the thing is I've never taken out credit when unemployed, so have never taken out PPI when unemployed. I am not self-employed, I was told about the PPI at the time, was not told it was compulsory to have it, was not pushed into having it or advised to take it out when I was not eligible, which means I was not miss sold PPI. Why DFD can't take this on-board,close my IVA and send me my CC I'll never know. I'll sign something saying I promise to never make a ppi claim after the IVA has closed if that's what they're worried about. But I'm not willing to make a fraudulant ppi claim. We'll see what happens.
completely agree with you Lucy Lou, I'm not willing to put my neck on the chopping block either as it'll be my signature on those forms making that false declaration, doubt I'd see DFD holding their hands up saying "we told her to sign them" if it ends up going to court. What they're doing is holding my CC to ransom, surely this is illegal in itself, and they themselves are breaching the t&c's of the IVA.
Hi, Iwas with dfd just got all my certs through. I had the same issue. Don't be bullied. I had to sign a simple form the template I posted on another thread regarding gt and ppi. At work at the minute so can't drag it up again. Should be standard for anyone that has not been mis sold to not have to claim and fill out the form.
Hi Gina.gu, yes I saw your template on the other thread, many thanks for that, very helpful - I've copied it, adapted it slightly and emailed to DFD and EiF - doubt they will accept an email version but at least they may now know how serious I am about not making a ppi claim and send me the proper form to sign. Interesting that DFD backed down on your case, I've been battling this with them for about 5 months and they just keep saying the same old thing - sign or don't get your CC!! I'm in no rush for the CC so will battle for as long as it takes. Just want the nightmare to be over now.
When did you make your last IVA payment Gina.gu?
for anyone reading this thread wondering what template Gina.gu posted then here it is:
I hereby confirm that I do not wish to pursue a claim for misselling of Payment Protection Insurance against the lenders on the attached schedule.
I confirm that the reason for this is that the policy was not, in my opinion, missold by the lender.
I confirm that it is not my intention to submit a claim for misselling of PPI to the lender either during or after the conclusion of my IVA.
To enable creditors to close their files on this matter I confirm that I agree to a copy of this declaration being provided to any or all of my creditors within the IVA.
Hi , we did a full and final. We pid in large instalments from jan to april. We phoned eif and basically said we were not doing it as it is fraud saying you were mis sold when you weren't. They said they were ok with it and to just get your ip to agree. This we did. After a long battle the last few months we got the template which you have seen by email! Using word we signed it via the computer and emailed it back. My ip did try to say we had to claim but as we had it in an email that we did not have to go ahead with ppi and also because we were not going to claim something we do not have we won the battle. Stand firm if its what you want and believe. The forum helped in my case too. If you say you were aware and ot mis sold you cannot and should not be made to sign.put a line through all the letters and write not mis sold. They have tem back then .not how they wanted, but back as requested
Well hopefully the email I sent to DFD and EiF of the template you provided will start a chain reaction of them getting their act together. Won't hold my breath though [:)]
Its ridiculous really as if you have not been mis sold you have not and that's all there is to it. Also you can't give to one and not the other. There really should be some regulatio. Ok if you have ppi and were mis sold the creditors should be entitled but if not, its wrong. Professionaly its wrong. I could not lie ands say I had been mis sold. On the dfd form there is no box to tick to say you have not been mis sold. It should be there
I really don't think that any of the IPs engaged in pursuing PPI claims are forcing their clients into making false or fraudulent claims. They are probably wanting their clients agreement for rhem to check historic credit files to see what accounts have actually had PPI included in them. People do forfet these things, and banks have been known to include PPI without their customer's knowledge.
In agreeing to co-operate with your IP in this investigation, you are not committing to making any judgement on any potential claim. Once the information is received, you will likely be presented with a list of accounts which included PPI. If you then say that you do not believe any of the policies were mis-sold, that should be an end to the matter - so I really think that the best way forward is to send the forms back as quickly as you can because the sooner you do the sooner your cases should be closed.
I cannot, of course, speak for the firms concerned directly, so these are really just my own thoughts.
I understand that they have to investigate the potential for a ppi claim, and I would be willing for them to investigate if I wasn't sure about my ppi history but EiF have already given me a list of creditors which charged me and my husband ppi, all of which we knew about and have told DFD that they did not miss sell to us. So no idea what DFD's problem is. It's as if they're deliberately trying to be difficult and make this whole process more complicated than it needs to be. Will let you know what happens next.
I think the problem here are that trying to speak to your IP if you are a DFD client is near impossible, i sent an email directly to mine and got no response! If and when you get through to DFD (not an easy mission these days) you automatically get through to customer services and if you ask to speak to your IP you will get a standard reply saying that they're there to help you. Maybe if the IP's were made aware of the problems and i doubt they are other than yourself Melanie who is a very active member of this community as well as a humanistic IP, then perhaps these problems would be sorted sooner than later and the stress related to them would be squashed.
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.
IVA COMPLETED August 2012, received Completion certificate 18.4.13.
Hi
I made my last IVA payment in Dec 2011 to DFD and am in the same boat being held to ransom firstly by the VAT issue which I thought was resolved in May 2012 by signing a variation form for my IVA to be closed and now by PPI. I contacted DFD in Nov 2011 when I received the PPI forms from EIF and told DFD that we have NOT been mis-sold PPI and have not heard anything more until I sent an email to my supervisor and received a response from customer services saying 'I can see from your account we currently have PPI being paid in, once the remaining claims are completed we will be able to update you further'
I emailed back saying how was this possible as I had not signed anything and was not sold PPI and was told 'Some creditors are looking at refunding the PPI without being prompted to do so first.We do however need a full review of PPI doing, so require you to complete the PPI pack that was sent to you a while ago'
I am 8 months down the line from my last payment and am going to make a compliant to the ombudsman. I think the very nature of insolvency is making it very easy for companies to bully debtors. I feel like I did when I was setting up my IVA and in fear of phone calls from creditors and I paid this company to help me!!!
Given mumsy's latest post, where she clearly states that she agreed to take out PPI purely on a willing basis, there can be no reason for her case now to be closed. I hope that Declan picks up on this post and intervenes.
I'd like to know which banks are actually refunding monies to customers without having proper claims submitted s well.
