Can I complain ? I believe extension is due to office being understaffed.

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Olga.d

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Post by Olga.d » Fri May 22, 2015 10:42 pm
Good afternoon

I made my last payment into the 6-year IVA in March. PPI claim is still outstanding in spite of being in progress for 11 months. The last outstanding PPI claim (1 of 4) has nothing- I know it.

My IP wants to extend my IVA for another period of 6 months for administration purposes (as they said in their e-mail). I found the whole process too painful to deal with further extensions.

Can anyone please advise if the IP needs to come up with some good reason to extend my IVA? I believe this extension is being done to help them with the office being understaffed.Can I complain to anyone regulating the industry?

Many thanks in advance.
 
 

Shining

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Post by Shining » Fri May 22, 2015 10:47 pm
Hi, when you say extend your IVA by 6 months do you mean you're to continue payments or they're going to keep it open to conclude the PPI?

If you've made all payments there should be no need for extra.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

oand

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Post by oand » Sat May 23, 2015 1:42 am
Hi Lesley

Many thanks for your reply. I made the payments and the proposed extension is for admin purposes - this is what is stated in their e-mail.

I just want it finished, I followed all the rules and I don't see the need for this 6 months extension.
 
 

Adam Davies

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Post by Adam Davies » Sat May 23, 2015 8:35 am
Hi

These extensions for PPI claims are very unfair as you can't get on with your life

You could make a formal complaint using the IVA companies complaints procedure, it may just be enough for them to conclude your IVA a little quicker

Regards
Andam Davies
 
 

oand

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Post by oand » Sat May 23, 2015 8:57 am
Thanks A lot Andy- you are very helpful and reassuring..

Would I complain to the internal complaints department or to the Ombudsman? Would you be aware of the wording for these formal complaints? What do I need to state in the complaint?

I have checked the credit card statements and there is no mention of PPI on them. Surely the original statements should be enough for the IP or the PPI company to conclude that it is unreasonable to keep IVA open or extend it?
Many thanks.
 
 

Shining

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Post by Shining » Sat May 23, 2015 2:53 pm
I can imagine your frustration as I would be the same.

Not sure how to complain but bumping it back up so hopefully another poster can assist you. All the best.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Shining

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Post by Shining » Sat May 23, 2015 2:54 pm
Just to add I know it's wrong but sometimes it can be 'he who shouts loudest' so it is worth keep hassling them to get a move on.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

oand

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Post by oand » Sat May 23, 2015 3:37 pm
Thanks Lesley!

I have submitted my complaint now- let's see what happens after the bank holiday!

I greatly appreciate your support and advise- thank you.
 
 

Adam Davies

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Post by Adam Davies » Sat May 23, 2015 6:12 pm
Hi

Use the IVA companies own complaints procedure in the first instance

Please keep us all updated on any progress

Good luck

Regards
Andam Davies
 
 

oand

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Post by oand » Sun May 24, 2015 7:06 am
Will do Andy!
 
 

Shining

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Post by Shining » Sun May 24, 2015 8:48 am
Fingers crossed they get your closure done soonest.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

oand

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Post by oand » Sun May 24, 2015 3:21 pm
Cant't wait Lesley- I am sure the feeling would be better than the feeling before you go on a holiday!
 
 

Lisa Thomas

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Post by Lisa Thomas » Tue May 26, 2015 11:34 am
Start off by using their own complaints procedure as Andy says - this gives them the chance to pull their finger out and get something resolved for you. Also it shows you have followed the complaints procedure if you then have to make a formal complaint, which you can do here
https://www.gov.uk/complain-about-insol ... actitioner
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
 
 

oand

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Post by oand » Wed May 27, 2015 8:58 am
Thanks a lot Lisa. I am waiting for their reply to my complaint- see what happens!
 
 

Lisa Thomas

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Post by Lisa Thomas » Wed May 27, 2015 9:09 am
Hopefully this will now get sorted for you.
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
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