I completed my IVA in Jan 2013 - hooray!! And nearly 4 years on everything is just fine ... EXCEPT the PPI business still keeps dragging on. I have regular email exchanges with the IVAPPI folk at GT about the progress (not) of getting the statutory interest back. Only this month the response came back from some new outfit called Aperture. And their response was less helpful than before. Anyone know what is going on?
And to those still working their way through the IVA - good luck and stay positive - there is light at the end of the tunnel.
Aperture have taken over GT. If it were me I would be contacting them weekly now to get a resolution and this ended once and for all ..its not fair on you.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
New name, same people, a couple of their IP's apparently have had fines - a recipe for disaster.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by luluj
Aperture have taken over GT. If it were me I would be contacting them weekly now to get a resolution and this ended once and for all ..its not fair on you.
Or daily if you really want to annoy them enough to get on with things
I am also with gt and I have been told I will get statutory interest back from them they had only one more ppi to investigate that went to ombudsman to investigate it the guy from the eic told me today, it could take 3 years to investigate it he said its up to you can close it, it's not up to gt he said so I told him to close it I don't want to be waiting 3 years for this to be sorted so he has emailed grant thornton to say they have closed my ppi investigations now I wait for grant Thornton to get back to me.
Last payment made August 2012 Certificate of Completion recieved 15th of Novenber 2013.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
I think anyone who has completed an IVA some years ago should have their IVA concluded, be issued with a completion certificate and any outstanding PPI claims dealt with after this
It is about time that there was a statutory limit to the amount of time a completion certificate can be withheld once someone has completed all requested payments into their IVA
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
My IVA finished beginning of August and, when I queried with Stepchange how long the CC would take, they told me they put a 3 month limit on it, so it could take up to 3 months but they try and get it done sooner.
If Stepchange can do it I cannot see why other cannot, maybe put a statutory limit of 6 months on it.
I suppose one thing with Stepchange is they do not chase every penny of PPI before closing. Maybe because they get help from the Banks and know that the PPI will just come from a Bank and be shared back out to other Banks in most cases.
Whereas the companies causing the problems and delays seem to be trying to find as many pennies as they can so large chunks of it can be shared out to them in fees and to their "partner" companies under the ownership of themselves, relations or friends in the same building.
I sincerely hope that anyone having to contemplate an IVA in the future has a look on here first and sticks with the smaller companies with staff on here or even Stepchange like myself (if you don't need to discuss things direct with an IP and your IVA is pretty standard).
