I have made another attempt at a full and final settlement, we have some PPI sitting there so we made another offer, with a gift from elsewhere. I contacted them as the PPI was from Lloyds from historic loans 20 years ago, I was told apparently as Lloyds is in my IVA creditors, that the money would have to go to my lloyds debts even though they are 20 years ago, something I was a little annoyed about, I thought PPI claims went against the loans/cards they were on paid to those in your IVA, and anything else historic you had back, but obviously not. I do wonder if they really don't want you to settle, as you seem to come up against something every time, from long waits on calls, no updates etc, I am waiting for a call from the PPI department, 48 hours is up tomorrow morning so we shall see if I get a phone call, if I don't I shall be the phone again - hopefully get through in under 45 mins (I am setting a time to beat!) Also does anyone know if there is an ombudsman you can go to if you think that you are unfairly treated?
Hi KTC14, You do know its 10p per minute to hold don't you!!!
Have just received a call from Samantha, we now have a date for our F&F meeting 28March (fingers and everything else crossed). They are a bit slow in returning calls, but can honestly say if you e mail every couple days they do get back to you. Good luck with your F&F
So you got your call back then hun? Lol im still waiting! I'll be really hacked off if its after the 10th march! I'll be asking to take some of their fees off due to the lack of communication! Grrr! Makes me angry that they cant even be bothered to call back! Getting more angry the more i wait! Great customer service showed yet again by a company who clearly havnt got a clue what theyre doing!! If anyone is thinkin of getting an iva, for gods sake do not go with freeman jones!!
Full and Final Settlement Accepted 10/03/2014
Certificate Of Completion 3/4/2014!
I Did It!!
I only got my call back because I emailed Samantha again (I'm not as patient as you)She went through all my details with me and then gave me date, I think you should try emailing Sarah again you never know it might help!
Thanks for the information welshwiz, I will be clocking up my costs - thanks foggy for the link.
do you have direct email addresses for these people I only have the generic customer services one, I have spoke with Samantha before and she was really helpful, they have under 1 hour to ring me in the 48 hour window! lets see! Let me know how you get on charlee :)I am so wishing we never did this!
Saying that... Just sent my forth email of the week and today I got an automated reply that someone will call back within 2 days! Not had an automated reply before and all my emails have confirmed sent! Shall keep updated!
Full and Final Settlement Accepted 10/03/2014
Certificate Of Completion 3/4/2014!
I Did It!!
Just received my call back from Samantha! My creditor meeting date is the 10th march, so it's literally 30 working days after the signed variation report is received! Not waiting 30 days and then awaiting a meeting date after that like I thought it was! Nerves kicking in a bit! Good luck to everyone! Emailing certainly works so long as you get an automated reponse! Wonder where the rest of my emails have been going! Haha keep us updated with your processes though!
Full and Final Settlement Accepted 10/03/2014
Certificate Of Completion 3/4/2014!
I Did It!!
Hi Charlee, sometimes it pays to be impatient glad you got your date good luck for the 10th fingers crossed for you please let us know how you get on.
KTC14 the direct email address for Sarah is in her link on ask the experts a question.
Good luck, have found Sarah and Samantha really helpful if you keep getting in touch, they are busy but we all just want an end to this. I agree I would have not entered into an IVA if I had thought everything out properly but at the time was panicking and it seemed the right thing to do. If nothing else I have learnt a few lessons from this process.
I'm exactly the same welsh wiz! Totally regret the fast acting panic phase that lead me to the Iva! I would have been better off stayin on the debt management plan! But Sarah and Samantha have been very helpful during this very stressful part of hopefully the end of this journey! Lessons learnt and all that! Fingers toes legs and arms firmly crossed! Just a waiting game now! I'm glad I've managed to speak to Samantha though and got answers to my questions! Just hoping it all goes ok from now on in! X
Full and Final Settlement Accepted 10/03/2014
Certificate Of Completion 3/4/2014!
I Did It!!
thanks for that welshwiz - this whole IVA has been a nightmare for us, we run a business too, and it has had massive effects on that, we are paying over the odds for stuff as My husband is a director and as this is on his record, they see it as a negative and a red flag - hence why we want shot of it! I might be able to get some discounts then!! let me know how you both get on
