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I received a letter from Barclaycard advising that my claim for PPI was upheld and they offered me £1257.

 

After querying the interest amount and advising the FOS they then offered another £865.

They wrote to me saying they had sent payment to Barclaycard as their records show I was in an IVA which they were advised had finished in July 2015.

 

Grant Thornton ( now Aperture) have said that a variation in my IVA means they can collect the PPI money.

 

I know there is a court case relating to this to be heard on appeal this week but any advice would help.

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if the forthcoming appeal case this week will decide re yr issue, then maybe wait for that :)

maybe it wont be retrospective though if it is decided that they can collect.


IMO

:-):rant:

 

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thanks for the reply Ford The BCard account wasn't part of the IVA so does this matter?

not sure. maybe, as iva's may need to know about any change of credit circs. but, yours has finished. what do the terms of your iva say about it.

will that case address that issue.

has the fos said anything about it.

there is also that issue about offsetting.


IMO

:-):rant:

 

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The FOS say they don't get involved with IVAs

although they said unofficially to wait until the appeal is done.

 

 

Aperture keep saying that the IVA states they can still collect PPI payments

but I cannot find where it says that they can do this once it has been done.

 

 

if its a matter of it being classed as a financial windfall then what's stopping them collect any other non PPI windfall

. see reply from Aperture

 

 

Unfortunately your understanding is not correct,

your case went through a Mass Variation Meeting (MVM) on 14th August, 2013.

The purpose of the MVM was to allow us to gain consent from your creditors to allow us to close your case while the PPI continues in the background, therefore the closure of your case does not supersede the MVM.

 

 

For your convenience I have attached a copy of your Closure Report which you will see specifically states that your supervisor will continue with the PPI investigations post closure. ( IT DOES NOT MENTION PPI)

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its an asset that existed from before your IVA

so sadly you'll lose it.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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