getting to the bottom of my mum's debt problems

[aib]

Thanks for the responses.
Presumably these are a reputable firm of IP's ? I guess one of the problems lies in that they, and other companies, do their role to the bare minimum using junior staff and proforma templates and its only when the technical experts get involved, usually when things have gone too far down the road, that the matter is unravelled completely.

Are you able to recommend a local legal adviser with knowledge in this field please.

[Soulgrowth]

Hi aib ... this is certainly one of the problems that I found. I was in a successful IVA but it was complicated by a debt that arose as a result of a past business involvement that was unforseen. Dealing with the lower echelons of the IP firm (however lovely and kind they were)made the whole thing even more complicated. When I at last got to talk to my IP some six months down the line when the IVA had by that time failed and I had only been able to escape bankruptcy by the skin of my teeth and the help of some excellent dynamic and innovative bods at(it might well be worth giving them a call) and a prod from Melanie to my IP firm my IP was fantastic and hit the nail on the head of a solution immediately.

This only goes to strengthen my view that IPs (present company excepted in the lovely Melanie of course)live in an ivory tower world and don't actually like mixing with the likes of us poor minions. Which is unfortunate when you consider that they are earning their fees through us [:(]

Debbie

www.familyceremonies.co.uk

www.soulgrowth.co.uk

[MelanieGiles]

The IP should direct the administration of all of their cases, and whilst various levels of their staff will become involved in various parts of the processess, we should all take full responsibility for our clients and make ourselves available should clients wish to speak to us.

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

[Adam Davies]

Hi Debbie
I have removed the link regarding bankruptcy as I am not happy with some of their claims
e.g ". Actually even if they were to take your car because of a bankruptcy order they are duty bound to replace it with another vehicle capable of doing the same job. Try asking for that from an IVA factory!"
As we know this is not the case
I hope you understand and do acknowledge that you have been happy with their service
Regards


Andy Davie
IVA.co.uk Spokesperson and Website Manager

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[Soulgrowth]

Was that on the right or the wrong link I posted Andy?!!

The said company have been nothing but professional, totally helpful and completely supportive throughout, they contact ME on a regular basis to see how things are going even though the 'case' has now been passed back to my original IP ... which is much more than I can say of my very large and well respected IVA company!! But I can understand if their aims do not fit with the ethos of this Forum Andy.

I just so wish that all IVA companies had the same moral ethos as Melanie does ... but it concerns me that, from personal experience and from the postings we hear on the Forum here, many IPs, where IVAs are concerned, simply sit in their ivory towers [:(]

Debbie



www.familyceremonies.co.uk

www.soulgrowth.co.uk

[Adam Davies]

Hi
There is a long way to go with many companies with regard to "customer service"
I have been in retail most of my working life and this was drummed into you.
I think that companies that do not put this high up on their agenda will fall by the wayside as the consmer becomes better informed of the debt solutions available to them.
We need to educate people into taking time to choose an IVA provider and,long term,a change in the law allowing people to move IPs would almost certainly improve the service levels.

Regards

Andy Davie
IVA.co.uk Spokesperson and Website Manager

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[Soulgrowth]

I completely agree about the need for education Andy ... which is what this Forum is so good at.

As as well as the customer service aspect of things we also need to remember that there is a lot of vulnerability concerned when people are at the stage in their lives when they are considering an IVA route ... and there is a tendenecy to 'clutch at straws'.

Debbie

www.familyceremonies.co.uk

www.soulgrowth.co.uk

[aib]

Update to situation here, IP has presented report to creditors and outcome from creditors meeting is a failing of the iva meaning that the creditors can now pursue my mum individually. A couple of creditors have written recently, one serving a default notice.

Any suggestions on how to proceed here? My thought is to send a letter to each creditor detailing the situation appending the IP's last letter that stated there are no assets and no payment plan options.

[MelanieGiles]

I would suggest you give Paul at Reviva a call - he is bound to be around on the forum later on, and he specialises in sorting out financial issues without the need to revert to formal proceedings, and can also help with an application for bankrtupcy if this becomes necessary.