Posted: Fri Mar 20, 2015 6:33 pm
Hi all,
You may remember that I posted about a month ago regarding a PPI claim I had. Just to recap, I was a PJG customer who was transferred to CF. Just prior to the transfer, PJG said I could keep 50% of my PPI clam, however CF refused to honor that. I made a formal complaint to CF, and today I received this reply. (CF letter is in italics; my response is in bold)
I note that you have confirmed that it is not your intention to sign the resolution issued to you by this office on 7th January 2015 agreeing to the revised conditions of your IVA and on this basis I am unable to propose these to your creditors.
I don't understand what relevance this paragraph is to my complaint?
You have indicated in your email dated xx November 2014 that you had been informed by PJG that you would be able to retain 50% of the PPI claims in your annual review. I have carried out an extensive review of your case file and I can confirm that I see no reference confirming this position.
Couldn't have been that extensive of a review or they would have seen it the penultimate paragraph of my last annual review with PJG
I can confirm that I have sought legal advice in relation to the PPI claims and the content of the proposal documents modified and agreed to by both you and your creditors. I can confirm that my solicitor has advised me that the non- disclosure of an asset, even when done so innocently, is grounds for a default bankruptcy petition on the basis that the information contained within the proposals were false
Wow....let’s just slow down there a minute CF. At the time of taking out my IVA I was not aware that I had any entitlement to PPI. It was only when I was contacted directly by the companies involved that I actually became aware. As soon as I was aware, I contacted PJG and kept them informed. Nice threat regarding solicitors and bankruptcy though, especially when I've done nothing wrong.
Therefore I am unable to issue you with a 50% share of any PPI.
Interestingly, this is signed by the ever elusive Susan Wriglesworth!
I rang CF today to try and discuss this with Susan, but she was 'unavailable'. Apparently, the Complaints Manager will contact me next week.......I shall not hold my breath.
My question is, what should I do now? CF have taken no notice of any of the information I have sent them, and did not even contact me to discuss my complaint prior to coming to this ridiculous decision.
I was a PJG customer for three and a half years and had no issues. Six months with CF and I’ve had nothing but issues, and now I get a letter full of veiled threats.
You may remember that I posted about a month ago regarding a PPI claim I had. Just to recap, I was a PJG customer who was transferred to CF. Just prior to the transfer, PJG said I could keep 50% of my PPI clam, however CF refused to honor that. I made a formal complaint to CF, and today I received this reply. (CF letter is in italics; my response is in bold)
I note that you have confirmed that it is not your intention to sign the resolution issued to you by this office on 7th January 2015 agreeing to the revised conditions of your IVA and on this basis I am unable to propose these to your creditors.
I don't understand what relevance this paragraph is to my complaint?
You have indicated in your email dated xx November 2014 that you had been informed by PJG that you would be able to retain 50% of the PPI claims in your annual review. I have carried out an extensive review of your case file and I can confirm that I see no reference confirming this position.
Couldn't have been that extensive of a review or they would have seen it the penultimate paragraph of my last annual review with PJG
I can confirm that I have sought legal advice in relation to the PPI claims and the content of the proposal documents modified and agreed to by both you and your creditors. I can confirm that my solicitor has advised me that the non- disclosure of an asset, even when done so innocently, is grounds for a default bankruptcy petition on the basis that the information contained within the proposals were false
Wow....let’s just slow down there a minute CF. At the time of taking out my IVA I was not aware that I had any entitlement to PPI. It was only when I was contacted directly by the companies involved that I actually became aware. As soon as I was aware, I contacted PJG and kept them informed. Nice threat regarding solicitors and bankruptcy though, especially when I've done nothing wrong.
Therefore I am unable to issue you with a 50% share of any PPI.
Interestingly, this is signed by the ever elusive Susan Wriglesworth!
I rang CF today to try and discuss this with Susan, but she was 'unavailable'. Apparently, the Complaints Manager will contact me next week.......I shall not hold my breath.
My question is, what should I do now? CF have taken no notice of any of the information I have sent them, and did not even contact me to discuss my complaint prior to coming to this ridiculous decision.
I was a PJG customer for three and a half years and had no issues. Six months with CF and I’ve had nothing but issues, and now I get a letter full of veiled threats.