Hello,
I have a bit of a dilemma and hope somebody, other than my IVA company, will be able to offer some advise.
I have been in an IVA agreement for just over a year with a company called debt MATTERS. In their original proposal, they quoted that my monthly repayment would be £145 for the term of the agreement, which suited me down to the ground and was an affordable amount to repay. They even set up a direct debit for the amount of £145 for me so I proceeded.
A few months later, I recieve a letter from them saying I'm in default and that I haven't been making the proposed repayments of £245! I of course disputed this only to be told there was a "typing error" in my proposal and that I'd have to catch up on the payments. I essentially told them where to go as they had given me, in writing, a proposal of £145 and had set up my direct debit for this amount. This was done over the phone and followed up with a letter. Then I heard nothing.
A few months later, I get another letter, stating the same thing. I'm in default and should be paying £245. Again, I disputed this, giving the same reasons as before and express my dismay that they have agreed a price and are now hounding me for more money. Much like a creditor actually. I sent evidence of the letter sent to me to prove what they had sent to me.
There was a yearly review done recently, again constantly mentioning the arrears. And then this morning a letter arrived stating that I have breached my terms of agreement & a "notice of breach" will be issued in the near future and that the IVA will continue on it's original terms.
Now, my question is this. Who the f*ck do I complain to?! The FSA don't deal with individual complaints so I don't really know where to go. The company don't seem to pay any attention and refuse to accept responsibility for thier error in the "typing error" mentioned earlier. I am not in default and have kept to the agreed payments of £145 as agreed, in writing, and have never missed a payment.
I'm so pissed off with the company, I feel like stopping the direct debit and just not bothering. Maybe bank ruptantcy would of been better since I have no assets to sell/be claimed from.
