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Posted: Fri May 22, 2015 10:42 pm
by Olga.d
Good afternoon
I made my last payment into the 6-year IVA in March. PPI claim is still outstanding in spite of being in progress for 11 months. The last outstanding PPI claim (1 of 4) has nothing- I know it.
My IP wants to extend my IVA for another period of 6 months for administration purposes (as they said in their e-mail). I found the whole process too painful to deal with further extensions.
Can anyone please advise if the IP needs to come up with some good reason to extend my IVA? I believe this extension is being done to help them with the office being understaffed.Can I complain to anyone regulating the industry?
Many thanks in advance.
Posted: Fri May 22, 2015 10:47 pm
by Shining
Hi, when you say extend your IVA by 6 months do you mean you're to continue payments or they're going to keep it open to conclude the PPI?
If you've made all payments there should be no need for extra.
Posted: Sat May 23, 2015 1:42 am
by oand
Hi Lesley
Many thanks for your reply. I made the payments and the proposed extension is for admin purposes - this is what is stated in their e-mail.
I just want it finished, I followed all the rules and I don't see the need for this 6 months extension.
Posted: Sat May 23, 2015 8:35 am
by Adam Davies
Hi
These extensions for PPI claims are very unfair as you can't get on with your life
You could make a formal complaint using the IVA companies complaints procedure, it may just be enough for them to conclude your IVA a little quicker
Regards
Posted: Sat May 23, 2015 8:57 am
by oand
Thanks A lot Andy- you are very helpful and reassuring..
Would I complain to the internal complaints department or to the Ombudsman? Would you be aware of the wording for these formal complaints? What do I need to state in the complaint?
I have checked the credit card statements and there is no mention of PPI on them. Surely the original statements should be enough for the IP or the PPI company to conclude that it is unreasonable to keep IVA open or extend it?
Many thanks.
Posted: Sat May 23, 2015 2:53 pm
by Shining
I can imagine your frustration as I would be the same.
Not sure how to complain but bumping it back up so hopefully another poster can assist you. All the best.
Posted: Sat May 23, 2015 2:54 pm
by Shining
Just to add I know it's wrong but sometimes it can be 'he who shouts loudest' so it is worth keep hassling them to get a move on.
Posted: Sat May 23, 2015 3:37 pm
by oand
Thanks Lesley!
I have submitted my complaint now- let's see what happens after the bank holiday!
I greatly appreciate your support and advise- thank you.
Posted: Sat May 23, 2015 6:12 pm
by Adam Davies
Hi
Use the IVA companies own complaints procedure in the first instance
Please keep us all updated on any progress
Good luck
Regards
Posted: Sun May 24, 2015 7:06 am
by oand
Will do Andy!
Posted: Sun May 24, 2015 8:48 am
by Shining
Fingers crossed they get your closure done soonest.
Posted: Sun May 24, 2015 3:21 pm
by oand
Cant't wait Lesley- I am sure the feeling would be better than the feeling before you go on a holiday!
Posted: Tue May 26, 2015 11:34 am
by Lisa Thomas
Start off by using their own complaints procedure as Andy says - this gives them the chance to pull their finger out and get something resolved for you. Also it shows you have followed the complaints procedure if you then have to make a formal complaint, which you can do here
https://www.gov.uk/complain-about-insol ... actitioner
Posted: Wed May 27, 2015 8:58 am
by oand
Thanks a lot Lisa. I am waiting for their reply to my complaint- see what happens!
Posted: Wed May 27, 2015 9:09 am
by Lisa Thomas
Hopefully this will now get sorted for you.