Failing an IVA - DMP instead?

[Andrew Graveson]

Hi Charlotten,

Glad to hear that Simon has been of assistance. Let us know if we can help in any way.

[charlotten]

No I haven't heard from my ex-employer since this morning.

He sent me an email saying that unless I show up for work (which is 10 miles away) then I had better not coming back ever. This was at 9.08am.! I haven't since.

I have also heard from my IP today. He says that he WILL NOT petition for bankruptcy if we fail our IVA. Phew!
He will email me back tomorrow with a more in depth comment but he needs to peruse my email in detail first.

I shall update you tomorrow.

[Moneystinks]

Charlotte

Really sorry that you are having a pants time. I echo everything everyone has said including youself. Your family are the important thing not the debt.

Good luck and lets hope he peruses you e mail and realises what a bunch of unhelpful ******** they have been.

XX

[charlotten]

Hi Andrew

I only 'spoke' to Simon via email but he seems so nice.
First impressions count and he seems delightful!

I will call tomorrow as I am now in a position to start movement on the DMP.

Thanks

[Andrew Graveson]

Well I can confirm he is a really nice guy but I could be accused of being a bit biased!

We'll look forward to hearing from you.

[charlotten]

So here is what our IP said in his email -

Dear Charlotte,

I have just had a brief look at your case and we do not have to petition for your bankruptcy in the event of failure.

I will provide a fuller response to your email tomorrow when I have reviewed all the details,

Regards


Does this sound positive?
I think so.

Hopefully we can get this resolved. Fingers crossed. In the meantime I job hunting and Bristol is awash with jobs at the moment so I am sending out my CV!!

[Moneystinks]

Good luck

Thats the way get back out there. I'm not sure your company can just sack you the way they have though???

Good luck anyway.

X

[charlotten]

Unfortunately I have only just started. I was subject to 6 months probation and I have only been there a month.
He sent me another email saying that other staff members managed to get into work and I know for a fact that these people (the office is small) live about 10 minutes walk away or about 1/2 a mile from the City Centre whereas I live 10 miles away. I have few friends and family and they were all affected by the strike. I asked him if he expected me to fly to work!!

I'll find something else. Bristol is heaving with jobs at the moment. I shall keep you updated.

[angela18]

hope you find something soon charlotte.. how dare they!! they don't deserve you!!

[jim_h]

dfd a waste of time i have set up dmp still waiting for them to reply to my letters and phone call ref my breach 9 months ago giving up now still showing on iva register i am renting now

[charlotten]

Oh tell me about it. I have not heard from my IP again and he said he would contact me tomorrow (ie today) and still nothing.
I was telling my sister that I wondered if he changed his mind and I can expect a nasty letter in the post tomorrow but she said I am being paranoid and we are not the only client he has!
She's probably right.

Well I am still job hunting. My husband knows and he is not happy but he knows it's not my fault.

I truly despise DFD. They are a horrible company. Horrible.

[bev.nn]

My god you poor thing. On top of everything else, you so don't need this right now. Can't comment on your place of work's policy, but don't they have proper procedures/policy's in place for dealing with dismissal? Not sure its legal in employment law for them to have done what theyv'e done - and via email! Am sure there are rules by law that any employer has to follow before they can just ''fire'' you. Who did he think he was? Alan Sugar?

[Wheezle]

What is a DMP?[?]

[kallis3]

Hi Wheezle and welcome to the Forum.

A DMP is a Debt Management programme where you negotiate with your creditors to pay off your debts at a manageable rate. You will pay all of the money back but over a much longer period of time. They don't always freeze interest and charges either when you do that.

[Andrew Graveson]

Not necessarily over a longer period of time.

In more and more cases creditors are requiring that a DMP be trialled rather than an IVA where the debt could be repaid in less, the same, or a little more time than the usual IVA period.

As always it comes down to individual circumstances which is why the right advice in the first place is vital.