I had the same thing; got the EIC letter in July and a completion certificate in August. The letter stated that if I did not reply within 10 days then GT would consider that I had consented to my personal data being passed on to EIC. I would imagine this breaches data protection laws as consent must be given and not replying does not count as giving consent; what if the recipient does not receive the letter? Still waiting to hear from EIC but I have no intention of agreeing to them pursuing any claims for me when my IVA has officially finished and I have no creditors to pay!
All the way through my IVA I have complied with every instruction given to me by GT, they are the experts and I have always trusted their judgement, so when I received the EIC letter I did as requested.
I have now been told that should EIC recoup any money, I can keep it, so if EIC want to take their cut first I don't have a problem with that, I've never had it so I wont miss it.
IVA COMPLETED ON THE 17th MARCH, FINAL I&E COMPLETED 26th APRIL, COMPLETION CERTIFICATE ARRIVED 2nd AUGUST
I have had over half a dozen missed calls on my mobile from a Glasgow number, i can only assume its EIC, as they are based there.
Like Northumbrian, I have now received my c of c, so I guess we are both in the same situation.
We had many loans over the years, from various sources, (hence the iva i guess), we have no paperwork to back these up. Not sure if it's worth asking EIC to give it a go or not.
Aucto Splendore Resurgo.
IVA accepted May 2007.
Extended by 12 months in lieu of equity March 2012.
F+F offer accepted May 2012.
C of C received August 2012.
IVA dropped off credit file 24th May 2013.
If claims are only allowable for a six year period and you make a claim whilst in year 5 does the PPI reclaim cover the whole period of payments or just the sixth year?
Interesting - and not in accordance with my own legal advice, but if that is what the IP firm says, then you have nothing to lose in making the claim and possibly a sum of money to eventually receive.
My own legal advice is that if the PPI was an asset of the IVA when the IVA was in existence, then any reclaim of monies still belongs to the former IVA creditors and the former Supervisor has a duty to distribute those under the existing trust - assuming that the trust survives the IVA. This does depend upon the trust clauses within your own individual arrangement however, so your IP has obviously considered that point in penning the response to you.
I'm happy that I have kept my IP fully informed and I have complied with all his instructions so if a little bit of a windfall were to come my way I wouldn't say no.
It's out of my hands now so I'm just going sit back and wait, I've got nothing to lose
IVA COMPLETED ON THE 17th MARCH, FINAL I&E COMPLETED 26th APRIL, COMPLETION CERTIFICATE ARRIVED 2nd AUGUST
Yes I'm still waiting the disclaimer.
The calls from the Glasgow number still keep coming on both my home number and my mobile.
GT are the only company I have ever given my mobile number to and I hope this does not get passed onto other parties.
For the time being I haven't got the energy to answer them so they go ignored.
Final payment made Dec 2011.
Certificate of Completion arrived 26th Sept 2012
The FSA suggest it's not a good idea for insolvents to use claims companies as they suggest that the creditor who you made the claim against may come to you for a reclaim of claims fee at a later date!
If you signed it under duress write and tell them so, or you signed it becuase they misrepresented themselves, either may get you off the hook with them
