Yeah, I was with Willson Phillips and the ip was great there, always reasonable and spoke to me in person but they sold there portfolio to grant Thornton who I never wanted as my ip with them being a big impersonal firm. I just got a letter through the post one day saying Grant Thornton were now my ip so I should sign a document agreeing to there terms. I never signed the agreement but it made no difference.
Melanie, I thankfully have my completion cert now but throughout the time I wad with gt the customer services were terrible. Calls were never returned, I never got the same answer from different people, they refused to offer any assistance when I completed I&e forms even when my circumstance s changed due to maternity leave. The attitude was always just do as we say. My major problems came after my final payment last year tho when they I was offered voluntary severance but gt advised they would hold me to the iva terms despite my payments having been made on time and in full (at my finances expense during 2 lots of maternity leave), and I could only keep a portion of my payout based on the fact I worked part time. I had only just gone part time and had worked full time nearly the entire length of the iva. This seemed incredibly unfair. I ended up staying in work and then the ppi/closure fiasco began!
GT will of charged the IVA £650 for that unsigned document because they assume in thier arrogance that no-one would ever object to them increasing the IVA fee's from Wilson Phillips 15% to GT's 25%.
And yes i didnt sign that letter (variation) either but GT still put the variation in and charged the IVa for the pleasure (only found this out recently).
I recently pointed this out as i never signed the letter so putting it forward in my name is technically fraud.
I asked to see the form they promised me it then went silent missed thier own deadline (for a change....actually no thats as per normal)and now refuse to answer queries over it.
Just whe i think they cant be any worse GT ups the stakes.
Time to end of IVA 0 days
Time to end of GT dealing with it...CC recieved after a battle royal !!
We have just been passed to GT (oh joy!), but have had nothing to sign??? Is this because ours is a 'closure' case (last payment made Feb 2013, passed to GT mid July)
Great [:(] Thanks Foggy. They should see from the paperwork sent to them by MD&C that we don't have any PPI to claim back.
I've sent them a 3rd e-mail today, with the subject as IVA Forum, asking for a projected date for closure & also an explanation as to why it's taking so long to close when other firms seem to manage to do it within a month or 2. Not holding my breath for a reply tho! I know the CC isn't the be all & end all, but after 5 years of sticking to our side of the bargain, I think it's only fair that they stick to theirs. We didn't ask to be 'sold' to GT, so to me it's like we are being punished for them taking on our case.
Think the main gripe tho is the lack of communication from them - no reply to e-mails is appalling.
I agree that there is no excuse for no-communication an update once a week/fortnight at least would be nice to keep you in the loop when waiting on finishing your IVA. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
I guess with another 5,000 or so IVA cases to take control of, that some of the internal systems may have slowed up a little - but hopefully they will soon get on top of matters and be in a position to get closures underway.
I appreciate that Melanie, but if it's been possible for you to communicate that on here in what, 2 minutes, then surely it's possible for them to reply & communicate the reason to their clients too. If they can't cope with the work load, then I'm sorry but they shouldn't be increasing it!!! Greed springs to mind.
