Nearly there! Couple of questions

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ketton79
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by ketton79 » Mon Jul 16, 2018 11:02 am
Hi Guys,

So my we have just paid the last payment on my wifes 5 yr IVA, still a year to go in mine, We've had the forms through from Payplan to fill in for completion cert etc and one for PPI claims ( still cant understand why they leave the PPI part of it till now and didnt do it some time in the last 5 years?)

My issue is that want us to sign the form for any ppi that comes through is payable to them, I get this, but then they want us to get a witness signature. We've managed to go the last 5 years without telling anyone we're in an IVA and now we have to get a witness signature for this?

Also they recomment we get legal advice on it? A) we're in an IVA, do we really have the spare cash for legal advice B) if you don't get legal advice they want you to tick a box saying we haven't sought legal advice depsite them recommending it. C) I thought we had Payplan for advice through this?

Any opinions or previous experience with this is greatly appreciated.
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Foggy
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by Foggy » Mon Jul 16, 2018 11:15 am
Payplan always advise you to seek legal advice -- it is them watching their own backs and proving "best advice".

The reason for a witness is that the document is a "deed" and is designed to last in perpetuity (forever) .. in law a "deed" needs to be witnessed.
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luluj
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by luluj » Mon Jul 16, 2018 4:42 pm
No need to tell someone that you are in an iva.... just say you are looking into claiming back some misold monies years ago on a credit card and they need a witness signature ...
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ketton79
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by ketton79 » Mon Jul 16, 2018 6:17 pm
luluj wrote:
No need to tell someone that you are in an iva.... just say you are looking into claiming back some misold monies years ago on a credit card and they need a witness signature ...



Unfortunately the form they have to sign as a witness has IVA written all over the top of it.
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kallis3
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by kallis3 » Tue Jul 17, 2018 9:00 am
I would question this with Payplan - You do not need legal advice.
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