My husband and I finished our iva on the 31st March 2015 after 6 years. We received a copy of the final papers sent to our creditors confirming we have complied. But DFD are still chasing us to sign the variation in terms form. We have taken both financial and legal advice and do not want to sign. We do have the right. It's all to do with PPI which we have never ever had. My daughter has serious health issues and I need to reduce my hours and go part time. I have applied for two jobs but have been refused both positions as my IVA is still showing as current and both offers have been withdrawn. My daughter needs me to help with her childcare and DFD are stopping me
On the one hand I totally agree with you about PPI - on the other it is a contentious area for IP's and I have a slither of sympathy for them (but only a slither because much of this is of their own making).
I would say sign and let them waste their time and money.
Your major problem based on other recent posts is the length of time that they are taking to issue CC's and if this is impacting on work then that is morfe important.
The main message that DFD are giving out is that when it came to closure they really did not plan for people ever leaving.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
On the subject of PPI we have has some posters who have been sure that they never had PPI only to find out that they have and have been refunded thousands, hence the need for the IP to explore this avenue.
My view is that the PPI claims should go ahead but not at the expense of delaying a persons completion certificate
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Andy Davie
Hi
On the subject of PPI we have has some posters who have been sure that they never had PPI only to find out that they have and have been refunded thousands, hence the need for the IP to explore this avenue.
My view is that the PPI claims should go ahead but not at the expense of delaying a persons completion certificate
Regards
I am one of those posters -- they found over £8,000 "hidden" in a rolled over balance (actually rolled over twice ). In the current loan paperwork there was no mention of PPI, as the premium had just been rolled into the settlement figure for the last loan.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
