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

[artemischild]

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by mumsy17

and it just keeps getting better, just checked the insolvancy register now and we're no longer on it [:D] that was very quick, but with a little prompting by me of course.

Excellent news mumsy....you can sit back now and let it sink in its finally over....your offically 'solvent' again [:D]

Have you started looking into cleaning up your credit files now? thats the next big job!!

best of luck
Arty

[Niobe]

Great news mumsy.

[mumsy17]

yes I've had my 30 day free trial with Experian and my score is surprisingly high and rated good!!! I queried this with them and even they were surprised that it was so high for someone coming out of an IVA (not sure if that's good or bad!!) but they basically said that once my IVA had come off the insolvancy register and a default registered at the beginning of the IVA has dropped off in a week's time my credit rating will be excellent! Great news, I'm not just debt free but stress free now as well [:D]

[Niobe]

Don't forget that although the credit score will be good, it doesn't necessarily mean that you are ok for credit.

Banks tend to have their own criteria these days.

[mumsy17]

I'm not planning on taking out any credit soon so i should be ok. All I really want to do is upgrade my current account to a better one first. Hopefully this will go through without a hitch with Santander!

[orchid5]

That is excellent news Mumsy, fingers crossed that when that default does drop off you will certainly be sorted.

Arty i have today phoned EIF after having done most of their work as we were waiting for one creditor to send me confirmation of their offer, they did this over a week ago and i wrote to EIF with all the documentation that i had including the fact i'd actually sent an email of acceptance. Low and behold they haven't heard a word and have informed me that it could take a further 8 weeks!!!!!!!!

To say i am frustrated by this is an understatement as i pointed out to the person i spoke today that they have had my details since last November! They have had ample time to get this all sorted and the very fact that they have not done anything until i started beating my drum in May is absolutely scandalous! I have also been told that it shouldn't hold up my IVA closure, my reply to that was they will want this money in to then give to my creditors and until all monies are in and that included PPI they won't close my case! I was also informed that DFD have issued CC to people who's PPI hasn't been paid over, i find that very hard to believe in all honesty and what they probably have been issued with is a certificate of complience.

Upshot he is now going to try and expidite things and will ring me back tomorrow, i wait with baited breath!.

I may drop Judith a line later on and see what DFD's stance is.

I'm so glad that i don't deliver my patient's care in this manner, good lord i'd be in jail now!

[12 months to go]

Hi orchid5

One of the things , well 2 actually, of My variation meeting held in July, was that closure could take place and certificate be issued before ppi and vat finalised , with the bank account DFD have for my IVA remaining open until these 2 issues are finalised. I had however written to DFD And eif to confirm that I did not have any pip miss sold, but I really couldn't be bothered raising this with DFD again. Apparently I'm " communicating with their agent " !!

As per my earlier post on another thread, when I'm back from holiday next week I will contact DFD, although not via customer services, as per my numerous previous posts, when I finally managed to get through the reply I got was not cases specific and individual to myself, more of a generic reply read from a script was the impression I formed.

Despite the odd frustrations, we all need to remember, as I know you do and myself as well, despite the odd frustrated post from myself that we are over the hard part of the IVA and just need to play the waiting game with DFD. That said, whilst accepting they have some very good hardworking people in their team, there seems to be a distinct lack of progress, communication and organisation in relation to the closure journey of their clients . Their parent company Fairpoint plc are due to release their half year trading statement next week ( assuming it's the same time as they issued it this time last year ) and I think we will find the mention of cost reductions in there, which I interpret as reduction in staff costs, which is what I see as the route cause to the abject lack of communication and progress in case closures that we are seeing as a common theme in threads relating to DFD over the last few months.

[orchid5]

Hi 12 months to go, quite agree with you, i have just joined Noddle and got the shock of my life, 2 defaults one from someone i didn't know only to find it was a debt company who had brought one of my debts lol, phew!

I shall deal with that later when i have the relevant documents to continue. I do feel it very sad that DFD who when i joined very good at communication etc are now well behind with customer relations, very sad indeed and not good advertisement either.

Let's hope as Arty has, you will have got something in writing regarding your CC or indeed it is sat there on your mat lol, good luck and best wishes.