When I called a couple of weeks ago they told me I was high on this list but they were having IT issues for the migration of information from previous IVA practitioners- Harrington Brooks and that I should receive my certificate in 2 weeks!!!. On calling today I have now been told they are awaiting a response from one of my creditors and this can take up to 30 days. I have been on various forums (beatmydebt.com) and this sounds like I'm being fobbed off . The Forum states that the fact is once the final report has been issued by the IP your IVA company does NOT have to wait for creditors to reply,they can issue the completion certificate immediately. Although the people on the phone have been nice enough I don't think this is acceptable. Also on another IVA information site it states - 1 relatively common example is that they are waiting for your creditors to confirm that all monies have been received - and I quote "Excuses other than PPI are generally not acceptable whatever the excuse it is- normally a simple backlog in the IVA companies completion department is to blame."
Is anyone else going through the same issues and am I right to keep asking questions?
Until all claims are finalised the IP will be unable to make up final accounts and I do not agree that the arrangement can be completed before then .... so their excuse might be genuine. In any even they are still withing the time period to which you agreed in the proposal.
Regarding the forum quoting "Excuses other than PPI are generally not acceptable .... ", this is contrary to official advice with regard to PPI. The regulatory bodies actually said that PPI alone was NOT an excuse for delay.
Personally I would say that you have waited long enough, but, even delays caused by a simple backlog are par for the course these days and we have little recourse until the agreed conditions have been breached.
I might add -- these are just my opinions -- I am sure the other forums will maintain that they are correct and I am wrong .... joys of t'internet !
sue605 wrote:Thanks Foggy, as you can appreciate I'm just frustrated and wanted to vent- so close yet so far...and wanted to know if anyone else is going through the same delays as I'm facing , its just everyone else I've spoken to have got there certificate much quicker than this!!! -Just want to move on with my life now- fingers crossed this comes through sooner rather than later.
Been there -- done that --- so I fully understand. The IP's never seem to realise that this is someone's life and is a momentous thing for us ! Hopefully it won't take too long.
Thank you for the post. I am one of the team here at Freeman Jones.
Firstly please let me say that we absolutely do realise that our customers are real people and these things matter a great deal to you. We do work hard to provide every customer with a high standard of service throughout the life of their IVA. I am sorry that we haven't achieved this on this occasion with the delay in getting you your completion certificate. We do appreciate that you'll be very keen to get it so you can put your IVA behind you.
Generally we would usually expect to issue completion certificates within a couple of weeks of the end of your IVA. However, as my colleague has said, we do unfortunately have a backlog at present (which in inherited from another firm that we took over). We are working as fast as we can to clear the backlog and restore the service standards that you (and we) expect.
If you drop me an email to ian.williams at FreemanJones.com I will do what I can to speed things along for you.
I look forward to hearing from you.
I would like to add my view regarding your comments. My belief is that you have shoved all of the Harrington Brooks cases to the bottom of the pile, you have no intention of dealing with us. As I have mentioned before in a previous post if and when we get through we have to speak to another stranger who will ask you to go through the whole thing again, who will then say we will speak to your IP or the manager has put it as urgent. You never get back to us NEVER, you don’t ever give an update. We can never speak to the same person.
I would love to one day go to sleep and not think about waking up to another oh so miserable day and mostly not waking at all. And no you don’t understand that we are real people otherwise we wouldn’t be posting these views.
All in all I would advise everyone to go bankrupt or find some alternative way to deal with your debts, do not under any circumstances go for an IVA because it never ends. These people are making bankers look like angels.
Sorry for the rant but I sincerely hope your case is resolved ASAP but I wouldn’t hold your breath. Good luck
I am sorry that you feel that way. Whilst that may be your perception it isn't correct, we don't differentiate between our customers regardless of whether you came to us via Harrington Brooks or not. We do try to provide a great service to every single one. I do understand, and I am sorry, that we haven't in this case - it is certainly not acceptable that your concerns have not been addressed, and your calls should certainly have been returned. This is something I would like the chance to investigate.
As I said in my response to your other post, please do get in touch with me via ian.williams at freemanjones.com and I will do what I can to resolve this for you.
I look forward to hearing from you.
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