles]

If you genuinely can confirm that PPI was not sold to you at any time in the period leading to the IVAs being accepted, you should inform your IP of this and they should then be able to formally close off your case.

[Daniel Griffiths]

I think she is saying that PPI was sold to her but not Miss sold to her, quite a difference and now she along with many like her are being blackmailed into signing bits of paper in order to enrich others at the cost to our banks and subsequently the tax payer It is about time the press got hold of this scandal.

[mumsy17]

Hi, thanks very much for your advice.I have told DFD numerous times that I was not mis-sold ppi and will not sign a form stating otherwise but they just keep telling me they will not send me the closure certificate until I do.They are clearly bullying me into making a false ppi claim just so I can receive my closure cert which is why I've contacted the FOS for some advice. Are IP's allowed to do this?

[MelanieGiles]

I don't see any difference at all Daniel - if she says that PPI was not mis-sold to her then she will never be able to make a claim and therefore cannot be forced to do so. I suggest that mumsy arranges for a private chat directly with her IP so that he/she can explain their position directly, leaving her in the position of further considering whether a complaint is necessary.

[Tina Shortland]

If someone knew they were buying PPI at the time of taking out the credit then it has not been 'mis'sold and therefore cannot be claimed against. I agree with Mel Mumsy needs to speak to her IP and get the matter clarified.

Keep us posted Mumsy.

[mumsy17]

I have told DFD many times that I was not miss sold PPI so refuse to sign forms saying otherwise (as recently as today) but they still say the same thing - to quote an email from DFD's PPI Customer Liaison Support "if you fail to co-operate, we will continue to ask you to complete your obligations. Your IVA can’t be fully concluded until all matters, including collecting any available claims, is completed. I understand that you are keen to conclude your IVA, so please ensure that the completed pack is returned to Equity in Finance as quickly as possible so that the PPI review which is required does not delay your closures later." - feels like a threat to me. Which is why I've forwarded the email to the FOS asking them to look into it and advise me. They can't get away with this surely?

[Loads a Debt]

Hi Mumsy17,

Why don't you just cross out the 'I am unhappy' bit and replace it with ' I am happy', then sign it and send it back?

Might be worth a try??

Good luck

[mumsy17]

possibly worth a try but doubt they would accept an 'adapted' form. Plus I've now thrown out the paperwork as I have no intention of signing it, and it took them 2 months to re-send the last pack to me (as I didn't receive the 1st one they sent).

[Tina Shortland]

Hi Mumsy - you need to escalate this formally if you are getting nowhere with DFD as you cannot be forced to make a fraulent or claim or allow someone else to make a fraudulent claim on your behalf. If you are absolutely certain that you knowlingly took the PPI - which was your right at the time then if DFd will not accept this you need to take it up with their regulatory body otherwise you are in stale mate and you will be the one to lose out. They are the ones that are not co-operating with you - do not allow it to become the other way.

[mumsy17]

thanks Tina. I completely agree, I've made it as clear to DFD as possible that I will not make a false ppi claim and have made a complaint to FOS about the way I've been treated. Hopefully DFD will step-up and do the right thing and close my IVA as promised, it's been almost 6 1/2 years since I started the IVA and have done all they've asked in that time, the least they can do now is close my IVA and send me my closure certificate as they promised in a letter they sent to me 10 weeks ago. If nothing happens soon I'll take it up with their regulator the Institute of Chartered Accountants. Will keep you updated

[Heretoday]

While I agree with what you are all saying, it was plain to see in my case with Cleardebt that even though I did not feel I had been miss sold ppi I was forced to claim it or face my IVA being failed and no CC. While this is not Cleardebt we are talking about, the same may apply.

Unless you are willing to fight this and possibly delay further your CC being issued then perhaps you should consider signing it and getting it over and done with?

[mumsy17]

yes I have thought about just signing it anyway to get it over with, but it's more the way they're bullying me into it that I disagree with, and the fact that they are basically asking me to make a false declaration. TBH I'm not in a rush to get my CC as I have no need for any credit right now, I just want the IVA officially closed and my CC in my hand (as most people on this forum want)[:)]

[nepensioner]

Heretoday, I cannot agree to think about claiming to speed up your completion certificate. To claim when you have knowingly not been mis-sold is fraud.

[Heretoday]

I agree with you fully!
That was the stance I took when asked to make a claim.
As is well documented in another thread in this forum I was blackmailed / threatened into making these claims or my iva would be failed after me making 72 payments!

I don't think it is right to claim if you believe you were not miss sold it but from my experience you may end up having to claim it in the end anyway.