I have made the last payment of my IVA (66/66) and i have e-mailed all my last 6 months payslips and P60 for my final review but after reading loads of these posts i am wondering how long it takes to get a Certificate of Completion.
I am not claiming any PPI and for now it is just a waiting game.
I am not looking to get anymore credit anyway but it would be nice next year to go back to being credit worthy as a back up.
After reading a lot of these posts i am glad i went with the company i did (Melanies) and not DFD or GT as it seems that they are treating all there IVA Customers likesomething you scrape off the bottom of your shoe as regards Completion Certificate's.
I will say something in that Melanie always posts on the Forum and you always know exactly where you stand regards your IVA unlike GT or DFD who seem to be hiding in the Shadows and seem to be FOBBING OFF!!! there customers.
I mean some of these people have done the Hard Graft and completed there IVA's and need to get there live's back on track but to wait for nearly a year or over to get a piece of paper to say you are COMPLETED is beyond a joke and i think these two companies DFD and GT owe a big explanation to there customers into WHY they are having to wait for such a long time.
In my firm, these are generally issued within two months of the final anniversary - unless there are reasons which prevent closure, such as outstanding information or payments. Am sure you must have been awar of this Andrew?
DFD and GT are handling many thousands of IVAs between them, and are two of the largest players in the marketplace today. So they must be doing something right, given the number of IVAs they are still presenting each month - presumably for people who have decided to use them out of their own choice.
At least you get answers from you Melanie and know where you stand, if ever I knew of someone who has terrible debt and need a good IP you and your company will definitely be top of my list as the customer service from your team has been first class all the way through from beginning to the end.
I would say the vast majority - as I think they are presenting around 250 new cases each month, and are therefore one of the main players in this marketplace.
Well then to be frank & honest, I think they should be forced to stop taking on any new cases until they can deal satisfactorily with the ones they have at the moment. Surely even you have to admit Melanie that there are a lot of VERY unhappy GT customers out there - and these are the only we know about as they post on here. What about the ones who don't know about this forum but are as disgruntled as the rest.
It would make interesting (though commercially sensitive) reading as to how many they have purchased over the last few years, how many feeds they get via CAB and StepChange or via introducers as opposed to how many direct approaches they get.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
I cannot really comment on that tinks81, because we see a high proportion of posts on this forum complaining about GT, but given the number of cases they are handling, this is miniscule in proportion.
Personally I really wish the subjects of GT and PPI were banned from this forum, as they seem to be the only real topics discussed in any great detail right now.
Even clients fed by StepChange and others have a choice Foggy. Perhaps not many people are shopping around to find the right firm to represent them?
Melanie.
People are told by their banks, the CAB, government leaflets etc to go to Stepchange who then send them to GT. They are in debt, vulnerable, afraid and easily mislead so I doubt if they would have the ability to shop around and instead are signing up to whatever they are told by the people they have been referred to.
The problem lies with the system and not GT who are processing the cases that so called charities cannot.
Hopefully we can continue to spread the word, Michael, that there is a choice, and that commercial companies are not only very complaint - particularly with regard to publishing our terms and conditions, and complaint policies, but also charge no more than those companies who purport to work on a "not-for-profit" basis.
I personally would never commit to a relationship with a professional, who I had not fully checked out, for a five year period - and if I read adverse comment, I would steer very clear. I wonder if things will change in the future, as consumer knowledge grows?
I agree with Melanie that the forum questions / topics have really changed in the last few months ..... PPI issues have taken over the world it seems !
Hopefully if we all spread the word of what the forum is and how it can help and offer alternatives more people will ask their questions so we can continue to offer the support and guidance we all want to give in our free time.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
We can't reach everyone but we can hopefully reach some. When a lifeline is thrown to you and you're desperate and in debt you will grab it with both hands. The amount of posters on here compared to GT's books may be low I agree but how many more customers do they have that aren't happy but don't' know about the forum either...having said all this on the flip slide they may have many happy customers, we don't hear from them either (there must be some).
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Sorry Melanie, but why SHOULD such topics be barred???? It's an open forum for people to get help & advise from people who are in/have been in the same position. And for you to keep bleating that its a choice which company we use - yes it is, but it WASN"T our choice to then have our chosen company pass on our cases to a company we avoided in the first place!!!!!! If we had wanted to change companies part way through our IVA, it would have been nigh on impossible, yet the big fish have us over a barrel & can treat us as they want. Maybe spending a year in our shoes & you'd have a different point of view. It's good that your company send out cc usually within a coupe of months, but with respect, keeping telling us that really isn't helping. And this is one of our points - if companies like yours can do it, them why can't GT? Sorry for the rant but after yet another sleepless night I am very irritable & upset.
