Im un happy I cant speak to my IP even if I request this and explain why. I was never told who my IP was until after the IVA was agreed. I never knew I wouldnt be able to speak to them. I was under the impression I would be able to build a relationship with them over the term of the IVA and have faith they were on our side. I have no evidence of this so far and feel they are actually on the creditors side, already being threatened with bankcrupcy now on 2 occasions.
Before the IVA was set up I said I wasnt prepared to give up our pensions and if I had too we wouldnt do it. After the IVA meeting with the creditors, some 3 months down the line, getting to crunch point with our creditors and in effect our backs against the wall they came back to us and said yes the IVA would be agreed but it would have to be over 6 years and we would have to give up our pensions to increase the monthly payment to £737. The alternative was explained as bankrupcy. We didnt want that so had to agree.
We sent in our direct debit form to start 1st Feb and it wasnt started we heard nothing from them and assumed it was going to begin 1st March. We got a letter mid month demanding the money and we didnt have it, we took it a breather in preparation for the IVA starting, we paid off some family and bought tyres for our car to give us a head start. I sought kind advice off here about the missed payment and what to do. So I rang them and explained and requested for start date to be 1st march and additonal payment to be added on the end, the customer service rep said it should be ok (not documented on computer & no record of call convieniently). Then got demand/default letter for missed payment. Rang up again and explained what had happened girl was very helpful said she would sort it, she would get back to let me know outcome. No news so i assumed ok. Then another default letter approx month later.Rang up again, convieniently record of previous call there but content not accurately documented on computer. I then wrote to my IP in April/May I am still waiting a reply. What was suggested as should be no problem to arrange on here seems to be a big deal to them, its as if ive commited a crime, lol. I wrote in April/May and am still waiting a reply. Rang yesterday to be apologised to and they would try and sort it now for me.
Also, my fixed term mortgage has come to an end, which they were sent all the paerwork for. When i approached they advised to try my current lender and then other high street branches. They advised to try for an interest only and not to cover it with an insurance or ISA again as there would not be enough money to cover this. I tried to rearrange and failded, no one would touch me being in an IVA. When I rang back and told them I got a sarcastic comment about the fact that you cant apply for a mortgage by phone to which i explained you could and i did and said i would get something in writing if she wanted. She came back and said we would have to send out a variation pack and again was threatened with bankrupcy if the creditors didnt agree.
The hassle of having to supply all my info again for one single change and have to go through this stress agiain as well as be faced with the potential of bankrupcy is too much. I can see a variation meeting so soon in the IVA is negative and my IVA might fail. They should have discussed this at my intial meeting and I feel they havent done there job properly and I am going to pay the price here. I have emailed my IP direct, again thanks to kind advice on here of how to get there details and no reply as yet.
