HELP PLEASE!!!!!

[dee.g]

oh i will dont worry about that had couple of missed calls but phone on divert so dont know who it is i feel like a weight has been lifted already looking forward to gettin this sorted properly x

[kallis3]

I'm glad you're feeling more positive dee.[:)]

[dee.g]

this forum is great it has really helps x

[dee.g]

skippy sorry yes rotties are gorgeous sorry xxx

[Julie]

Glad you're feeling more positive Dee - make sure you get advice from Melanie's office or another IP before your meeting.

[dee.g]

you mean the meeting with the new iva people?x

[Julie]

Sorry Dee, I may be confused. I thought you have your creditors meeting on Friday? If so you need to make sure you're happy with the IVA company before this meeting goes through.

[dee.g]

oh im cancelling with them im not happy at all i have emailed them but they havent responded no calls nothing im sure there are better companies to go with x

[dee.g]

Dee,



I have read the below email and would say that you actually hung up on me. I was still on the line when I heard you speak to your friend and then your phone cut off so I thought you ended the call or possibly you lost your signal but I never put the phone down on a client. Our calls are recorded and can prove as such.



I am sorry if you feel I did not speak to you in an inappropriate manner but you have let us down on payment each week since 27/7/08 which is when your standing order was due to be paid. Each week since then there has been a different reason as to why you can not pay. As you are fully aware our terms of business are that a payment is due to us within 30 days of receiving a case. We have had your case since early June, to pay in September is simply unacceptable. Your creditors expect that if you have not been paying them that you have been paying into your IVA and the paperwork we send creditors gives them details of any payments made by clients. They do not view cases kindly were clients have not been paying them or us and may reject them on that basis. Please do not forget an IVA has to be agreed by creditors.



If you are able to pay by Thursday or Friday this week as you promised yesterday we will still hold your creditor meeting next week. If you will not be paying then I wish you luck in the future and will send back your paperwork accordingly.



Regards



Claire

Credit Control Manager

0161

HEY HERES THE REPLY XX

[Julie]

I think we need an expert here - if you're not in an IVA yet,surely the creditors will not care if you've been paying this company as these payments will not be taken off your overall IVA debt.

As for who put the phone down, you could request the taped call and see what happens or just forget it and go to another company for advice.

Whatever you decide to do Dee, I wouldn't pay this particular company any more money.

[dee.g]

i will get the call istenend to i replied


claire i didnt lose signal and i certainly wouldnt hang up on you thats rude and i have never been rude to you.I jsut feel like you are rude to me and you talk to me as if i owe you the money i understand the below email and that i made promises to you but i dont let my partner speak to me the way you did so why should i let you.You made me feel like rubbish on the ohone i understand you have a business and deadlines but theres no need for it.I worry about YOU calling not creditors i can deal with them as im not made to feel like im a child
not happy
thanks

[Adam Davies]

Hi Dee
If you jump ship now it may take several weeks to propose a fresh IVA.
Would it be better to ask for a different case manager and then make the first payment ?
Regards

[dee.g]

i have tried to deal with somebody different but she is the credit control manger she deals with that side of things.Im just really not happy with them.

[Adam Davies]

Hi
Take advice from another couple of providers and see what they can offer.It is a five year relationship and you need good communication from the start.
It may be best to move before you commit
Regards

[dee.g]

i think it would be the right thing to do Andy which companies have a good reputation though?