My 6 years are up today, told I would receive certificate by now. What can I do ?

[Croydon lady]

My 6 years are up today and I was told some weeks ago I would get my certificate the day before my 6 years were up. I started the IVA 21/ 0/8 2008.
I still havent recieved it as yet and they are not giving me a time frame of when i will get it, what can I do?

[Michael Peoples]

If your IVA has only just completed you may have a bit of a wait depending on which firm you used. However if your IVA finished a year ago this seems far too long and perhaps you should speak to the IP directly and even make a complaint via the internal complaints process.This can often speed the process up as no one likes complaints.

[Croydon lady]

thankyou for your reply.
I made my last payment in August 2013.
They keep fobbing me off with reasons mainley PPI delays, they have had all forms returned to them that they have asked for months ago. They have now said they can give me a further year, which I'm saying they have had 2013 to 2014 (I started my IVA in Aug 2008).
I have said I will put in a complaint to the odbudsman, to which they just replied "I will have to put the complaint in through them"
I just want an answer to when I'm going to get the CC

[Croydon lady]

When I phone them I only get to speak to whoever is on the phone at that time, not sure who to ask for when i phone them

[Croydon lady]

I have just tried again to get an answer, but have been told they cant close my IVA owing to the vat on my PPI and if they close it now I could be responable for paying the vat myself

[Croydon lady]

A word of warning if you are thinking about an IVA,please do your homework carefully, I didn't because I was embarresed about being in Debt and went with the first one I found, BIG MISTAKE

[Michael Peoples]

This sounds odd as there is no VAT on PPI. There have been problems in the past with both these issues but they are not connected. You need to speak directly to the IP and ask them to put in writing the reasons for the delay as you wish to take independent legal advice.

[Croydon lady]

I have asked for a written copy of the phone calls from today but they will not send me any as they have a recorded of them. I spoke to a supervisor this pm and it was her that gave me this info regards vat.
I don't know who my IP is

[Michael Peoples]

https://www.insolvencydirect.bis.gov.uk ... hMapIE.asp

Enter your details into the link above and it will tell you who your IP is. You can then contact them directly and ask for an explanation.

[Croydon lady]

Thank you

[Croydon lady]

I couldn't find an email address for my IP, so have emailed the complaints dept.
They have sent me a letter saying they will look into my claim and get back to me within the next 8 weeks.Not sure why it will take that long but heyho.

[Michael Peoples]

This does seem a long time to answer a complaint but best of luck with it anyway.

[Skippy]

Good luck Croydon Lady. I can't believe people are still having to wait so long for completion certificates.

[Croydon lady]

Thank you both