Hi Tinks...Just to say that I know exactly how you feel and have to agree with all the points that you have just made on your post.
Irrespective of whatever is posted on here, within reason, that is what forums are for?
I joined this forum some time ago and I did get the advice off here to contact GT using the 'IVA Forum' in the heading for emails and it did speed things up.(So thank you everyone...oh, and GT was not our choice either!).
We still haven't received our Completion Certificate but things do seem to be moving. Please keep on at them.
Apart from that, it seems to me that getting more involved with reading post after post trying to find an answer and still having to wait and wait adds to the stress...so on that note I for one, have decided to leave for a while.
Good Luck and Take Care.
Skippy - you may find my post harsh, but to be honest I find some of Melanie's posts patronising & condescending at times. I don't know her, so maybe shouldn't comment, but that's the impression I get from some of her posts. I appreciate she has helped a large number of people on here, but she also has to appreciate that a lot of people are frustrated & annoyed, so to keep telling us the same thing time & again ("it's a choice". "My company close within 2 months"), Nd to say that our chosen topics should be banned, starts to grate somewhat. But that's just my view. I'll stop posting on here seeing as tho GT & PPI posts are getting on people's nerves, and I'll leave you all to post on your chosen subjects in peace. Thanks for any advice I've been given this past week or so.
Heres my thoughts...
Theres clearly time needed to complete cases after final payments..I think approx 3 months is reasonable and I feel awful for those who have taken over 12 months becauae after the 6 years we want our records to be wiped clean. But no matter what this forum has taught me that of you make youraelf visable and contact your company after that final payment its better than doing nothing
..we can but ask and every company has staff whobare stretched. ..saying that by jan 14 I may npt be feeling as optimisatic if still waiting.....lol
Many people will be frustrated with the long delays in closing their IVAs, rightly so, and we must take this into account, however we must also keep to the forum ethos "respect for all" this applies to fellow forum members and the professionals who give their time freely.
Rest assured this forum is open and will not censor any postings.
Melanie does a sterling job defending some areas of the industry but from where I am sitting the vast majority of the larger players have handled this PPI fiasco very badly and should come on here and defend themselves. Certain companies have contacted me from time to time moaning about certain comments/postings but as this is an open public forum, and they choose not to participate, then they must accept any comments made.
Tinks does make a very good point, if some companies can close cases in 2 months why does it take some, including Grant Thornton, over a year and occasionally even longer ?
"to be honest I find some of Melanie's posts patronising & condescending at times"
To be frank - I am completely gobsmacked to read this! I cannot do anything about the frustrations you all have with your own firms - but perhaps it is best I make no further comments, and I will certainly refrain from giving advice to anyone already in an IVA with another firm, as I would not want to be viewed by anyone as "patronising and condescending", when I give freely of my own time to being a member of this forum.
I said I wouldn't post any more, but feel the need to make one point clear. No where have I EVER said that I don't respect anyone on here, be it a regular poster or a professional, and to be accused of that I find quite insulting, (and maybe the respect for all should be taken into account when I read that certain topics should be banned). I was merely stating my impressions of things based on various posts I have read recently. I just wish someone from GT and any other "silent" company would reply on here to stop all the frustration & anxiety the situation as it stands is causing. I know it isn't all the fault of said companies, but what IS their fault is lack of communication, and I feel it is this that is the base of most people's frustrations. And to know that some companies do communicate & do a great job (Melanie's being one of them) just stirs up ill feelings between us the clients & our (chosen or not) companies.
I totally empathise and understand your frustration. I also understand Skippy's point of view in not posting so much due to the PPI fiasco and it is hard to know what to say to someone, it's appearing to be every other posting now.
Whilst the poster is genuine and possibly came across the forum and is asking purely for some guidance to the it's important, important we're here to offer advice and guidance as much as we can.
tinks raises a valid point in saying if Melanies company and a few others can do it, why can't they all? But we never get this answer because they don't post a reply to their own clients.
Things get heated now and then, nobody need leave or stop posting, I just think this whole situation is coming to a head with people waiting not months but years for their certificates and I know for a fact if it were me I'd be looking at what I could do legally to hurry this up.
Let's hope this fiasco is coming to an end and all certificates received very shortly.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
I have to admit that i do feel sorry for Tinks81 and his situation but Melanie is quite right in the fact that she is taking all the FLAK for people that are in IVA's that ARE not her responsibity.
Melanie does a Fantastic Job on this Forum posting and advising people that are in IVA's and is only here to post based on those issues.
People that are in this IVA Completion Certificate Nightmare with GT or DFD is not Melanies problem as all she can do is advise but this Forum is actually meant for people with IVA questions and not PPI Questions which i think should be a Totally separate issue.
It seems to me everyone is shouting at Melanie who is right in what she says but so is Tinks81 regards his CC Nightmare regarding PPI but he is directing his frustration at the wrong IP and needs to speak to whatever firm he is with and let them get all his frustration.
Only GT or DFD can answer his questions not Melanies!!!!!!!
I am NOT ranting at Melanie!!!!!! I am, yet again, merely saying that a couple of her posts recently (NOT PPI ones either) have come across as patronising IN MY OPINION. If Melanie or anyone choose to think that my posts are aimed at her, there is nothing I can do about that but I can assure they aren't. I didn't post a question to her directly did I? They are a rant at the situation in general. And I am fed up of being told to contact GT direct - if you look back on various posts on the forum you will see that I have e-mailed & rung on several occasions with no reply. THIS is what my frustration is! My blood pressure will be through the roof soon!
I`m astonished that Melanie could be described as patronising and condescending.
I realise that the whole PPI/closure fiasco is causing a lot of heartache for a lot of people but how any criticism at all can be directed at Melanie, just for giving her take on things is beyond me.
Melanie has helped countless numbers of people in anxious situations, many not even her clients with FREE advice.
People get upset I know, but to have a pop at Melanie,
I`m staggered.
"When the seagulls follow the trawler, it is because they think sardines will be thrown into the sea".
I give in. Hope you all get what you want out of life - but to do so you have to read & listen carefully. We all have our opinions & are entitled to them - we don't all have to agree or belong to one clique. In the words of Duncan Bannatyne - I'm ooot.
To be honest we have done GT and PPI to death !! Many of us have exactly the same problems and all of us have the same concerns. However, we have voiced these on the forum until blue in the face, but the true targets of our frustrations, who, I am sure, read these comments, decide to remain silent.
I feel what we are doing is feeding our own frustrations, rather than soothing them.
There does come a time when the relief we seek comes about from stopping hitting our heads against a brick wall rather then trying to knock it down!
BTW -- that does NOT mean we should all fall silent, but we should be directing our energies, and complaints, to the companies involved and to their regulators and / or Ms Swinson MP.
Last edited by Foggy on Wed Aug 14, 2013 6:05 pm, edited 1 time in total.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
