Hi I am having problems with G&T also, my IVA went back to court 18 mnths ago and because my wages dropped by £300 per month, and requested a further 6 months to pay so in all 5 and a half years. The court agreed and I paid my final payment in September this year and been told this has gone for closure. Last week they said by letter they cant close it until they have done a final review and claimed any PPI (they have already done the PPI claim and had back £12,600)but saying they havent claimed anything !!! yet its showing claimed in my documents. I am now looking at seeking legal advice as I have kept to my side on the contract and paid everything. I am begining to think there is something dodgy about this company
My husband was in an IVA 2 years ago and never had any trouble he paid the final payment and received his certificate in 2 months, he never had to do a final review either. He was with McCambridge Duffy.
I was initially with Accuma but my case was taken over by GT, so it's not even like I chose to go to them. It's all leaving a very bad taste in the mouth, and there seems to be no way to actually complain about it. I'm thinking of seeking legal advice too. What looked like a light at the end of the tunnel when I made my last payment now looks more like a false dawn
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Stuboy22
My conspiracy theory is that they are waiting for the company they have instructed to reclaim my PPI (which then goes back to the creditors, so presumably a large chunk also going to GT and this PPI company)to make sure they have claimed as much as they can before closing the book. Maybe I'm being cynical, but that certainly seems to add up. GT were very heavy handed when they sent me a letter telling me I HAD TO instruct this PPI company to deal with my claims and all proceeds HAD TO go towards paying back my creditors otherwise there was a significant chance that my completion date would be delayed. I think they prey on people's emotions, although somebody on here could probably confirm if indeed that is the way it works or not
Stuboy -- there ARE ways to deal with PPI post completion, which are utilised by almost all other companies. GT simply refuse to do anything to assist their clients. The companies who use these methods do not lose out on fees, nor do GT gain on fees by stubbornly refusing to use them.
I do not believe there is any conspiracy, nor gain for GT in these delays, merely monumental pig-headedness and the bullying mentality of those at the helm.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Hi we are in a similar situation. Last payment in February 2013 and still waiting for our CC . I made a formal complaint to the financial services ombudsmen and within 2 days had an email and a phone call from Grant Thornton. Apparently our case has to go to a variation meeting, quite how it has taken 9 months is beyond me! We now have a date of the 26th November for this meeting. I have to say that Kelly in the variations team has been extremely helpful, which is refreshing after nearly 7 years of dealing with GT, we had ours extended by 12 months. I have no idea when this will all end. We wanted to put our house on the market in February but that's looking unlikely now, esp as grant Thornton need to remove the RX1 from the property too!
I hope you get some answers soon or more importantly you CC.
Hmm so I've just called teh Ombudsmen and they said they would need to "look at whether this is an area of the industry they are able to enforce". Not overly encouraging
How strange, the person I spoke to checked and confirmed they could and I have the paperwork with my logged complaint. I hope they get back to you with some help. It's so frustrating when you just want to finish everything esp after such a long time and after all the restrictions.
Tell me about it. The most frustrating thing of all is that since I started, my financial situation has changed beyond recognition, so disposable income is not an issue at all. All I want to do is get a proper Current Account and go onto the mortgage which has been in my wife's name all this time, and they have therefore only ever been able to take her income into account. I don't want loans or anything like that, just to be on a level playing field. Their deflection tactics just make me so angry, and they don't even have the decency to apologise, all they say is "can't put you through", or "it was due for closure on 31st August, but has now been moved to 31st October, although they have a backlog so thats unlikely". Surely there has to be somebody in the company who has the courage to deal with escalations besides the poor customer service people who clearly take a battering all day
As I do keep saying on the forum repeatedly - The Financial Ombudsman cannot receive nor act on complaints about insolvency practioners - if the complaint refers to an IVA.
You need to go to the Insolvency Gateway - found on the Insolvency Service's website - and ask for the matter to be reviewed by the IPs own regulatory body. Regulatory bodies take all complaints seriously, and will investigate for you all if you feel you have been unfairly treated.
Melanie. Confused now as somebody earlier in this thread said they got action after complaining to them. Lo and behold, I've managed to stumble across an email address for the closures team from an ancient thread on Moneysavingsexpert (iva.closures@uk.gt.com) and have emailed them directly, but have got an auto response saying them will reply within 10 working days. We'll see if that actually happens
I too am not happy with gt my last payment was back in April this year and they told me only the other day that I had to send in an income and expenditure form
Puzzles the s**t out off me I have also sent them an email to that address above so will see what happens next
Phil. Annoying as that is, at least you've had some sort of comms to explain your delay. I've had literally nothing apart from the standard "it's with closures and should be out with you shortly" spiel from customer services.
THE FINANCIAL OMBUDSMAN HAS NO AMBIT TO HEAR COMPLAINTS ABOUT INSOLVENCY PRACTITIOENRS ACTING IN IVA'S. YOU HAVE TO REFER THESE TO THE IP'S OWN REGULATORY BODY
I am sorry if this comes across as shouting - but people in IVAs ought to have been made fully aware of the complaints policy of their firms prior to engaging with them, and also the ability to refer unresolved issues to the IPs own regulatory body. It strikes me from the number of complaints being reported on the forum these days, that this is simply not happening in reality.
