This makes me really angry, I am in the same position. IVA paid off in full April 2013, still no completion certificate.
I received a windfall in Nov 2012 which meant I could pay off my IVA in full (in fact I could cover the whole default sum). I told Grant Thornton this immediately, yet it was April before they had set up a variance meeting with me.
In the meantime they told me I had to send them all of the windfall (regardless of the amount). I refused, and would only pay what I had to, so ironically I ended up sitting on rather a lot of money for a few months.
At the April meeting my creditors unanimously agreed to the settlement proposal, therefore I naively assumed that giving them the money and me a certificate would be a simple process. But no, still waiting. 'It will be with you by November at the latest' I was told. It wasn't. Unforeseen changes to the industry are affecting how IVA's are managed'. Simply put it is poor administration.
What angers me is that at a time of need i went to the Citizen's Advice Bureau for impartial advice, and was told my best option was to go with Grant Thornton (their pnly recommendation). At the time I believed they were a partner agency of the government who were there to help me - if they were the only recommendation from CAB they must be good. How wrong could I be.
I signed up anyway ( I had little choice to be honest), and received a nice letter from XXXXX XXXXX, my personal practitioner, who would deal with my case form start to finish. He told me to contact him personally if I had any issues or concerns. I tried this, and nothing. No reply. I even phoned to check if he still worked there and he did, but they wouldnt let me speak to him. So much for the personal service.
Now I realise they just do not care at all. I have paid all my creditors, over 9 months ago now, and I have also paid GT their £3000 fee. I don't however have the one thing I need from them so I can get on with my life, which is surely what it is all about.
So I am now debt free, but can't get a mortgage, or a loan, or anything else I should reasonably be allowed to do. If I go overdrawn I get stung heavily, because I am unable to arrange an overdraft.
This should not be allowed in this country, a private company taking money from people in difficult situations and not completing their side of the deal, especially when recommended by a government organisation. Appalling.
I shall keep nagging them daily, and will be filling in the complaint from as well, I just want others to know how bad my experience has been with them, to hopefully share others the hardship, though sadly in this situation it seems we have no choice.
