Bobrini thanks to the insolvency register your financial situation is already in the public domain!! I think the best you can hope for is for someone high up in DFD writing you a letter telling you that they have reviewed some of their processes and to re-assure you that this wont happen again.
As for the other party you should not contact them,rather return the paperwork you received and make sure DFD ask the other party to return your documents(if they indeed have them,which is fair to assume).
The chances of the other party having told anybody is slim to say the least as insolvency is rarely something you like to tell everybody about!!!
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
Totally agree with Plasticdaft - what's done is done and time to move on - we are all human and errors happen even at the top - no one is perfect and they have apologised - can't see you getting anything else other than a "sorry letter" so cut your losses and move on - put your efforts into something else which you may benefit from !
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Totally agree with Paul and Melanie. Time to move on I think.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Sorry to read Kah1019 that you had what sounds like a dreadful experience with your IVA but to clarify, IVA companies do not trap customers. As it is a legally binding agreement, you're right, it is not easy to just stop and start elsewhere. However, if the service given was so poor and a satisfactory resolution not achieved with the IP then that would be reasonable grounds for refusing to continue with the IVA with that company and requesting the services of another IP to propose the IVA.
I cannot speak for DFD and I am not sure when your IVA was but I hope that the review and changes that have made recently will have addressed the problems you unfortunately encountered.
Regards,
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Sorry to hear about your problems with DFD - I hope Declan, who works for them and posts on here, can pick up on it.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I have emailed Declan and alerted him to this Kah - hopefully he will get in touch tomorrow.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
It is certainly a shame when cases like this serve to tarnish the good reputation of hard working IPs and their staff. I am sure that if the IP at DFD were aware of this they would want to put things right - and now you have involved their regulator they will have to. Perhaps Declan can try and intervene in everyone's best interests?
Hi Kah
I’m am certainly very keen to investigate this issue as matter of upmost urgency and priority.
As you can appreciate, without knowing the full facts of this, I cannot really comment but please do forward me your details and I will ensure this gets treated urgently.
I was DFD and they were great to deal with, really professional and I never had any problems.
Mistakes are made in every office and some of mine have been enormous in comparison to this. I don't see what more Declan could do in this case, DFD have apologised and promised to look at their procedures.
Fortunately this wasnt a life or death situation and the impact of the mistake is likely to be minimal. Hopefully the recipient would post back the report that was received in error. At the end of the day if it was sent to another client of DFD I am sure that they wouldn't go jumping around shouting about it because 1) they are in the same boat as you 2) how would they explain receiving the report.
I have made far worse mistakes in my job and am still employed (thankfully!!) As Mel says what more can they do?
"Just when you think that you can make ends meet, somebody moves the ends."
I couldn't have put that better myself Mattyboy. We all make mistakes - I have made some absolute howlers - but as a solicitor friend of mine told me some time ago, it is not the making of the mistake but he manner in which it is dealt with that is important.
Declan takes his work very seriously, and I can promise the original poster that he will deal with the complaint probably far better than any regulatory body will be able to. Do bear with them at this difficult time.
I echo your concerns with DFD, I too have some issues with them, same history with you (Clearstart)
I contacted them 2 months ago to challenge the fees which I enquired in a previous post, fees were reduced although they refused to admit they overcharged me. Also the administration is truly shocking and does give the industry a bad reputation, you are definitely not alone.
I also in the process of ending my IVA only to discover another admin mistake affecting my dividend even though I highlighted this sometime ago.
The trouble is and in my opinion, DFD have thousands of clients and probably 4 or 5 IPs, how can they effectively manage IVA's of this quantity with the small amount of qualified IP's? I know there is a guy called Declan who seems very helpful to all that post on this forum, but I think DFD are not fit for purpose to provide or manage IVA's due to the structure they have, not being close enough with clients and lack of an informed support organisation.
It's a shame that complaints on this forum do embarrass some of the experts and do feel let down, but at some point, DFD will be exposed and possibly punished for their failings.
What frustrates me most of all is that I did the honourable thing to enter an IVA instead of going bankrupt to commit paying the creditors back as much I can afford, yet the poor supervision and administration is unnecessary mental abuse to individuals who genuinely what to pay back their debts.
Best of luck Kah and hope you get justice in the end.
I'm also a DFD customer, have been from the start of my IVA, and although I don't want to appear to be uncaring about anyone else's bad experiences, just wanted to add a bit of balance.
Without a doubt, DFD are a very big company and with such a large client base problems may occur, but let's not forget that there are also posters on here from smaller firms who have the same, if not worse, issues with their IPs. DFD shouldn't be painted as 'the bad guys' as they have helped a lot of people with managing and resolving their debts.
My IVA journey has not been without it's issues, with a redundancy halfway through and confusion (on my part) over creditor claims but I have found DFD to be very helpful and competent to deal with any issues that have arisen.
I hope anyone with issues gets them resolved just wanted to add my bit.
kah1019 you clearly have had a bad experience, however I would like to echo the above post and say that I have found them to be great on the whole and particularly helpful when I lost my job and had to take a job earning almost half what i was earning when i started my IVA.
Its fair to say in the early days the odd letter went astray in both directions !! but that of course could have been royal mail.
Comments about the size of the company are of course possibly true, but I can only speak from my experience and I would and have happily recommended DFD to other people
I have 9 payments left and the long haul is almost over.
DFD are not all bad, but just like any other organisation, its possible 2 people can have completely different experiences; again, due to the size of DFD and the number of clients, it goes without saying that mistakes will be made, after all its humans just like us that work for DFD and if only I could say i never make a mistake either at work or in my personal life.
Im not saying you are wrong, but my time witn DFD has almost been trouble free on the way to being debt free !!
good luck with the future
12 months to go
Last payment made April 2012
Certificate received 1st Nov 2012
I would be the 1st person to forgive mistakes and work with those that want to correct matters. I also want to be clear that no individual in DFD is being blamed. However, when you pay a substantial amount of fees, you expect a level of service to justify them. I have over 20 incidents where there has been issues that are unacceptable. It's the processes and administration I have real concerns about, it's makes a massive difference when the IVA is in default when it's not your fault, it's the handling and administration which is at fault!
It's interesting to note that Clearstart clients seem to be having the difficulties, anyway I still stick by with my position on my opinion.
