Certificate of Completion - How Long

[Bradders]

Sorry but I couldnt disagree more.
This is a forum for people who need help.
If the help they need is advice about GT/DFD, PPI and closures then so be it. It may be multiple posts and it may get repetitive but that's the problem of choice at the moment so the forum needs to handle it and continue to give the (same) advice. If not, you might as well shut up shop.

Personally I find some threads on here a bit boring...I find the occasional poster a bit boring too...I mean what good does it actually do to repeat "speak to your IP" a thousand times and have your fingers crossed. BUT my opinion on that means nothing and I recognise that for some people, that may be what they want to read. And I choose which threads to read, which to reply to and which to leave and as a result I continue to find this forum to be an excellent resource.

Tinks- you maybe should review your comments, and perhaps recognise that there was a certain rudeness in there, notwithstanding your acceptance that she does an excellent job. I'm sure Mel won't let it stop her from helping people in her usual expert manner on here, something that we all value.

[MelanieGiles]

I will never stop using my expertise, experience and knowledge to assist anyone on this forum, however there is a complaints mechanism in place which ought to be used to address the many recurring issues we constantly read about on the forum.

[Shining]

I do feel the poster finds the forum and reaches out. I will always say contact your IP in the first instance it's after that if nothing is done they want to be escalating things. I agree with Bradders no matter how many times the question is asked, to that poster it's the first time so it's important we answer them. Repetitive maybe but until this goes away and things are back to closures happening timely then posters will come along.

We can always add about the complaints procedure to the replies we give.

Maybe an expert (?) can write a reply that admin can make a sticky topic and if the poster for whatever reason doesn't see it, then we could refer them to this in the first instance.

[luluj]

Wholeheartedly agree with that .... If i recall my first few weeks on the forum i took strength from the kind words of other members, albeit ..fingers crossed, best wishes .....

The forum has been part of my life now for six years .... And i hope continues to be .... The experts give there time freely, and don't have to ... We often refer people back to their own IP as we cannot dictate what is in their own proposal and the additional modifications ... Only they and their IP can ..... We can give our opinions but they are just that our opinions.

Everyone has freedom to speak out, but respect for all on this forum is a must ..... So guys let's agree to move forwards and go back to providing the advice and direction so many of our fellow members want x

[Pennyless]

I must admit that over the years on this forum, had I not been with Melanies company, I would possibly of felt exceptionally short-changed when reading the horror stories of others experiences with their other chosen/or not IVA Companies, therefore I can see Tinks point....why cant all Companies provide the service that Melanie provides (and I'm not just talking about posting on forums et al....I mean a smooth, common sense approach to clients and their problems, conducted with diligence and attention to detail for each individual in accordance with IVA protocol)...and PPI claims is not the only area where other Companies seem to fall very short of the mark.

Melanie, unfortunately amongst other IVA Companies, "how can you be expected to soar with eagles when your flying with sparrows".

[Foggy]

Yes, we are here to help with problems and give relevant advice, and my advice on GT and PPI is that continual posting has, obviously, not resolved matters and is falling on deaf ears.

We should therefore be directing our efforts elsewhere and making these complaints direct to the IP, the regulators and other authorities with an interest.

By all means continue to post on here, but we need to be making this noise in the right places. The firms involved seemingly don't care and the regulators are disinterested -- well --- we should spark their interest.

[Bradders]

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by MelanieGiles

I will never stop using my expertise, experience and knowledge to assist anyone on this forum, however there is a complaints mechanism in place which ought to be used to address the many recurring issues we constantly read about on the forum.

I agree Mel and maybe the next step for the forum is to show people HOW to complain, who to, provide template letters and step by step guides. It may be there already, but maybe the posts that say "complain to the regulator" should also say, "and here's how you do it". People will be disinclined to do it on many occasions because they feel like the little guy, who has been told to put up and shut up for so long that the feel the system is against them. So what they need is some re assurance that complaining will work and that its easy to do.

By the way, I have noticed the help areas "During IVA issues" etc, but I've never read them, so maybe I'm a prime case. Maybe the information is there but when you need help, asking the forum is quicker and an effective way to scream that you need help, or are angry, frustrated etc.

[MelanieGiles]

It's a possible project for the forum administrators, if they feel this would help. At the end of the day all firms who hold a consumer credit licence are obliged to circulate their complaints procedure, and publish it on their website - the proces for a client making a complaint is to be as simple and transparent as possible.

[orchid5]

I have Jo Swinson's email address if those that need it want to email me.

Melanie don't stop posting on here please your advice is invaluable and I know that you helped me immensely.

Sadly the world of IVA is being inundated by this PPI and delay of closure fiasco and I don't think will be going away soon, however the more people that use the complaints procedure of the said company or regulators if still not happy then hopefully someone, somewhere will have to take notice!

[MelanieGiles]

Don't worry - they will have to carry off the forum in my box Orchid!

[julieannas]

I have read this post carefully and all the replies and can honestly say I am more than a bit worried that so many other people are in the same situation as me.

My IVA started in April 2007 and as of today I am still awaiting my completion certificate. Who am I with? Would you be surprised to find that it's GT. I understand that some people are finding that the whole PPI and lack of CC issue is becoming a bit repetitive, but I personally came on to the Forum looking for some advice to help me with just that same problem. This is actually my first post on the Forum, which I felt compelled to write.

I have constantly tried to contact GT by phone, only to sit there listening to endless messages on a loop. I have emailed, only to be ignored. I eventually found the GT representative on this Forum and have sent another email, using 'IVI Forum' in the subject line. I received an immediate electronic response, informing me that my email has been received. Now it's the waiting game yet again.

I feel for tinks81, as I share the same frustrations. What was promised as a five year resolution to my problem now stands at six and a half years, with no resolution in sight. I also feel for Melanie, she is obviously a valued member of the Forum. Bradders, you have a valid point. When the advice is to contact your IP, perhaps the 'How to' would be better. I have tried to contact mine, using the only number I have, but to no avail. I actually received a letter from him last year stating all funds had been received and my CC would follow. Still GT have decided to hold my CC until PPI is resolved. I was not mis-sold PPI, I have signed a declaration stating this. I wonder if these IP's in question know what is happening in their name.

Just one final point, before I finish my book I did research the various methods of help, when I first realised I was in trouble. I did my research and chose the company I wanted to go with, after reading customer reviews. Needless to say it was NOT GT. I, as many others on this Forum, had my IVA bought by GT. There wasn't much I could do about this, but I would expect GT to honour my contract, as have I.

Well I was hoping to be able to make my first post a little lighter, but I just couldn't stop the flow. Forgive me if I seem to be making light of this situation, but usually, the more frustrated and angry I become, the less I can cope, so I'm try not to.

Regards

Julie.

[Foggy]

Hi Julie, and welcome. Many of us share your frustrations on many levels. I have been only waiting a month for mine, so very early days, but am equally frustrated on behalf of the many others stuck in that boat, some of whom have been waiting years.

As I am yet to experience the joys of being left on the shelf ( so to speak) my frustrations centre more on the fact that all pleas and complaints are going totally unacknowledged by our IP's (Karol is marvellous, but she is constrained by what she is allowed to do).

Our IP's simply do not give a cat's whisker !!

[themacka]

I started my IVA in May 2007 and also have not yet got my closure documents. I was also moved to GT and are now at their mercy. I have been in contact with them almost every month since my last payment and every time the date moves for my closure. 15 months on and I have had enough so have written a formal complaint. If this does not work then it will be the insolvency service. If that don't work then I am at a loss as what to do next...