for melaine

[duff]

hi i am new to the forum i have been sitting on the side line for a few mths. I started my iva a year ago with a firm called iva solutions stockport where everything went fine no trouble and vaey helpful.Whan i recived a letter in may telling me they had gone bust and i was being taken over with anouther firm one i was not too bothered about could i change to anouther one or would it have to go back to court

[MelanieGiles]

Hi Duff

It sounds as if your IVA has already been transferred to a new IP - I think that IVA solutions were bought by one of the larger firms - Debt Free Direct perhaps - so a new IP will have been appointed.

Although this may seem strange to you, it is almost impossible for you as the party to the IVA to seek to change to an alternative IP. You would need to either get a resolution of creditors (very unlikely that your IP would agree to this) or revert to Court at your own cost and then you would need to show very good reasons.

Who is your current IP firm, and is there any reason why you are not happy with the service?

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[duff]

hi my new firm is accuma they have been fine up to know but i have heard people say they are not very good my review is due i have not missed a payment and paid 50% of overtime my iva is doing ok we found it hard but have got used to it we have 2 boys and they have been very good they dont ask for anything

[MelanieGiles]

It doesn't matter what other people say - if this firm are doing a good job for YOU that is all that matters!

You sound as if you have two lovely little boys - treasure them and promise yourselves that you will give them a big treat when your IVA is finalised.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[duff]

i have one is 14 and he is 6ft 4 and the other is 16 and he is 6ft 2 he leaves school next year and is hoping to get a job on the local council he was going to college but knows we cant support him so hes doing the next best thing it makes me sad but he juat hugs me and says hes not bothered 4 yrs to go then i will make it up to them thanks for our chat got no one to talk to

[MelanieGiles]

Feel free to chat whenever you want to Duff - that is what this forum is all about and you will find many friends who want to help and support you.

And don't worry about your eldest son. My step son left school at 16 beacuse he hated school, and just wanted to earn some money. At the age of 23 he realised that this was a silly move (he is quite bright!), and decided to go back to school to do his "A" levels which then culminated in him going to university and gaining a 1st class honours degree and a prize!
There will be time aplenty for your boys to catch up at a time when you can afford to help - and there is always nightschool in between

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[Skippy]

I left school at 16 as I knew my parents couldn't support me through college - not that I really wanted to go then anyway! I'm planning on doing an Open University course next year so there's plenty of time for your sons - I'm 33 next year!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[duff]

thanks i hope so i was in the police force for 10 years and i did it without my parents help has my dad was ill for many years well i am going to bed up at 4 in morning long day ahead speak to u again thanks for chat