The dreaded PPI

Get expert opinion. This is the place for new questions to be posted.
18 posts Page 1 of 2
 
 

footy mad bird

User avatar
Posts: 23
Joined: Thu Aug 02, 2012 4:37 pm
Location: United Kingdom

Post by footy mad bird » Mon Sep 23, 2013 12:23 pm
Hi, I finally got my completion certificate earlier this year, but now I have received 2 forms from Barclays Bank with a letter saying I have complained about 2 mis sold PPIs. As far as I am aware I never had PPI with any loans. The forms are asking me what I am complaiing about and what is the account number to which the claim refers. I havent a clue, as my original IVA was taken out in 2006 and I havent kept any records of any debts I passed to Grant Thornton. Do I need to sent these forms back to Barclays or can I just ignore them as I havent a clue what they refer to? Thanks
I knew it sounded too easy :/
 
 

brokebryn

User avatar
Posts: 316
Joined: Tue Jan 17, 2012 6:32 pm
Location:

Post by brokebryn » Mon Sep 23, 2013 1:43 pm
Are you sure that the claims have not been generated by your IVA company or whoever now holds the debt?
Last edited by brokebryn on Mon Sep 23, 2013 1:43 pm, edited 1 time in total.
Last monthly payment made 3 June 2013 after 6 long years. CC issued 21 August 2013, but, er, lost in the post. Finally got it 17 September.
 
 

Jay H

User avatar
Posts: 150
Joined: Sun Jan 22, 2012 4:30 pm
Location: United Kingdom

Post by Jay H » Mon Sep 23, 2013 2:25 pm
Sounds like GT strike again..GT accessed my credit file and I had letter from a company called EIC with ever last creditor on it they even tried to make me claim agenist a mobile phone contract that's how thick they are...well on one hand it's good it's being dealt with now and not at the end of the iva so touch wood I won't be like a lot of people on here and getting sucker punched at the end
I am no expert but would like to give advice based on my own personal experience...
 
 

footy mad bird

User avatar
Posts: 23
Joined: Thu Aug 02, 2012 4:37 pm
Location: United Kingdom

Post by footy mad bird » Mon Sep 23, 2013 4:58 pm
It took 2 years from my final payment to receive my certificate. Surely if I have my certificate then the case is closed?
I knew it sounded too easy :/
 
 

Foggy

User avatar
Posts: 33395
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Mon Sep 23, 2013 5:15 pm
The IVA might be closed, but the PPI existed during it's lifetime and is therefore considered an asset of the IVA, so the IP is going after it!
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

footy mad bird

User avatar
Posts: 23
Joined: Thu Aug 02, 2012 4:37 pm
Location: United Kingdom

Post by footy mad bird » Mon Sep 23, 2013 6:16 pm
So in your opinion, I should fill in the forms as best I can and return them? If so, can anyone give me GT's phone number as I need it on the forms. Thanks
I knew it sounded too easy :/
 
 

Foggy

User avatar
Posts: 33395
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Mon Sep 23, 2013 7:16 pm
Personally I would just pass the forms to GT to do with them what they will --- you are not likely to benefit, so why should you do any of the work ?
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

footy mad bird

User avatar
Posts: 23
Joined: Thu Aug 02, 2012 4:37 pm
Location: United Kingdom

Post by footy mad bird » Mon Sep 23, 2013 8:33 pm
Thanks Foggy - Good idea. I will do that tomorrow
I knew it sounded too easy :/
 
 

Sharon.10

User avatar
Posts: 252
Joined: Wed Aug 14, 2013 11:21 pm
Location: United Kingdom

Post by Sharon.10 » Mon Sep 23, 2013 10:16 pm
I finished paying my iva in august 2012 I also just recieved ppi forms from barclays to fill out just sent them back to barclays. I am also with gt.
Last payment made August 2012 Certificate of Completion recieved 15th of Novenber 2013.
 
 

Foggy

User avatar
Posts: 33395
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Mon Sep 23, 2013 10:28 pm
To be honest I do feel that it is bad of GT to institute investigations without the courtesy of informing you. Had that have been me I would have treated it like any spam mail and shredded it !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

footy mad bird

User avatar
Posts: 23
Joined: Thu Aug 02, 2012 4:37 pm
Location: United Kingdom

Post by footy mad bird » Tue Sep 24, 2013 7:57 am
Sharon, did you have a 'policy number of the payment protection insurance you are complaining about'for the Barclays form? Thats the one thing I havent got as it was over 7 years ago
I knew it sounded too easy :/
 
 

Shining

User avatar
Posts: 27019
Joined: Thu Sep 20, 2007 8:57 am
Location:

Post by Shining » Tue Sep 24, 2013 7:59 am
It is indeed very rude and surely wrong? Unless you've given them authorisation to act on your behalf?
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

footy mad bird

User avatar
Posts: 23
Joined: Thu Aug 02, 2012 4:37 pm
Location: United Kingdom

Post by footy mad bird » Tue Sep 24, 2013 8:18 am
To be honest theyve rang so many times and done PPI questionnaires over the phone (each time I said I couldnt remember ever having taken PPI) There were even 2 companies I'd never dealt with (Avon Cosmetics being one - I didnt know they did PPI!) They said they had to pursue it, then I receive 2 forms from Barclays. Am going to fill them in with GTs contact details (if I can find their phone number) and return them to Barclays
I knew it sounded too easy :/
 
 

Shining

User avatar
Posts: 27019
Joined: Thu Sep 20, 2007 8:57 am
Location:

Post by Shining » Tue Sep 24, 2013 8:20 am
I don't blame you and I'm sure the phone number will be online somewhere for you to find. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Sharon.10

User avatar
Posts: 252
Joined: Wed Aug 14, 2013 11:21 pm
Location: United Kingdom

Post by Sharon.10 » Tue Sep 24, 2013 11:05 am
No I didnt know the policy number I sent the forms back without it last week they needed in by the 20th of september other if I didnt do it they would send me out a reminder to do anyway.
Last payment made August 2012 Certificate of Completion recieved 15th of Novenber 2013.
18 posts Page 1 of 2
Return to “Ask IVA Forum and Industry experts”