Hi- our iva was completed last year, via f and f, and we recd our completion certificate last year. After receiving the certificate we put a a claim into NatWest for miss selling PPI (NatWest was where I had my current account at the time of starting the iva and where I had the majority of the debt)...

Does the Financial Ombudsman have any say in the way Grant Thornton seem to be treating its customers. As with a lot of people on here they seem to be holding us to ransom too, with the EIC letter and holding the Completion Certificate back, despite having told us initially it would be up to 6 month...

Hi Guys We offered a F & F Settlement last year, which was accepted around Oct 2011. We have been waiting for our completion cer of GT, and told that they had overpaid creditors (same situation as a lot of people on here). The last correspondence off them beginning of July, were we were told they ha...

We finished our last payment in Oct 2011, full and final settlement, we were also told 5-6 months for the completion certificate. When we queried where it was a couple of months ago, we got the same answer as you, "overpaid creditors", etc. Then last month we emailed them to see what was going on, t...

Hi Me and my husband have a joint IVA - we are paying £410 over 60 months, with equity relase in the 5th year, or an extension of 12 months payments. (our house is currently in negative equaity) We have completed 44 months, however we have requested to pay a full and final settlement. My mum has jus...

Hi I have been offered Voluntary Redundancy, and would like to know what impact this would have on any settlement I make. I have 2 years left in my IVA, currently paying £450 per month Redundancy would be about £10K If I propose to offer £7k, would this be accepted, or would I have to give them the ...

Hi, I wonder if anybody can help We have just rec'd our paperwork requesting us to fill in an I & E sheet (2nd year review) Our IP is grant thornton(prev. Wilson Phillips) What it is,is that our 6 year old son has Asperger Syndrome (a form of Autism),and he was awarded DLA in Feb this year. I have n...

Hi All, wonder if you can help! We had British Gas out yesterday, as we have just signed up to their boilder breakdwon cover, and theu came out to do an initial assessment. Anyway, they told us they couldn't cover the boiler as it was unsafe and in the wrong position! The boilder is giving out 75 Ca...

Hello all, I am in need of advice and guidance! We are currently in a fixed rate mortgage, which is due to expire in july this year - Our mortgage company has advised us that they no longer offer fixed rate mortgages, and would have to go on to the variable rate, which currently stands at 8.12% - th...

It took about 4 months, we too went with Thomas Charles! It only took us this long becuase we had 2 meetings - the 1st one has to be rejected as the IP has put down the wrong figures! It is a very stressful time, what with all the letters and calls of creditors/debt collecting agencies, but, I think...

well done mrs plec - it's the same in our household!! Egg and capital one voted yes Not sure about the others yet, should hopefully hear next week so will let you all know! The IP didn't say anybody voted no so perhaps they all voted yes!! I was quite surprised, actually, especially as the dividend ...

Hi - Creditors where:

EGG 9500
NAT WEST 23000
CAPITAL ONE 4000
SAINSBURYS 3600
CAHOOT 8500
SAINSBURYS 14500

Hi guys - only just had a chance to let you all know - we had our meeting on Tuesday (at last - this would be our 2nd meeting), and it's been accepted - yessss!!! I think they accepted about 26p in the pound - which is £410 per month on a debt just over £60k!! Me and hubby are so relieved - only min...

Hi - to answer your question, no, me and my husband have not made any family or friends aware of our situation! For the simple fact that we feel terribly ashamed! We are the people in our family that everybody looks up to because we do things 'right', so would not want people to know how we have 'fa...

Thanks so much for posting that, skint! Has put my mind at ease a little, although will try and ring my IP tomorrow (although I will be at work so can be quite difficult)!!