I never got the letter in July last year so I am pretty miffed that yhry forward my details. I will be speaking to them. When I comes to ppi I claim myself rather than a company that will take a cut and reduce what can be paid into the pot!!!
Foggy - they are only allowed to discuss with creditors the following:-
A person's increase or decrease in earnings
A person's ability to pay more at a later date.
If I told an IP that I had a windfall due to me or had won a few grand on a scratchcard (as if!), then they could tell the creditors that - I would expect them to - what they should not be doing is being back-handed and sly.
Hayley -- your Direct Debit issue was not the same as simply refusing to pay -- should Tracey do that the IVA will simply be failed .. with all the consequences that will bring.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Most of the £8k was from a loan I had many, many years ago, which did, it seems, have PPI on it (maybe I was young and foolish). Anyway, over the years that loan was consolidated and the PPI premium added into the settlement figure, which was funded by a further loan --- the new loan had no mention of PPI, but, of course the earlier PPI was hidden in there !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
I will be speaking to all because eic have my credit file which they told me they have. they have claimed for unfair charges and won a whopping 32.00 wonder how much they charged for that well I won't be supporting the fees!!! Since I knew nothing about it. I will continue to pay due to the fact that I need to close the iva asap due to family and personal reason posted elsewhere. However I will not be signing to change anything untold I have the full picture and I am not paying additional fees either
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Hayley.dl
Foggy - they are only allowed to discuss with creditors the following:-
A person's increase or decrease in earnings
A person's ability to pay more at a later date.
If I told an IP that I had a windfall due to me or had won a few grand on a scratchcard (as if!), then they could tell the creditors that - I would expect them to - what they should not be doing is being back-handed and sly.
The IP might have the right to discuss your affairs with your creditors and you might have given them this right when you entered into your IVA, but surely EIC, or any other third party, are not covered within this authority as they are not your creditors.....
Hi Mel, I understand that, it is the matter of whether they have the same freedom to discuss aspects of your IVA with third parties who, at the onset of the IVA, are totally un associated with it.
They are not party to discuss any aspects of an individual's case with a third party, unless this is covered off in the the terms and conditions.
My own firm's standard terms, which are enclosed in each IVA proposal, for instance allow me to appoint solicitors or professional advisors to discuss legal aspects of the case. For all other external contact, I would need the express permission of my clients - however I think my clause about professional advisors amply covers me.
You will need to check the terms of your own propoals to be sure in your individual cases.
I have looked at my paperwork and in there it states that they will act as data controller and will contact relevant parties where it is deemed that they fulfilling there obligation to the creditors. seems it is ok for them to go after unfair charges and fees without my written consent but need it to go after ppi. what's the difference????
I don't see one Tracey to be frank. Those terms would be sufficient for me to pursue a PPI investigation if I was acting. Maybe they just want to engage client's support, and this is one way of doing it perhaps?
