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Posted: Tue Jul 28, 2015 10:05 pm
by Marie.p
My husband and I finished our iva on the 31st March 2015 after 6 years. We received a copy of the final papers sent to our creditors confirming we have complied. But DFD are still chasing us to sign the variation in terms form. We have taken both financial and legal advice and do not want to sign. We do have the right. It's all to do with PPI which we have never ever had. My daughter has serious health issues and I need to reduce my hours and go part time. I have applied for two jobs but have been refused both positions as my IVA is still showing as current and both offers have been withdrawn. My daughter needs me to help with her childcare and DFD are stopping me
Posted: Wed Jul 29, 2015 5:31 am
by Adam Davies
Hi and welcome
Is your IVA still showing on the online insolvency register ?
Did you actually receive your completion certificate ?
Regards
Posted: Wed Jul 29, 2015 6:17 am
by lifenoteasy
On the one hand I totally agree with you about PPI - on the other it is a contentious area for IP's and I have a slither of sympathy for them (but only a slither because much of this is of their own making).
I would say sign and let them waste their time and money.
Your major problem based on other recent posts is the length of time that they are taking to issue CC's and if this is impacting on work then that is morfe important.
The main message that DFD are giving out is that when it came to closure they really did not plan for people ever leaving.
Posted: Wed Jul 29, 2015 1:10 pm
by Evette Everest
Dear Marie.p,
Please contact me directly via the email address in my profile. This will allow me to discuss your issue in further depth.
Regards
Posted: Wed Jul 29, 2015 3:53 pm
by Shining
Hi and welcome to the forum. I hope you get in contact with Evette and she is able to help you.
Posted: Wed Jul 29, 2015 3:57 pm
by kallis3
Good luck - hope she gets back to you.
Posted: Wed Jul 29, 2015 5:21 pm
by Adam Davies
Hi
On the subject of PPI we have has some posters who have been sure that they never had PPI only to find out that they have and have been refunded thousands, hence the need for the IP to explore this avenue.
My view is that the PPI claims should go ahead but not at the expense of delaying a persons completion certificate
Regards
Posted: Wed Jul 29, 2015 5:24 pm
by Foggy
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Andy Davie
Hi
On the subject of PPI we have has some posters who have been sure that they never had PPI only to find out that they have and have been refunded thousands, hence the need for the IP to explore this avenue.
My view is that the PPI claims should go ahead but not at the expense of delaying a persons completion certificate
Regards
I am one of those posters -- they found over £8,000 "hidden" in a rolled over balance (actually rolled over twice ). In the current loan paperwork there was no mention of PPI, as the premium had just been rolled into the settlement figure for the last loan.
Posted: Wed Jul 29, 2015 10:54 pm
by luluj
Frustrating as it is I would let them investigate for ppi and this in turn will hopefully release your certificate of completion etc.