IVA Practitioner has submitted a PPI claim without my knowledge, can they do this?
Big_G17
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Hi, I'm new to this forum, but thought I would see if anyone else has experienced what I have just experienced:
I was subject to an IVA that came to an end back in September 2011, Grant Thornton at the time were the IVA Practitioners. I received a certificate of due completion stating that the IVA had finished after we made a full and final offer after the IVA ran for 5 years. I think in the end the creditors received 32p in the £. Today I received a letter from Barclaycard saying that my complaint has been upheld, and they have agreed that I was mis-sold PPI and they will provide a refund of £7,500. This made me smile, as I was not expecting anything. However, as I continued to read the letter they stated that their records show that I was subject to an IVA and a cheque would be payable to Aperture Debt Solutions LLP.
Now, I have never heard of this company, but when I googled them, it appears Grant Thornton were or are now linked to this firm. Now I have 2 questions.
1) I never submitted a case for miss selling of PPI, partly due to the fact that I know some of the money I owed was written off, and it didn't feel right that I should claim for something that was ultimately written off. Can they submit a claim for miss selling without my knowledge?
2) Should the cheque be going to my IVA practitioner. ( I say my IVA Practitioner but Aperture were never my IVA practitioners)? After all I completed the IVA almost 10 years ago now, and have a letter stating that their duties are complete and that the arrangements have been fully implemented.
Its not a small amount of money, and I feel that this cheque would just go into the coffers of Aperture who I have never appointed or asked to reclaim PPI on my behalf. It would be nice to have this paid to me instead. Where do I stand? anyone else had anything similar happen to them?
Thanks
I was subject to an IVA that came to an end back in September 2011, Grant Thornton at the time were the IVA Practitioners. I received a certificate of due completion stating that the IVA had finished after we made a full and final offer after the IVA ran for 5 years. I think in the end the creditors received 32p in the £. Today I received a letter from Barclaycard saying that my complaint has been upheld, and they have agreed that I was mis-sold PPI and they will provide a refund of £7,500. This made me smile, as I was not expecting anything. However, as I continued to read the letter they stated that their records show that I was subject to an IVA and a cheque would be payable to Aperture Debt Solutions LLP.
Now, I have never heard of this company, but when I googled them, it appears Grant Thornton were or are now linked to this firm. Now I have 2 questions.
1) I never submitted a case for miss selling of PPI, partly due to the fact that I know some of the money I owed was written off, and it didn't feel right that I should claim for something that was ultimately written off. Can they submit a claim for miss selling without my knowledge?
2) Should the cheque be going to my IVA practitioner. ( I say my IVA Practitioner but Aperture were never my IVA practitioners)? After all I completed the IVA almost 10 years ago now, and have a letter stating that their duties are complete and that the arrangements have been fully implemented.
Its not a small amount of money, and I feel that this cheque would just go into the coffers of Aperture who I have never appointed or asked to reclaim PPI on my behalf. It would be nice to have this paid to me instead. Where do I stand? anyone else had anything similar happen to them?
Thanks
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So not a full settlement then.
Today I received a letter from Barclaycard saying that my complaint has been upheld, and they have agreed that I was mis-sold PPI and they will provide a refund of £7,500. This made me smile, as I was not expecting anything. However, as I continued to read the letter they stated that their records show that I was subject to an IVA and a cheque would be payable to Aperture Debt Solutions LLP.
That is normal. You are not entitled to any redress unless the amount exceeds the balance that was written off at the time of the IVA.
1) I never submitted a case for miss selling of PPI, partly due to the fact that I know some of the money I owed was written off, and it didn't feel right that I should claim for something that was ultimately written off. Can they submit a claim for miss selling without my knowledge?
Yes they can and its routine for them to to so.
2) Should the cheque be going to my IVA practitioner. ( I say my IVA Practitioner but Aperture were never my IVA practitioners)? After all I completed the IVA almost 10 years ago now, and have a letter stating that their duties are complete and that the arrangements have been fully implemented.
Yes it should as it will be dispersed to creditors who lost money when you failed to repay them.
It would be nice to have this paid to me instead.
I am sure the creditors who you failed to repay would have thought it nice if you had repaid them what you owed too.
Where do I stand?
You have no entitlement to any of the money unless the amount exceeds what was owed.