Hi all, I would like to say I don't want to lodge a formal complaint unless I have to however we both feel that the way in which our case has been dealt with is just unacceptable and holding us back from moving on with our lives.
We repaid our IVA back in August 2012, it's now 8 months on and nowhere near to receiving a completion certificate because of this ridiculous situation with the PPI reclaim.
We were advised back in January this year that if we agreed to the forthcoming variation that we would essentially be free of the PPI reclaim and then IVA's could be settled early. It's now April and still no sign of any answers.
I have emailed Grant Thornton twice since last week to ask for an update and still no answer which I'm furious about.
Is it so wrong to want answers and to know when we can have our lives back to some sort of normality and move on? I don't honestly understand how they can hold us to ransom like this in the meantime while they sort out their own miserable mess.
I also want to know about the obligations of our IVA even after receipt of a completion certificate (which is still not within grasping distance), are we still obligated under the terms of an IVA even after receipt of this document? I'm starting to feel that we really have never received all of the facts regarding IVA's and do feel we aren't alone in this either, all of the posts on here just show that if we're all honest don't know what it's all about.
Any advice greatfully received.
Thanks
Complain to their governing body and the MoJ, even drop your local MP a letter outlining the conduct you are expected to just shoulder. If the IP can't be bothered to make some form of communication even after several emails from you then they really do show a total lack of respect for the way you are being left. This is however not a rare occurrence as the forum is littered with GT closure fiasco's and lack of communication.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
I have requested the address to lodge a formal complaint with GT and who to direct it to, which they have responded to this morning. I've had a response from someone at GT too confirming they will review my case and get back to me today (fingers crossed they do). I think even so I will make a complaint the whole thing stinks from the sorry beginning to, I would like to say the end, but it's not even that is it.
Thanks for your help though, if I don't get an adequate answer I will be making a formal complaint. This really isn't good enough.
It really does appear to be as Melanie says in some companies he who shouts loudest gets a reply...do keep shouting and hassling. Not supposed to be like this but sadly we're seeing more of this.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Keep on at them it works in the end trust me. Been waiting 17 months for our and finally after getting our case finally reviewed have been told that it will be all complete at the end of May at the very latest. Like yourself all we wanted was a final date for
CC
You are entitled to receive proper information about the status of your case closure, and I would wait for the GT representative to get back to you on Monday before you consider whether an external complaint is warranted.
Hi churchyn, i too felt as you do but had to involve my MP because my IP either didn't have the time or couldn't be bothered to answer my emails, miraculously it worked, MP informed just after easter, low and behold CC yesterday, good luck and keep trying. xxxx
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.
Just had a thought and will probably get some verbal for this but here goes, if you set up a petition and get 100,00 signatures it has to be debated in parliament lol, have we got that many disgruntled GT people yet? Food for thought lololol.
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.
If this was the NHS the regulators would be in by now without any warning! If these companies had the same type of thing I bet there would be a mass send out of cc!! I certainly think its worth setting up a group of disgruntled people!! It's not fair that your voice is not heard when in such a vulnerable position!!
That is very true Nutkins, working for the NHS for over 30 years now as i have, if i'd acted in such an unprofessional manner i would've been out the door long ago. There definately needs to be some clear regulations on this, not subjective, not left up to the individual as we all know, one person thinks different to others, some clients receive excellent service (we know whose clients those are) and others are left stranded in the dark, getting more and more frustrated by the minute, waiting eons for what is rightfully theirs because the systems that are currently in place are obviously not sufficient to support them! I have learnt so much on my journey to completion and certainly one thing i have learnt is to not back down, this experience has made me much stronger and not as vulnerable as i was when i first embarked on this journey.
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.
There is nothing to stop any of you lodging complaints with the IPs regulators if you feel you have had, or continuing to get, a poor service. Perhaps it is time for the regulators to start taking on board some of this flak and ruling whether the IPs are acting appropriately or not.
I think it's through fear Melanie that if you do take your complaint further this could have ramifications for you in your IVA even though it is right to complain if the service you are getting isn't what it should be. Sadly, as i have said many times before not everyone acts in the professional manner that you do Melanie, it is a shame but that is fact.
I do agree that there should now be clear guidance on what can and can't be done as it isn't fair that one person gets treated differently than another for example some are allowed to keep the interest aspect of PPI, that creates disharmony for others whose IP's say they can't. It wouldn't surprise me if this comes back to bite people.
It is a shame that something like this has created a monster that has upset hundreds of people and prevented them from getting what is rightfully theirs.
Last edited by orchid5 on Sun Apr 21, 2013 10:35 am, edited 1 time in total.
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.
Good insolvency practitioners will take complaints very seriously - and if they have nothing to be worried about, or have done nothing wrong, then that should not in any way affect their ongoing relationship with their client.
